davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (GA)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-31
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. (SC)

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 
15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States A consume reporting agency can not furnish a section without my written instructions.

15 USC 1681 C ( a ) ( 5 ) : 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 7 years.

15 USC 1681 S-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-13
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. (MI)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC Bank USA, N.A. 
On XX/XX/XXXX, I opened an account with HSBC in California. I opted for HSBC because my client, based in XXXX XXXX, uses this bank, thereby facilitating a more streamlined process for me to receive payments. On XX/XX/XXXX, I received a payment from my client in the sum of {$15000.00}. 
Subsequent to this, I initiated two wire transactions : 1. {$1000.00} to my credit union. 
2. {$8000.00} to a commercial bank account associated with a design studio for services rendered. 
However, without prior notification or explanation, HSBC canceled the {$8000.00} wire transaction. As of XX/XX/2023, the {$8000.00} has not been credited back to my account, and I was informed it would take another 1-2 business days for the amount to be returned. 
To exacerbate the situation, my entire HSBC account has been frozen, denying me any access to my funds. Despite my efforts to communicate with HSBC to rectify this issue, I've been told my money will remain inaccessible until an undisclosed review process is completed.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My debit card has been compromised.. the card has never left my posession but some how roughly XXXX dollars was used from online shopping stores. I noticed this as they were still pending. Immediately i called wells fargo to open a claim and to try to have them stop the pending transactions.. they did nothing just opened a claim.. i called back then called the merchant on XXXX way with the bank representative pleading to deny the pending charges and neither the merchant nor wells fargo did anything to prevent the processing. Couple days later wells fargo denies the claim saying that the merchant ( rebag ) had my adress and zip code and this was a valid reason to deny my claim.. i asked to reopen claim and investigate better, theu refused XXXX i asked to open another claim, they say i can not open another claim once the first is denied.. i asked what i can do, wells fargo said that at this time it is between me and the merchant.. i called the XXXX XXXX  and they wont do anything without the order number.. i said i dont have an order number because i didnt nake the order.. they then told me to dispute it with wells fargo.. and the circle goes round and round.. i jave had XXXX XXXX calls to wells fargo in less then a week.. for them to deny this case and give me no reason besides the merchant new my adress and zip code, is disgusting, unbelievable, disturbing, heartbreaking, sickening and devastating. My card goes into fraud once a week for simple XXXX XXXX XXXX dollar purchases but just XXXX of these fraudulent transactions was almost XXXX dollars.. my limit per day is only XXXX but somehow almost XXXX goes in few hours.. they say they base investigations on spending habbits.. i yave never soent this type of money in a day in my 15 year history with wells fargo but yet on this specific day not a text an email or any other type of alert.. as i stated wells fargo was notified within hours while the charges were in early pending stages, and showed no desires to care to help me.. so sad hurt disappointed and angry. That this is how i was treated .. all calls are supposed to be recorded id love for you all to hear how i have been mistreated
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (WA)

I incurred a medical expense in XX/XX/2023. The bill was paid in full on XX/XX/2023. 

On XX/XX/XXXX, the payment was returned to my bank ( XXXX ) without any explanation. On XX/XX/XXXX, I called the billing office in response to a XXXX bill that I received. The billing office confirmed that they had returned the payment and said that their back office was reviewing, and I should disregard the new bill and wait to hear further. 

On XX/XX/XXXX, I received a second bill for the same amount and paid it in full again on XX/XX/XXXX. On XX/XX/XXXX, I received a third bill for the same amount as the two previous bills. I contacted the billing office in writing giving the details of the XX/XX/XXXX payment and asked them to advise on the new bill. No response has ever been received. 

On XX/XX/XXXX, I called the billing office again. My bank sent proof of the payment ; the medical facility said that the payment was found in their system but said it had not been cashed. I was advised to allow additional time for you to process the payment. 

On XX/XX/XXXX, the second payment was returned to my bank with no explanation. The medical billing office did not contact me in any way, so I didnt realize this until I saw it in my bank account earlier this week. I immediately paid the bill in full for a third time. 
Yesterday, I received a notice that this bill had been turned over to a collection agency.
Consumer complaint received 2023-07-31
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. (TX)

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.

The letters are stated with items and issues.

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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I filed a dispute with Equifax in regards to providing inaccurate personal information on my credit report! My name is misspelled, my date of birth is incorrect, and there are different addresses on there that I never heard of! I sent in a copy of my original birth certificate and social security card along with my dispute and they fail to update my information!
Consumer complaint received 2023-07-15
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. (CA)

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (TX)

This is in regards to my PayPal account and PayPal credit card. I had money deposited into my PayPal account by XXXX XXXX, an app. I used the money to pay my PayPal credit card. At the same time, other transactions, which I thought would come from either my PayPal credit or checking account ( both with money to cover ) were deducted from the money that should have went into the PayPal credit account. This made the payment not able to process and I was charged a {$27.00} fee.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4300.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2020-06-12
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. (GA)

I AM REPEATEDLY FINDING MYSELF FIGHTING TO REGAIN MY PERSONAL IDENTITY ... ..The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. ACCOUNTS THAT DO BELONG TO ME THEY WON'T REPORT AND THEY KEEP LISTING THESE FRAUDULENT ACCOUNTS THAT WERE PREVIOUSLY REMOVED SOME HOW THEY MAGICALLY FIND THERE WAY BACK ON TO MY REPORT : US DEPT OF EDXXXX ACCT # XXXX {$16000.00} ACCT # XXXX {$5100.00} ACCT # XXXX {$3300.00} I HAVE NOT TAKEN ANY SECONDARY EDUCATION AND HAVE NEVER APPLIED FOR ANY STUDENT LOANS AND ALL OF THESE STUDENT LOANS WERE PREVIOUSLY REMOVED AND DELETED. NOBODY HAS CONTACTED ME IN REGARDS TO THIS MATTER FROM AND EDUCATION COMPANY!!!! HOW IN THE XXXX DOES THIS CONTINUE TO HAPPEN!!! I AM JUST TRYING TO PUT MY LIFE BACK TOGETHER!! REMOVE AND DELETE THESE IMMEDIATELY!!!!
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (GA)

I have been a PNC client for over 7 years. A employee of my company who was granted power of a operating account abused the funds in the account for personal use he was confronted about repaying the funds and without my knowledge he disputed charges that was made by him. After PNC investigation was completed and it was determined that the charges was his transactions, they closed my accounts. My business account that these transaction accrued on another business account and my Trust account. the reduced my credit cards and on some of the that didn't even let me know. so my currency is in limbo and my bills haven't been paid. and I just received a cutoff notice on another bill and my mortgage is going to report to my credit as a late dropping my credit score.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (MS)

I have paid every month for 3 years until I got hurt and was off work but I called and made payment arrangements and I spoke to a customer service manager and was told that they would get all my late fees and some of the extra interest off that would bring my total amount down a lot and I would not owe but a few thousand dollars ( XXXX ) but they have not did that. Most off my money is going towards interest. For the mileage and old year of the car.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

Comenity, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt of {$350.00}. In doing so, I was called a handful of times, some of which were on Sunday. Here is all of the times I was called within a 7-day period. I called and asked to speak with their legal department to resolve the matter without litigation but the customer service representatives were impolite and refused to give me any transparency information. They refused to provide the address to send legal matters and refused to prove a reference number for the call. The phone number for the Comenity customer service line I dialed is XXXX at XXXX. The representative was becoming noticeably aggravated with my questioning, refused to provide any information regarding their legal department ( including address ) and hung up on me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Screenshots of the harassment are available upon request. They called me during church, work, sleeping, driving, showering, and all manners of the day at inconsistent hours. One person went as far as to call me at XXXX, because if they had called me one minute later it would have been a violation of the Fair Credit Reporting Act of 1976. The Fair Credit Reporting Act prohibits calls in excess of 7 times for any given week. It also prohibits from making calls on a Sunday or at an inconvenient hour. I believe my rights in this matter have been violated. Comenity has refused to comment, refused to provide information, and has harassed me for the past week. More information regarding this complaint is available upon request.
Consumer complaint received 2023-07-31
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MS)

Progressive sent over a debt to collection for {$420.00}. I called them to let them know that the amount was wrong as well as the debt collector and even disputed it because the amount was incorrect with bureaus. Progressive reached back out and sent an email with the new balance of {$190.00}. Today the amount was back updated to {$420.00} on each bureau which is not correct and I have the email from progressive stating so.