davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (IL)

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and BBB. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because before even having my baby They were asked do they take my insurance and the hospital that performed the XXXX ( XXXX XXXX XXXXXXXX XXXX ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now equifax and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from XXXX bank that shouldn't be on my file
Consumer complaint received 2023-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (AL)

Do LVNC founding company threatened me placing debt collector on my credit report with out notify me about this matter I requested full disclosure an sign documents saling my personal information to uptain founds
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FISERV INC. (IA)

On XX/XX/XXXX I was issued a new debit card due to fraudulent activity on my account. I paid {$25.00} for the card. XX/XX/XXXX I tried to activate my card and was told my account was closed. The person told me to get a new account with a packet from employer. Told him I didnt work for that employer & wouldnt be able to do that. He then took my credit union info and told me all of my money {$4000.00} would be transferred in 24-48 business days. Called back on XX/XX/XXXX when funds were not received- to go through the same conversation with a lady. She then input my credit union checking info again and again was told 24-48 business hours. Called back XXXX when funds werent deposited. Was told they could only issue me a check via usps to my home address. Was not happy, but said ok. This lady said 7-10 days I will receive my full refundXXXX XXXX I called to check status of my check when I havent received one. Was told there was no check to me, but could process one and it would take 4-5 weeks to receive. I asked to speak to a supervisor was put on hold for XXXX hour and XXXX minutes and hung up on. Tried calling back and the whole customer service was closed. Called XX/XX/XXXX to resolve issues had to call 6 times, waited on hold upwards of XXXX mins, sent to multiple different people, hung up on XXXX times, and have no idea where my money is. I wanted to speak to someone who could actually make sense of this and give me the money Ive been requesting since XX/XX/XXXX.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-12
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. (AL)

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. Account name : 1. Bank of America 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 2023-01-12
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: Experian Information Solutions Inc. (CA)

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. 
Account name : XXXX XXXX XXXXXXXX, 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 2023-10-19
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$53.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went to XXXX on vacation, I took my Bank of America ATM Visa card with me, as thats where most of my money was this time. I used the card for everything. When I returned and was going through my account, I ACCIDENTALLY noticed a fee Bank of America charged me for paying for my hotel. I thought it odd, because I have used other cards from other banks over the years and had never seen this. I began to check further AND TO MAKE A LONG STORY SHORT, BANK OF AMERICA CHARGED ME A WHOPPING {$110.00} IN FEES FOR JUST PAYING WITH MY VISA DEBIT CARD, DESPITE BEING TOLD THAT WE CAN USE OUR XXXX CARDS ANYWHERE IN THE WORLD!! 

No one at Bank of America had ever told me that these fees would be charged just for using my own money. Also had I known, I would hsvd used my XXXX card instead. 

I was VERY DISTRAUGHT as I can not afford {$110.00} in fees, which I didnt know about and Im just using my money via my card. 

I called the bank and the customer service agent said she is authorized to refund me {$40.00} only and she did. But Im still not happy as I think this is unfair! HOW CAN SOMEONE BE CHARGED OVER A XXXX DOLLARS IN THESE HARD TIMES, JUST FOR USING THEIR OWN MONEY WITH A VISA CARD THAT IS WORLDWIDE??
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

How was this verified when even the collection agency couldn't find an account belonging to me? YES, I provided my full name, address, and account number ( s ) as listed on the credit report. Yet, Transunion is the ONLY bureau still reporting something that is UNVERIFIED!
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Westlake Services, LLC (MD)

My co-signer and myself went to purchase a vehicle with XXXX XXXX  XXXX XXXX XXXX a little over XXXX year ago. The vehicle was not cleaned before taking it for a test drive, and before we signed our names on the contract I specifically asked if GAP COVERAGE was included, and I was told yes. I also asked if we had an option of the pay frequency, we were told that it could be worked out with XXXX. A XXXX months ago we were struck by a drunk driver totaling the vehicle, after my insurance company paid the settlement they offered. We were told through the lien holder ( XXXX XXXX ) that gap coverage was never added to our contract. To make it worse, I never received a title ( I had to purchase and expedited a copy ), and we were pressured into adding a positive review on XXXX before they let us leave and drive off of the lot with the car! Now that I am trying to discuss and work out something with XXXX XXXX, I keep getting transferred, disconnected, or no one can provide straight-forward answers to my questions unless it's in regards to how I intend to pay.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

I did a credit card consolidation on XX/XX/2022 and there was an overpayment of {$11000.00} so on XX/XX/2022 I asked that they send me a check for balance and they said they would. On XX/XX/2022 I noticed an ACH payment for this amount and the credit was gone out of my account. I called and they said that they decided to refund it to a bill payment service but were not sure which one or the account number. My credit consolidation company XXXX has not received the money and US Bank can not find it. I would like to find this money and receive it or have it received by the credit consolidation company as my payments on my consolidations are {$750.00} a week and I am paying for something I do not have.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over 7 years old. I did not receive any response, so I submitted online request with TRANSUNION to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 9 items that need to be removed from my credit report. Thank you
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over XXXX XXXX XXXX. I did not receive any response, so I submitted online request with EXPERIAN to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 4 items that need to be removed from my credit report. Thank you
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have tried several attempts to get the XXXX XXXX XXXX to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to know and understand how their unfair practices affect my daily life. Many companies use unfair and illegal tactics to deny you your rights by law to obtain bank accounts and credit. I have not been able to obtain credit for anything, not even secured due to their unlawful and discriminatory practices. 

XXXX states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

XXXX XXXX XXXX I have become homeless and not able to obtain a new home for me and my children as a result of consumer information bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the consumer information bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I used PayPal to send an instant payment, like I always do when using this service, to a friend. PayPal decided to put a hold on the instant payment, calling it an echeck. The payment I made was on XX/XX/23. My bank released the funds on XX/XX/23. To date, ( XX/XX/23 ) PayPal still has not released the funds. When I called to inquire, I was told it was on MY banks end where the problem lay. I called my bank and it was not my bank holding the funds. I believe PayPal received the funds from my bank and is holding them for their use. When I asked the PayPal representative why they are holding the funds he stated that it is a banking regulations that requires them to hold the funds. If this is true, then why don't they hold ALL funds paid out to individuals? Additionally, if it is a banking regulation, and they are not a bank as the representative told me several times, shouldn't they have to follow the same release of funds schedule as a bank? I would appreciate your investigation to this matter as I believe PayPal is unlawfully and unjustly holding fund.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Lease
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 (NJ)

I need to express my frustration with Hyundai Motor Finance Title Department ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) who are clearly not able to do their job properly. 
I paid off my lease on XX/XX/2022, uploaded the XXXX  statement the same day and have been back-and-forth with XXXX  even up until now in order to have my title released. I have faxed ( XXXX ) and mailed to the title department via priority mail the XXXX form, which was delivered on XX/XX/XXXX ( I have a proof ). No one at XXXX is able to locate that form though XXXX of the special agents ( his name is XXXX XXXX lied to me saying he sees the form and it was uploaded to my account and my title getting released today. When I call back the next day to ask for the tracking number the supervisor told me there is no XXXX form on my account. XXXX clearly lied to me. Every rep I've spoken to gives me different answers. Every phone call I make always ends with " we're going to escalate this with our titles department and put you on highest priority '' and nothing is getting moving. I keep recording everything in order to build a case for a lawsuit if things are not getting done soon. I have filed both XXXX  and CFBP complains, next thing will be getting a lawyer. I have even requested if they are not able to complete the " Lease buy-out '' process from their end I want to get refunded and I will return the car immediately.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (TX)

THIS XXXX  ACCOUNT ( XXXX ) HAS BEEN DISPUTED AND COLLECTION HAS BEEN DELETED FROM FILE BECAUSE THIS ACCOUNT HAS BEEN FOUND FRAUDULENT. I NEED THIS UPDATED AND REMOVED FROM MY CREDIT FILE IMMEDIATELY ALL DOCUMENTS HAVE BEEN SUBMITTED TO THE COMPANY FOR REMOVAL AND SINCE THE ACCOUNT WAS SOLD TO FIRST FINANCIAL AND THE COMPANY DELETED THIS FROM MY CREDIT FILE THE ORIGINAL CREDITOR XXXX  NO LONGER HAS RIGHTS TO FURNISH THIS ACCOUNT ON MY CREDIT FILE. REMOVE IMMEDIATELY