davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This collection Account has violated my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code 6802 - Obligations with respect to disclosures of personal information b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never informed of my right to opt out of this information being reported to XXXX, Transunion, nor XXXX.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I did not agree, nor do I know of all of these inquires on my credit report I believe these inquiries are fraudulent.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal information.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group (OH)

On XX/XX/XXXX, I received notice that a collection had been added to my credit report by the Revenue Group, attempting to collect a {$170.00} debt to XXXX  XXXX. I had never been billed for this amount by XXXX. 

I immediately called XXXX  XXXX ' billing department, who found there had been an error and said they they had indeed never billed me for that service. The representative said that she would issue me a bill and retract the collection from The Revenue Group. 

Two months later, I have still never received a bill from XXXX  XXXX, and the collections account is still open. It is not right for XXXX to send me to collections for a bill they never sent me. I am happy to pay any debt I actually owe, but I have not seen any proof as to the validity of this claim. 

I filed a dispute through XXXX  on XX/XX/XXXX, and today ( XX/XX/XXXX ) I received notification that they have verified the debt with the debtor. 

In general, XXXX  XXXX make it very difficult for patients to understand what bills they owe. There is no way to view outstanding charges on your account unless you receive a paper bill in the mail or speak with someone on the phone. This process is highly unsatisfactory and penalizes the consumer when XXXX makes mistakes, such as when they fail to actually mail a bill.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Acct paid in full XXXX when first statement ( dated XX/XX/2022 but not rec 'd til end of XXXX ) received. Statement late, payment refused by storefront, I paid as soon as I found a mailing address. Contacted Citibank multiple times. Initial late payment fee reversed, but still being charged for late payments and interest for not paying the reversed late payment. Account should be paid off with the XXXX payment if the late payment is reversed. Instead Citi is reporting delinquent payments and a balance due that has now grown to more than {$74.00}
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (WV)

i have had an account with Venmo for a while and I noticed my ex who has an extensive habitual gambling addiction, had yet again used my Venmo account to fund his online gambling accounts. This had been an issue previously and I reported it to the gambling site/s as well as Venmo, and my money was returned and things were settled quickly. However this time after returning the funds to me i was not able to delete nor add any new bank accounts or cards, I was however able to send {$50.00} to my mother who was able to give me cash. After that they said that I had violated some terms and that my account would be permanently closed and any funds could be held up to 180 days for liability purposes. Meanwhile the investigation was completed and the temporary credits where now permanent and was ruled in my favor, still they refuse to let me transfer my funds and stating I had to wait the full 180 days unless contacted by email and told otherwise. 

This is absurd considering this was a repeating occurrence, XXXX saw in my favor as well as Venmo, I was able to use some of the funds already, and I never violated any agreement! I am fine with my account closure, I just could really use the funds and would like them be released to me.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I checked my credit report and found out this account does not belong to me and I didn't authorize to my account until I called XXXX and they refer me to this website to file my complain, Name : XXXX date : XXXX,. this information is incorrect I found on my credit report from myannualcreditreport.com, XXXX has removed it from my credit profile and I am requesting Equifax to remove and delete it from my account.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong names addresses and lots of inquires These things have been hindering me from obtaining credit and causing great hardship to me There is also incorrect employment information these things make it easy for thiefs to keep applying for things in my name
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX Collecons XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (ND)

bank : American Express issue : deceptive practices by the bank on XXXX XXXX i contacted American Express to ask if it's possible to defer payment for 90 days due to financial difficulties they agreed to not charge financial fees or charge/waive late payment fee for the bill due on XX/XX/XXXX. 

on XX/XX/XXXX the statement shows a credit for interest /financial fees but it also showed a late fee of {$29.00}. 

on XX/XX/XXXX i contacted the bank by phone to try to fix the issue, i had a very difficult time dealing with their customer support representatives, one told me i have to pay the late fees and made up some numbers. another told me the late fee waiver was applied after the bill was issued on XX/XX/XXXX even though i contacted the bank on XX/XX/XXXX a month before the bill was issues, and after hours of waiting and jumping from one rep to another i was told that as a courtesy we will waive the late fee!!, a courtesy?? they made it like i was a bothersome even though they promised they would waive the fees and that's well documented in the chat transcripts. 

i think that is very deceptive, have i not contacted them they would have kept the fee, raised my APR and reported account as late to the credit bureaus. I wonder how many customer trusted Amex and ended up ruining their credit history. 


i have accounts with different banks and let me share my experience with them - XXXX XXXX : 2 account, automated payment deferment for 90 days without even contacting anyone, all done online. no late fees or reporting of late fees. 

XXXX XXXX  XXXX same as XXXX XXXX XXXX 

XXXX : i have XXXX accounts with them. the process was seamless and done online, i got conformation letter send by mail. 

what i got from Amex, a warning letter about the late fee and that any new charges would be declined. 

i agreed for this complaint to be published publicly, my advice to whomever is reading this avoid this bank. they will stab you in the bank in tough times.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NJ)

I wrote Genesis Bankcard Services and asked to a payment history sent and they have different dates than the reporting dates as well as. The open dates and charge off dates are in my credit reports. I asked to have the inaccurate information removed from my all three of my credit reports in XX/XX/2023 and I have yet to get a response.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I contacted Capital One back in the first of XXXX to notify them of financial hardship as well as to explain that one of my bank accounts that primarily paid this monthly payment was compromised but I made a manual payment. When I was reviewing my credit report on XX/XX/2023 I noticed I received a " late '' or default payment mark on my credit report. I contacted the company to see how I could dispute this remark and was transferred and spoke to a representative in the Fraud Account Team by the name of XXXX. XXXX advised that the accounts were actually closed ( I had no knowledge of this because my credit file had this account reflected as open ). I advised that I was not notified of the closure and advised that the accounts were being inaccurately reported as open, this is against the law. XXXX stated a letter was dated XX/XX/XXXX and read me the details. I advised that I did not receive the letter and wanted the late remarks removed and completely deleted from all three credit bureaus due to the false reporting. This company should not have reported a closed account as open for almost XXXX months, they were negligent in not reporting accurately. I received a notification on XX/XX/2023 via credit monitoring that the account has been updated as closed but the damage has already been done.
Consumer complaint received 2022-08-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have request for assistance with XXXX XXXX XXXXXXXX program. My application is completed. State has sent information to SLS on XX/XX/XXXX. On XX/XX/XXXX I was informed response was sent to XXXX XXXX XXXXXXXX program. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX program they confirmed me once again information requesting was send on XX/XX/XXXX. 
I called and tried to spoke SLS they told me it will take end of XXXX to send response. XXXX XXXX XXXXXXXX program can complete my application without response form SLS. My request to speak to supervisor or agent from HAF department was denied because they dont speak to homeowner. Loan is ours and we can talk to them is problematic. 
Default notice was filed to sell the property on XX/XX/XXXX and we getting close to deadline. By the way I have left 2 messages on a single point of contact phone number no one has returned call. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline.
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

XXXX - I originally owned and was financing a XXXX purchased in XXXX XXXX. 
XXXX - moved to XXXX  and traded in my XXXX for a XXXX XXXX XXXX XXXX. Also finance. 
XXXX - moved back to XXXX XXXX and attempted to change my registration to get XXXX  plates. 
From XX/XX/XXXX until now, XX/XX/XXXX, I have made many many phone calls to XXXX trying to resolve the issue and get my title released to change my plates. I keep getting the workaround of waiting a week, 2 weeks, etc., even after speaking to managers. Some people at the company have said they sent the title to my address. Others in the very same day would tell me the title was never printed yet and to give them another week. Just lies and the same workaround. I was also told my title was sent to the XXXXDMV and to ask them about my title. I have been spending excessive amounts of money on tolls just because I cant change my plates to XXXX. I am also at risk if someone decides to stop me and check my registration since I should change my plates to XXXX  within 30 days of moving back. 
This is so infuriating and frustrating and Im tired of getting jerked around. I just want my XXXX title so I can change my plates.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act Equifax has violated my rights. 15 U.S.C 1681 section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions Equifax violated my rights by furnishung XXXX  card {$8500.00} without my written intructions. This is considered as fraud. I am not disputing this account with XXXX. This complaint today is against Equifax for violating my rights and privacy.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Despite several complaints, XXXX  XXXX XXXX continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. XXXX  XXXX XXXX and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.