davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: North American Credit Services (MD)

Recently I accessed my free credit report from XXXX. In the inquiries section, there was an account review inquiry I did not recognize from a company called " XXXX, XXXX '', dated XX/XX/XXXX of this year, with the request originator listed as " XXXX XXXX XXXX '', which is I hospital I have previously accessed and paid my debt in full on XX/XX/XXXX without the account ever being sent to collections, however upon calling them and asking why they accessed my credit report without my permission I was told that not only have they never heard of XXXX but that they do not have the ability to access anybody 's credit information. On XX/XX/XXXX I contacted XXXX directly to ask why they accessed my information without my permission. On XX/XX/XXXX they sent a letter stating the following, which I received shortly after : [ see attached letter for statement ] There is a lie in that statement ; I do not have any existing account with North American Credit Services, which I will proceed to refer to as " NACS '' for brevity. I attempted to call NACS and left a voicemail asking them to explain why they are attempting to access my account but they never called me back. Upon looking into this company, I have come to discover that it is a medical debt collection agency, which further proves that this is fraud as I do not have any collections accounts.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/ I was debited XXXX and XXXX from XXXX XXXX XXXXXXXX XXXX. XXXX XXXX claims to not be able to find the user that received this money even though I am able to find her on my end. And the bank refuses to refund my money claiming that I have prior transactions with this individual, referencing a XXXX credit that they submitted immediately before the debits. This was not on my personal XXXX XXXX account, someone added my debit card to their XXXX XXXX  account and sent the money to the above named individual
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a checking account with Huntington Bank. On XX/XX/XXXX, Huntington assessed two ATM bank fees that I do not recognize and did not authorize including : 1 ) {$7.00} fee to check balance at ATM ; and 2 ) {$31.00} non-Huntington Bank ATM fee. I did not and would not ever have agreed to or authorize ATM fees this big, and I do not recall being asked to approve these fees. Also, on XX/XX/XXXX, I had a lengthy conference call with a Huntington Bank supervisor where I filed disputes for unauthorized, fraudulent transactions. The supervisor agreed to reverse multiple banking fees assessed in the past month. However, the two fees identified above had not posted yet and therefore were not reversed. So, on Friday, XX/XX/XXXX, I called Huntington again to have these two, newly posted unauthorized fees reversed because they fall within the time period of fees the supervisor agreed to reverse during the XX/XX/XXXX phone call. But, a supervisor named XXXX and his immediate superior XXXX refused to honor the prior supervisor 's promises despite how they reviewed the XX/XX/XXXX internal supervisor notes that confirmed same. Significantly, the disputes I filed on XX/XX/XXXX remain pending. As such, Huntington 's refusal to reverse these unauthorized {$7.00} and {$31.00} ATM fees that I did not know about constitutes a direct violation of Huntington 's own internal written customer protection and disputes policies, as well as the explicit promises made by the prior supervisor on XX/XX/XXXX.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/2022 We were lied to by XXXX XXXX who knocked on our door and sold us solar panels, they stated this was an initiative by the state of Florida, because they wanted people to go green. 
They promised tax incentives & told us we would be saving so much money because the solar panels would cut our electric bill immensely. They Lied about the size of the loan, we did not know till afterward when we received an email from Dividend finance and I called Dividend finance in the very beginning with my concerns and told them we were misled, Lied to and pressured into signing up. 
Dividend told me everything was above board and would not let us cancel. Now here we are a year later with the panels still on our roof and still non-working since the day they were installed. 
We found out the work that was done on our home, was done illegally and without a permit or inspection from city. 
Even worse, Dividend released monies to XXXX XXXX for not only Incomplete work but illegal work done on our house. We did not agree to them releasing money on our behalf. 
They approved everything from XXXX XXXX, very quickly and without our knowledge so the loan could be activated. 
I also believe they targeted me a stay at home mother with no income to be named on the loan, rather than my husband who has a good income and good credit. So they could charge a higher tax rate. 
Now XXXX XXXX are out of business and Dividend are trying to keep customers locked into these huge loans. A loan that I was not even aware of when the guy was in our home trying to sell us the panels. He told us this was being done through Florida, because the state of Florida wants people to go green. Lies. 
Now Dividend is calling me trying to get me to agree to a third party solar company with great reviews to fix XXXX XXXX mess. When I asked XXXX from Dividend the name of this third party company, with great reviews she could not tell me. 
Then she backtracked saying well actually we have not found one yet, but I would need to agree first. I do not have a contract with this third party company, it was with XXXX XXXX, who are now out of business. 
Our panels have never been fixed or connected. Our local electric company did not even know these panels were on our roof, yet Dividend approved the work and released money to XXXX Stating it was complete. Without permits, photos or documents shown to us the Consumer. Because there is none. Again it was done illegally. 
The only thing I want at this stage is those NON WORKING panels off my roof and to never do business with Dividend ever again.
Consumer complaint received 2023-08-31
Product: Credit reporting 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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. checking my file ive noticed alot of errors that are causing denials on my credit report an are not following the laws in place. none of the data matches all 3 credit reports. please reveiew an remove the information filed as asap.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

I sent letters off on XX/XX/2023 through USPS. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-07-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

This is about two accounts : A few years ago I had two debts that were purchased by National Credit Adjusters. I was contacted by National Credit Adjusters. I received a voicemail that said they were looking for me and asking for my employer 's information because they wanted to notify my supervisor. Terrible things were said to me. They called me at my work phones several times. I was embarrassed and scared. They contacted family members and told them I had a debt. They told me the most intimidating threats. He left me voicemails that ended with '' good luck with your case ''. I made payment arrangements and paid this company and the original creditors a lot of money. I asked from National Credit Adjusters for my payment ledgers. They said they were not allowed to do that. All they did was send me letters telling me I had a lump debt and I needed to pay. The fees and collection tactics were abusive. I paid more than the fair fees. 

I received a call today. XX/XX/2019. The caller asked me what I was going to do about my debt. I am terrified I am going to start being harassed by this company again.
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

I received an XXXX from my employer as a XXXX bonus gift with a balance of {$200.00}. I tried to use the card at XXXX XXXX week ago and it was declined. Then today, it was declined again when I tried to purchase XXXX pairs of jeans from XXXX for {$90.00}. I called the Amex Rewards Card number ( XXXX ) today XX/XX/23 and spoke to a representative right away. He could see that I was trying to purchase something from XXXX and could see the exact amount, but could not explain why the card was being declined. He told me to " Try it again in a while '' or to " Use the card at a different merchant ''. I told him that I wanted to make a purchase at XXXX, not some other merchant and asked him if there was anything he could do on his end to allow the payment to process. He could not help me and just repeated the previously mentioned statements about waiting and trying again or using it at a different store. This is the XXXX  store that has declined the card ( first store was XXXX ), but I did not reach out to the company at that time.
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

Starting on XX/XX/2023 XXXX XXXX allowed someone to complete XXXX transactions out of my Wells Fargo Business Account. I've reported this to XXXX XXXX and Wells Fargo. When I first initiated the dispute processXXXX XXXX responded with the incorrect information. My XXXX XXXX  is set up under my email address XXXX not a phone number. When XXXX XXXX responded to my dispute they responded to me as XXXX. My XXXX XXXX name is XXXX XXXXXXXX XXXX XXXX This has me under the suspicious that they have the wrong information about me and something happened to allow someone to take advantage of my information and make these unauthorized transactions. How can you investigate a dispute if you have the wrong person? My Sim card also was compromised and was unaware of the issue until XX/XX/2023. {$17000.00} was taken in small amounts from my Wells Fargo account. I've submitted documentation and had XXXX XXXX even reach out to Wells Fargo and XXXX XXXX  Even with the evidence provided, both parties continue to deny my claim. When I spoke with the investigators from Wells, I mentioned, the amounts aligned with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not say, I sent to wrong recipient. After talking to the executive manager at wells, he made me feel like I was a criminal attempting to lie. XXXX is alot to just walk away from. Even though XXXX XXXX is the issue, Wells Fargo is supposed to have its clients back. How can you fully investigate a issue if they have the wrong recipient?
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: VEROS CREDIT, LLC. (CA)

On XX/XX/XXXX I bought XXXX XXXX XXXX From them everything seemed good until I was about to install a CD player came to find out there was a second layer of Dashboard I started looking further and realized there was a sheet of plastic glued on the Dashboard I took it off and the complete dash was broken I reached out to the sales rep he said we will fix it and then to reach out to service manager. I called him he goes I told the sales manager that do not sell the truck like this no one will like it let me call you back I said OKAY and they never called back I went to the dealership and try to get my truck fixed the manager cursed me out and threaten me. 

XXXX XXXX who financed my car is there XXXX company registered in different state but mailing XXXX XXXX XXXX is XXXX XXXX. I asked the Loan officer who was funding the loan not to do it as i found the mechanical problem but they still went ahead and did it..As this was an inhouse deal so they know what they where doing this is Fraud and Scam with the Consumer
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services (KS)

After I filed the initial dispute of debt on XX/XX/XXXX, regarding a medical debt from XX/XX/XXXX, North American Credit Services ( NACS ) never acknowledged my request. On XX/XX/XXXX, I called the number on the billing statement from XXXX XXXX ( XXXX ). The customer service representative ( XXXX ) said the matter would be looked into since the XX/XX/XXXX medical bill was in fact on a payment plan and being paid as agreed. On XX/XX/XXXX, I again called the billing number ( XXXX ) to speak with another XXXX who again confirmed the debt collector would stop. I am still receiving contact from NACS so I again called Advent billing again on XX/XX/XXXX ( XXXX ) to again be told my account is in good standing and no collection agency is needed and the debt would be pulled back. Still receiving NACS letters so I call XXXX Billing again on XX/XX/XXXX ( XXXX ). This XXXX was proactive and contacted her XXXX. She confirmed my my XXXX XXXX XXXX is in good standing, paying as agreed, and NACS collection would stop. On XX/XX/XXXX, I receive yet another NACS letter stating they are sending my account to legal. I am still paying the account balance, every month as agreed, to XXXX XXXX.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX. I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Experian Reported Late payments on my XXXX XXXX Account on XXXX. Experian also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act Experian has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with XXXXXXXX XXXX, to substantiate my claim. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. 

XXXXXXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. 

I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. 

Thank you for your prompt assistance in resolving this matter.