davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (WV)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$8700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$660.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX  - XXXX - XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$62.00} XXXX  - XXXX - XX/XX/XXXX - {$940.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (ME)

Hello, My name is XXXX XXXX and I have a major problem. I don't know what to do at this point. I have exhausted every option. So let me explain what is going on. In XXXX of XXXX  my wife and I went to XXXX XXXX in XXXX XXXX  to do some XXXX shopping and spent {$62.00}. So when we cashed out the cashier asked if we would like to get XXXX % off if we applied for a XXXX XXXX credit card. So we did. The cashier filled all the information out for us, address, phone number, and email address except for my yearly income.I filled the income part out. So we left the store and I never even thought again about the XXXX XXXX credit card. This is because I never received the credit card or a monthly bill in the mail ever. That's why. I get a voicemail on my phone saying I owe XXXX XXXX money and is past due. So I call them and I can barely understand them, as they are not American people and they have broken XXXX. It turns out that my bill at XXXX XXXX was {$62.00} and with late fees and it's now {$230.00}. The lady I was talking to was not any help, so I asked to talk to her supervisor. So I talked to the supervisor on a recorded line and she asked me my address. I said it was XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. She had me as XXXX XXXX, XXXX XXXX, Maine XXXX. That was the wrong address they had and XXXX XXXX admitted it. The cashier at XXXX XXXX entered the wrong address. So I asked them to drop the late fee and I would pay them what I owe them. I got a very interesting response from the supervisor. She said it would have to go to committee and they would make a decision and let me know in ten days. They never did let me know in ten days. Months later I got a registered letter from Synchrony Bank, XXXX XXXX XXXX, XXXX PA XXXX and they must represent XXXX XXXX. Synchrony Bank said my balance was overdue and they wanted me to pay {$230.00}. So I called Synchrony Bank and told them I called XXXX XXXX and talked to them about it. XXXX XXXX admitted to having the wrong mailing address. So Synchrony Bank sent me a form to fill out to tell them what happened. I don't feel I should pay the unbelievable late fee. As I stated I never got a XXXX XXXX credit card or a monthly bill in the mail ever. I have always had a XXXX credit score and now I have been flagged by XXXX XXXX and my credit has dropped. I don't think this is right. I now can't get good interest rates on XXXX went to get a personal loan and would have got XXXX % but with XXXX XXXX flagging me I had to do XXXX %. I would like the late fee removed and pay what I owe XXXX XXXX and have my credit score fixed. Can you help me with this? It would be so appreciated. Thank you, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MiraMed Revenue Group LLC (IN)

Back in beginning of XXXX I was injured at home with a dislocated shoulder. I went to the XXXX XXXX I was out of work for almost 3 months. I owe XXXX XXXX but I'm tight on money because I have other bills that needs to be paid.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anzsk open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been unable to get my consumer report from Transunion. Online it says I have an open dispute but when I request for a copy to be sent to my address, I have yet to receive it. This request was put in more than 30 days ago, XX/XX/2023. TransUnion has been given ample time to get a copy of my consumer report to me. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet TransUnion is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed inaccuracies with XXXX XXXX XXXX reporting inaccurate information to my credit profile. They have knowingly been reporting inaccuracies to all three credit bureaus. Last year XXXX did delete the account from XXXX XXXX XXXX due to them constantly reporting inaccuracies on my credit profile however, XXXX XXXX XXXX is still reporting inaccuracies to Trans Union and XXXX. I have disputed this with them as well however, nothing has changed every month. Every credit report, my credit profile is showing inaccuracies from XXXX XXXX XXXX. 
XXXX XXXX XXXX is literally reporting whatever they want whenever they want. They dont care about if what they are putting on my credit report is real or not its damaging to my credit, and my credit profile is misrepresenting my credit profile, and I do not authorize them to do any of this. This is causing extreme loss and a great loss to myself stress and just being completely exhausted with this not being resolved. 
I am asking that XXXX XXXX XXXX  be deleted from both XXXX and from TransUnion just as it was from XXXX they will continue to report inaccuracies on my credit report, which is damaging for me. I have contacted this company I have disputed this company. I have proof with multiple different credit reports showing XXXX XXXX XXXX reporting whatever they want any date they want any amount they want theyre even making false reports to my credit profile stating that Im making payments to them or reporting fake last payment dates to them and that is all and inaccurate false, and lie. I also have the proof of XXXX removing XXXX XXXX XXXX from my credit profile last year. 
Please have this company blocked and deleted from my credit profile.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 I received a wire of {$19000.00} from a commission of a real estate transaction. XXXX XX/XX/2023, I received an email that my account has been frozen for review. Its been months now without any resolution or access to my funds. Ive called and visited the Capital One branch numerous times only to hear the same thing, the investigation is still open and no further information can be given. My client did a wire reversal on XX/XX/2023 as per the advice of a capital one employee, but capital one did not return the wire to her. I have not received any of my money back, any resolution or any explanation for this account freeze. Please help.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXXXXXX XXXX  with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting Act. XXXX account # 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 an account without my written instruction. XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/XXXX I made a payment to toyota financial services, it was taken from account on the XXXX then for no reason returned on the XXXX, without any notification from toyota as to why. Then when trying to pay before a late fee was applied, I was charged twice because of a glitch on the website. After calling to have the extra payment returned I was promised that the over payment would be returned. Then returned both payments, one by mail and told that I had to make another payment and would be charged late fees and the late payments would be sent against my credit score which they have and has drastically effected my credit score.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DE)

On XXXX I initiated a wire transfer through a branch of 5/3 bank to an account I own XXXX  where I currently work. I confirmed the transfer and it was approved by the fraud team and the money left my account. I called in on XX/XX/12 to get the details of the transaction as I didnt receive confirmation details. The first two agents, whom were located in an XXXX call center, didnt have access to provide me details and told me to visit a local branch. They also both released the call. I was told that the call center agents dont call back customers when the connection drops on their end, a frequent occurrence in the XXXX  XXXX 

I called in and spoke to a third representative who I immediately asked to speak to a supervisor. This supervisor transferred me to the wire department, who told me they didnt handle personal accounts and would transfer me to someone who did. I asked that they confirm the person I spoke with would be able to provide me the requested information and they assured me they would. Instead they cold transferred the call back to a general inquiry rep who couldnt see the information I needed. 

I am now speaking to my 5th person who cant provide me the needed information. She too released the call.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (MN)

According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. My nonpublic personal information is written all over a public report. XXXX is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' XXXX does not have my consent to furnish this information and they absolutely do not have my written consent. The fact that XXXX is ignoring me saying I have a right to privacy that they do not have a right to ignore that and they they continue to violate my rights. XXXX need my consent to furnish information on a consumer report with a likeness to my name any and all consent XXXX in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' XXXX never informed me that i had a right to exercise my nondisclosure option. I do not consent to my personal nonpublic information being shared on a public consumer report that anyone with XXXX can obtain. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX is not maintaining reasonable procedures. They are not removing items while they investigate. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of any and all debt collectors reporting to my consumer report.
Consumer complaint received 2023-09-12
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: Incomm Holdings Inc. (CO)

I was given a ViSA gift card issued by Vanilla in the amount of {$100.00}. The person gifting this to me also taped their receipt from XXXX verifying that it was activated. I went to XXXX, and they said the receipt proves the card was purchased and activated, but they are not responsible for the card not working, nor could I exchanged it for another. 

When I opened the card, a group of 4 numbers had been scratched off or possibly was never printed on the card. The numbers missing are in the middle of the card account number. I tried calling Vanilla Gift ( the issuer of this gift card ) multiple times and tried multiple options, but I could not get any service since I can not enter the account number. No matter what I do, I get a recording that says, " It looks like you are having trouble with your card number, goodbye '' and then I am automatically disconnected. It says that the account number is also on the packaging, but that is not true. The only place with the actual account number is on the card front. I then tried using their website feature, but it also requires the card number to proceed, and again, I can not read the number. 

Since I can not read the card number, it is impossible to use it online as I can not enter the number. I have tried at multiple stores including, XXXX XXXX, XXXX, XXXX and XXXX, and XXXX to use this card. It was rejected by all of them. The packaging says to pick any 4-digit pin at first use, but this also does not work. 

When researching this, I found a forum where dozens of people have had this same complaint about Vanilla gift cards. I was shocked to see the same problem over and over again about the missing or scratched-out numbers. My guess is they are hoping people will just give up and not use the card.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Upon reviewing my latest consumer report furnished by Equifax. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency EQUIFAX INC in accordance of 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (IL)

I have been dealing with Experian, online, correcting misspellings, wrong phone # 's, etc. I have tried several times to get a phone # removed, to no avail. The # is XXXX. I do not even know how this appeared on my credit. Also, my past employer was spelled very wrong, and in trying to get it corrected, they actually removed it. Now I have no employment history. I have been trying to get them to spell my past employer as XXXX XXXX, Lead Teller. Please help me to get my info corrected on my credit report. Thank you!