davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Western-Shamrock Corporation (TX)

Western Finace Shamrock located at XXXX XXXX XXXX XXXX XXXX XXXX They keep calling me and showing up unannounced to my house despite me giving them a limited liability letter from XXXX XXXX. They said they will keep collecting until I pay them. They are being stubborn and not wanting to work with XXXX XXXX to settle an agreement. I want them to stop harassing me.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MD)

We closed our XXXX XXXX account on XX/XX/2021 and were told that our final payment of {$440.00} would cover the final billing cycle due to end on XX/XX/2021. On XX/XX/2021, we received our next XXXX bill through XX/XX/2021 even though we had terminated the service for {$230.00}. They automatically billed my credit card which was erroneously still on file even though we had terminated service. A dispute with my credit card company was resolved in my favor. XXXX then sent me bills and sent the bill to collections. This charge is one for AFTER service was ended and after we were assured by XXXX we had paid our final bill for service through XX/XX/2021.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (IL)

My checking account is through Huntington Bank. My Mortgage is with XXXX XXXX. I received a call from XXXX on XX/XX/XXXX indicating that my payment was not received. I sent my payment using bill pay offered by Huntington Financial on XXXX but XXXX never received it. At this point, Huntington is charging XXXX in late fees. I called Huntington and they are putting back the money they withdrew from my account on XXXX but are refusing to take responsibility to cover the fee from XXXX. Huntington Bank chose to send the payment via mail and not electronically and is not taking responsibility for losing mail ( check ). Their response to this matter is that we are not responsible for the payment to get to its destination. I was with TCF bank for over 15 years before that and never had a single issue. TCF merged with Huntington in the fall of XXXX and Huntington took over customers and accounts. As soon as this happened, I am having issues and Huntington does not want to take responsibility.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The account below is reporting and do not belong to me please remover XXXX XXXX XXXX. 
Reported : XXXX XXXX, 2022 {$2600.00}
Consumer complaint received 2022-02-23
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX EXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX 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 2022-02-23
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: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor : XXXX XXXXE ) XXXX MEDICAL XXXX XXXX  XXXX
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (CA)

I had an account opened XX/XX/XXXX. It is a store charge card. My limit was {$2800.00}. This account was closed XX/XX/XXXX, with a balance of {$3700.00}. Now in XX/XX/XXXX, I am told my balance is just over {$7800.00}. This is {$5000.00} plus over my account XXXX and {$4100.00} over my balance at closing in XX/XX/XXXX. Which already in XXXX months had approximately {$800.00} in interest. I've tried to reach out and get clarification on this interest calculation and how it it billed in an itemized fashion, to never have received. I had to restrict my calls to mail only due to uncomfortable conversation and tactics used to collect this debt. I am truly trying to understand how in 4 years I have accumulated {$5000.00} dollars interest alone. 
No person with Military Star card has in past four years of asking, calling or writing letters has assisted me in finding resolve. Also, I am unable to find among reps, leads, supervisors or management a single person that even knows if there is an error & how interest is calculated. How can I be charged for something that even the debtor can't explain? The way I see this, I have been charged interest and fees illegally that are unexplained. I'm being charged interest on other incurred interest not debt alone. FRAUD!
Consumer complaint received 2022-02-23
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. (NJ)

Below is the follow inquires that I did not authorize XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX NA Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 2022
Consumer complaint received 2022-07-22
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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022, I was notified through XXXX XXXX XXXXhat there was credit check made on my credit history by TD Bank, XXXX, SC. I had not ever used this bank and had not applied for any credit cards, loans, etc. I immediately contacted TD Bank and was transferred to numerous divisions where I gave my information. None of the representatves I spoke with could find any record of my in their system. I then went to all three Credit Bureaus and put in a Fraud Alert and froze my credit. Then on XX/XX/2022, I received an alert from XXXX XXXX again now saying a new credit card account had appeared on my Credit History that day. I checked my Credit History and found that on XX/XX/2022, TD Bank had issued a XXXX  credit card in my name with a {$4500.00} credit limit and now the balance due was {$4400.00}. I contacted TD Bank which was not easy to do without a Credit Card Account Number and found that they ignored my previous warning that my Identity had been stolen and issued a card. The TD Bank credit card fraud divsion representative told me the new card had been obtained by using my name, Social Security number, Birth Date and home phone number but had been sent to an address that was not mine
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Savor account active for several years. Asked to have annual fee waived after it was charged in XX/XX/XXXX. Representative stated they could not waive the fee but if I close my account the fee would be refunded. I fully paid off the balance in XX/XX/XXXX, received a bill for zero dollars for billing. XX/XX/XXXX through XX/XX/XXXX. Called customer service on XX/XX/XXXX and was told they could not process the annual fee refund yet and I had to wait until XXXX and call back to ensure the refund was processed. Called back to customer service on XX/XX/XXXX and I am now told that the account is closed and they have no way to refund the annual fee. I asked that they go back to the recorded lines and listen to the call where the representative told me I would get my refund but they declined me any further assistance.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2022, I spoke to my bank Wells Fargo and the agent I spoke to is XXXX regarding constantly overdrawing my account, during our conversation, the agent said the reasons for my account being constantly overdrawn is because of re-occurring payment and I told her to disable all re-occurring payments of which she said she did and instead of giving the full overdraft credit, I was given a partial credit. I also turn off my debit card and only turn it on when I need to make a transaction to be able to keep track of all transaction going in and out of the account prevent my account from being overdrawn. However, on XX/XX/2022, the bank decided to authorize another transaction on the account in spite of me telling them not to, this time they said it was an ACH debit, and in the past, most ACH debit that has occurred on my account come out as a check and when I ask the last Agent I spoke with about the check number, I was told that because it was an ACH that there is no check number, but every other ACH debit I have on the account has had a check number but this particular transaction {$24.00} has none, and I was charged {$35.00} for overdraft even when I have repeated told them not to authorize any transaction from my account when there is no money.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Consumer complaint received 2024-08-23
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-23
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. (PA)

XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

Around XX/XX/2022 I received XXXX Cash App cards in the mail all registered under my name and address. Each card has it own account number. I have never signed up for anything thru Cash App. Contacted them to report the cards as fraudulent back in XXXX and requested that any online accounts associated with these cards or online accounts needed to be flagged as fraudulent and closed. They issued a case number and I sent in required information to them they required..I have called several times and they will not respond to my requests of updates on closure of accounts and several emails for response that go unanswered as to status on case number. It's been 3 months now and no resolution to this fraud.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

My card started being declined XX/XX/XXXX. The company promised the transition would not affect my using my credit card. They have a six hour wait to get customer service. On the rare occasion that you get the option to get a call back they call you back at XXXX in the morning or the person doesnt know whats going on and you eventually get disconnected. It was a XXXX XXXX XXXX card its now the Goldman Sachs Marcus card. their website does not work and I can find no information about benefits and costs of this card.
Consumer complaint received 2022-02-23
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: JPMORGAN CHASE & CO. (IL)

Hello good Morning. Today at XXXX I began to submit a number of messages to my email for the use of my credit report./ Which I have no intention of. I have evidence of the theft of my information. I appreciate your support and prompt solution. All my credit information was stolen
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can't seem to comprehend on how these fraudulent and unauthorized credit inquiries got placed on my report, this is absolutely alarming. I never gave permission to these companies to access my credit report, it's a blatant violation of my consumer rights. This is making my life more stressful than it is.
Consumer complaint received 2024-08-22
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. (NY)

I am asking for your assistance concerning this incorrect account appearing on my credit report. This has negatively impacted my reputation, and I require your support to resolve it. The improper handling of my credit report has caused me considerable distress, and your inaccurate reporting has damaged my standing. These inaccuracies must be corrected for the sake of my familys well-being.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (WA)

I have tired at many times to find out about why a company got a credit report on me, that i never requested, The company that requested my credit report is, XXXX.. from Experian, i contacted them and i was told to contact experian,, and all i have gotten is the computer run around many times will not let me talk to a human to find out more about why a company i have never heard about requested a credit report on me this happened -- XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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. (AZ)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX D

ata Breach Direct Violation of The FCRA Repor ting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681