davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever. 
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. 
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.
Consumer complaint received 2023-01-02
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: North State Acceptance, LLC (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX UC_C. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. NORTHSTATE ACCEPTANCE has never proved this debt belong to me legally.
Consumer complaint received 2023-01-02
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. (LA)

I have looked over my credit report several times and 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-01-02
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. (TX)

I have XXXX XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last enrollment. They corrected some of the late payments reported. I was enrolled in XXXX  for XXXX and XXXX XXXX. According to their website, you have XXXX  months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: MoneyLion Inc. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MONEY LION has never proved this debt belongs to me legally.
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (KS)

I noticed a couple of inquiries that I did not apply for and have no idea how they got there. On XX/XX/XXXX I noticed somebody tried to take personal loan out for one main financial, XXXX XXXX and XXXX XXXXXXXX XXXX credit card on the XX/XX/XXXX.
Consumer complaint received 2023-01-02
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX Account # 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 witout my written instructions.
Consumer complaint received 2023-01-02
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. (FL)

Equifax is in violation of the Fair Credit Reporting Act for providing information from my credit file in according of XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I XXXX XXXX has not provided Equifax written instructions to provide any information of my consumer report XXXX. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022
Consumer complaint received 2023-01-02
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. (LA)

I have looked over my credit report several times and 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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC (TX)

VALIDATION AND CEASE AND DESIST Leafy Financial LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Leafy Financial LLC : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (AZ)

My rights have been violated in relation to an account on my credit report. 
CAINE & WEINER XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.
Consumer complaint received 2023-01-02
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 XXXX
Consumer complaint received 2023-01-02
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. (PA)

Notice, it is a fact, affiant is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, XXXX, XXXX and Transunion, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, XXXX, XXXX and Transunion is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Grow Credit Inc (AZ)

Grow Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. I need the missed payment off my credit report because there was no wrong payment. My payments are still missed to this day and I dont know why. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I need the missed payments removed ASAP and this account to be closed.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I am a victim of fraud. On XX/XX/2022 {$79000.00} was wired out of my Citibank Checking account. It was XXXX transactions Citibank will not give me my money back because they say I did not protect my account. The criminal called and said they were a CitiBank employee and someone was using my credit card. I asked them how do I know you are from CitiBank. She said in a few minutes I will send you a Citibank alert. I got it and it was a real Alert. That is why I believed it was true. She told me to push yes that I got the alert and I am aware that this is happening. Because I pushed yes that is obviously how they got my money. But how did they get my credit card information. I didnt give it to them.
Consumer complaint received 2023-01-02
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: Resurgent Capital Services L.P. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with the alleged debt agency, LVNV Funding and customer service was horrible. They sent me a letter claiming another alleged debt agency have file. ( EVIDENCE ATTACHED ) They are robbing, badgering my credit with no explanation on an erroneous alleged debt collection.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CA)

In XXXX of XXXX, we responded to an offer from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX to process a balance transfer with XXXX XXXX interest through XX/XX/XXXX for a XXXX XXXX fee. We borrowed {$11000.00} on this offer, and that amount including fee ( {$11000.00} ) appeared as the total balance on our following statement. 

As per the terms of that cards agreement, a XXXX XXXX minimum payment was required each month, beginning just below {$120.00} in XX/XX/XXXX, and declining with lower balances in following months. We set-up automated payments of {$150.00}, and XXXX of these were processed on-time from XXXX through XXXX of this year. As there has been no other activity on this card, the XXXX statement reflected the remaining balance of {$10000.00}, with a minimum payment of {$100.00} due in XXXX. 

In XXXX, we also received notice that the XXXX XXXX XXXX XXXX would transition from the XXXX XXXX XXXX to be held by FNBO ( First National Bank of Omaha ). New cards were sent, and we were instructed to re-establish access to our account at XXXX after XX/XX/XXXX, and make further payments through them to keep our account current. At the same time, our previous account access through XXXX was cut-off. 

As required, I enabled account access at XXXX, then set-up automated payments of {$150.00}, as I had with XXXX XXXX XXXXXXXX previously to meet the monthly minimums, though I switched back to manual payments after discovering problems with their AutoPay mechanism, proving it unreliable. While discussing AutoPay problems with XXXX, I also discovered that the required minimums shown on my XXXX statement had been increased to over {$170.00}, from what had been {$100.00} on the XXXX statement. At that time, I asked if this was related to XXXX  errors which had also prevented AutoPay from being set-up properly, and that they adjust the minimum accordingly, but they would not. 

I have just received my XXXX statement for this account from XXXX, and it now requires a minimum payment of double what was required previously. Continuing the discussion on this point, I was told that the minimum payment had indeed doubled from XXXX XXXX of the total balance to XXXX XXXX as part of the changes between XXXX XXXX XXXX and XXXX policies. I have made clear that I have not agreed to such a change, was not given an opportunity to opt-out of any such changes during the transition, and insisted that they uphold the terms of the original agreement for this pre-existing balance until it has run its course. They respond only that the " opt out '' period has passed, and I have no choice but to accept these new terms. 

A transcript on this discussion is attached below ( note that the responses are shown in reverse-chronological order, with the newest reply on top )
Consumer complaint received 2023-01-02
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. (PA)

Notice, it is a fact, affiant is aware pursuant to XXXX XXXX Code XXXX ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, XXXX appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is XXXX to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-10
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-01-02
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. (NC)

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.