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

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( 4 in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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 instruction
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-07
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. (PA)

15 USC, 1681-B A Intends to use information as Trans Union violated my consumer protection rights FCRA When these account are on my credit report and they aren't my accounts XXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX date closed XX/XX/XXXX
Consumer complaint received 2022-08-07
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. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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: AMERICAN EXPRESS COMPANY (AL)

I XXXX XXXX XXXX purchased a timeshare on XX/XX/2022, with XXXX XXXX at their XXXX XXXX XXXX. Prior to this purchase, the account with American Express did not exist. The sales staff pressured me to apply for the credit card and then charged the full amount to this account for the vacation interest in the amount of {$12000.00}. 

The sales representatives insisted that I apply for this account even though I would have preferred to not use a new account. They also insisted that the full amount be placed on the card to cover the cost of the contract purchase with XXXX. 

I later discovered that the vacation interest is nothing like what was told to me at the sales presentation. We were advised verbally, and they visually demonstrated to us that the Resorts would only cost a certain amount of points which was a lot lower than the points would actually cost. 

Due to the misrepresentations made by XXXX 's sales reps and the pressure placed on me to apply for this American Express account I am disputing the full amount that was charged to this card on XXXX XXXX in the amount of {$12000.00}. 

Please note the amount for the contract that was charged to the American Express was more than 50 % of the total cost associated with the interest.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Received credit alert about a capital One credit card opened in my name. Called Capitol One and notified them of potential fraud, it was for a Walmart card???. Then called ID protection XXXX. 
Daughter received same notification same day. 
Was this due to my XXXX  router and WIFI being changed out??
Consumer complaint received 2023-12-12
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2022-08-06
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. (FL)

XXXX has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that XXXX has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title XXXX chapter XXXX. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, XXXX is operating as a financial institution based off of the relationship that they have with financial institutions. 
XXXX has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. XXXX did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

I have an XXXX XXXX account that returned a deposit back to CHIME. Hence it was a deposit or a credit to my Chime checking account. Two small verifying deposits from XXXX XXXX into CHIME had been made a few days previous. When the amount of {$700.00} was returned back into the CHIME account, CHIME locked my account. I was unable to pay rent or buy gas to get to my job, I'm not able to buy food and my Social Security has since been deposited into this CHIME account which I now also don't have access to. I have access to NONE of my money. I'm a XXXX  citizen and this is outrageous and affecting my health. I have made 6 phone calls to CHIME and have sent them the documentation they demanded in order to unlock my account. It is still locked, and I have no food, my dogs have no food, and am going to lose my apartment, and I'm this has changed my entire life. I am distraught and have no recourse against this company. Oh my goodness this is killing me. Please help me. PLEASE HELP.
Consumer complaint received 2022-08-06
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. (DC)

In accordance with the Fair Credit Reporting act XXXX / XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a Section 2 : States that the term consumer report does not include, a report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (PA)

I received a delivery via XXXX XXXX on XX/XX/XXXX from XXXX of items that were fraudulently ordered in my name. I discovered through XXXX fraud department that a credit card account with Genesis FS Card Services was set up fraudulently in my name. I have contacted XXXX to dispute the Genesis FS Card Services account and I have also written a multiple letters to Genesis FS Card Services disputing this fraudulent account. XXXX alerted their Fraud Team of this issue. XXXX was able to reroute additional items that were part of the fraudulent order. XXXX employee XXXX XXXX stated in an email to hold onto the items delivered until XX/XX/XXXX. XXXX XXXX stated that if I did not from XXXX 's credit recovery team I was to go ahead and dispose/donate the items received fraudulently. I did not receive any further communication regarding this matter from XXXX. I have requested that XXXX retrieve their items to no avail. Genesis FS Card Services insists that I owe {$820.00} for the items fraudulently ordered in my name. I have disputed these charges by writing multiple letters to Genesis FS Card Services. I want the fraudulent charges credited to the fraudulent Genesis FS Card Services account and the account closed. Any adverse information on my credit report needs to be removed immediately.
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX Bank account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report immediately.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

15 USC, 1681-B A Intends to use information as Experian violated my consumer protection rights FCRA. My desire is to have these inquires removed from my credit report : 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
Consumer complaint received 2022-08-09
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. (PA)

This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?
Consumer complaint received 2022-08-09
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. (PA)

This is a really significant matter for me! You are negatively affecting my credit report! You are creating XXXX  for me as a consumer. I am unaware of what is occurring on this account. Why is it displaying late payment remarks yet I am always prompt with my payments?
Consumer complaint received 2022-08-06
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-07
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. (OH)

Disputed accounts on credit file That are not mine. Proof of ownership has not been verified. These accounts listed on file do not belong to me. I havent been given any proof of ownership
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, 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.
Consumer complaint received 2022-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

AS OF XXXX TRANSUNION HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH XXXX XXXX REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.
Consumer complaint received 2022-08-09
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. (CA)

XXXX, experian and XXXX all are reporting and unfair discriminatory credit scores very low... there are no collections and no late payments ... my credit score continues to decrease instead of increase and I am also be denied credit
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On or about XX/XX/XXXX, I received a notice from Fifth Third Bank that my checking account had gone into overdraft and that funds had been taken from my line of credit to cover the overdraft. 

This did not make sense so I looked at my account online to see that Fifth Third had processed check # XXXX that I had written in XXXX, XXXX for {$140.00} and had cashed it for {$15000.00}. A copy of the check is attached. I immediately went to the bank and meet with XXXX XXXX, my personnel banker. 

XXXX XXXX told me that the check had been probably stolen from the USPS and altered and that Fifth Third had cashed it for the forged amount of {$15000.00}. XXXX XXXX had me sign numerous documents and told me that my money would be returned to my checking account. He told me it would probably be returned sooner but no longer than 180 days. I told him this was ridiculous as Fifth Third had cashed a check that was obviously fake and that this was not acceptable customer service. 

I continuously followed up with XXXX XXXX until early XXXX. He kept giving me the run-around and telling my money would be returned soon as I am a Preferred Customer. I told him that if this is the kind of service a preferred customer receives, I can not imagine the kind of serve a regular or poor customer living on social security would receive. As a XXXX  person, I believe that Fifth Third is engaged in elder abuse. 

I asked to speak to someone higher up in the bank but XXXX XXXX told me that his boss or the people working on my problem. He indicated that they were not customer facing employees. Then on XX/XX/XXXX, XXXX XXXX told me that he had talk to the XXXX Collection department, the compliance officer, and his boss. He said we need to start over again and that I need to sign a new packet and start the 180 day process again! 

Again, he indicated that I could not speak to his boss or to anyone with more authority at Fifth Third. 

After numerous unsatisfactory calls and meetings with XXXX XXXX I went to the XXXX XXXX, Ohio Police Division on XX/XX/XXXX and completed a police report that is attached.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

They have no idea what they are doing. See attached breakdown for why they say my credit is XXXX. Every time something positive happens my score either does down or stays the same. 
I want an explanation.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

INQUIRIES ( stolen identity ) WF CRD SVC made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted Wells Fargo on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX  made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX XXXX fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/XXXX XXXX
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

Between XX/XX/XXXX - XXXX, 2022, I contacted Fay Servicing inquiring of a {$240.00} increase in mortgage payment that takes effect XX/XX/2022. A representative stated of increase in county taxes and insurance that should have been explained in the letter sent, but no letter was received as I informed. She never stated of resending and couldn't find insurance or tax statements of the increase when looking at my file ; implied of someone will get in touch. As a result, I contacted my town 's XXXX who gave me the latest tax assessment showing of taxes did not increase in the last year. Similarly, my insurance company stated of not increasing my premium in the last year. After receiving the information reached back to Fay Servicing relating the information. I asked the mortgage company if they could forward documentation of the increase, but no response. I attempted on XXXX more occasions requesting documentation to justify the increase. Then I sent an email on XX/XX/2022, explaining the issue and stating of legal actions. within XXXX days a representative contacted me and stated the company will investigate the matter and reach back within XXXX days. As of XX/XX/2022, no one has contacted me and the new mortgage payment due XX/XX/2022, no later than XX/XX/2022. This is concerning as in XXXX the company did not pay my property taxes that resulted in being threaten by Maryland in taking my home ; after contacting the company and bringing to attention the matter was resolved, said of an oversight.