davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

USAA has violated my rights in credit reporting. There is an old account from XXXX on my credit report that has inaccurate missed payment dates, inaccurate and missing ( many years ) of on time payments, inaccurate closed dates with each bureau. I have just found out that they are picking and choosing what to report to each bureau and leaving out many years of on time payments. This is a gross legal violation in credit reporting. This is grounds for removal. 
They also violated my rightS under 15 usc 1681s-2 / 15 usc 1681 section 602 A.
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Experian is refusing to reinvestigate XXXX XXXX account that is on my credit report. They have not provided their verification method and they have not provided evidence of how they verified this account, who they spoke to or even if and when they talked to anyone. I have asked for this information several times in the past year. 
I have attached the last letter I sent to Experian in response to their letter stating they would no longer investigate this account. This letter was also sent certified mail. 
It is Experian 's job to make sure my account is accurate and the information listed is verifiable.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have requested to receive my ( 3 ) annual Credit Reports from the three credit reporting agencies. Each time, all three try to get you to pay for an enhanced report or services to get you a higher credit score. All I want is my ( 3 ) credit reports so that I can review them. They must by Federal Law, supply your reports free of charge every twelve months. They are not following Federal Law. It is just the agencies looking to make money when they should be following the Law. I am not going to call and waste my time on the phone with more ads to grab money for the reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
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: HANCOCK WHITNEY BANK (MS)

Hancock Whitney Bank has violated my rights in account reporting. I have come to find out for years they have been reporting many incorrect missed payments and not reporting on time payments since the account was opened. They can't even report the same closed date correctly between bureaus. How can they be trusted. I called Hancock Whitney and they say they can't find my account. but when I filed a dispute with the bureaus, they say all this scrambled information is verified. how can this be when its totally different with each bureau. This account is a blatant violation with credit reporting law. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A.
Consumer complaint received 2022-06-23
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 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 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 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 In accordance with the Fair Credit Reporting act, XXXX 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 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 2022-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

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 2022-06-23
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. (LA)

There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-23
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. (LA)

In accordance with the Fair Credit Reporting Act, Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 an account without my written instructions.
Consumer complaint received 2022-06-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-06-23
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX, XXXX, L, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: National Financial LLC (DE)

The XXXX they were sent a no contact letter, They were also informed by CERTIFIED mail and over the phone + texts to no longer contact me as I was obtaining a lawyer to the unfair and defensive business practices they were using. 

The XXXX & the XXXX they called me. Demanding payment or they would take it to court. 


The XXXX I was contacted by im assuming the owner or lawyer. Ive left voicemails twice and havent been contacted back. 


They have also contacted me on my work phone ( direct phone line, in a grocery store where personal calls are not allowed and I have consistent customers calling to place XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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 (AZ)

On XX/XX/XXXX my son paid upfront for a window ( XXXX dollars ) and a service ( XXXX dollars ) with my credit card. XXXX. 
I asked him to refund to money and cancel the window order and he did under 24 hours. 
The credit card company, American Express, added a second charge without me knowing and resolved the case with the merchant without me knowing. 
Only to find out months later that we were never getting a window. 
The merchant is unwilling to help and American Express will not agree that the fact is not window was ordered and the order was cancelled. i.e. XXXX dollars returned. 
I have refuted the claim numerous times and as a result cancelled my American express membership since XXXX, its appalling.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion reporting student loans Department of education/XXXX XXXXXXXX {$4500.00}, {$4000.00}, {$2600.00}, {$2300.00}
Consumer complaint received 2022-06-23
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)

I have a membership that I pay for with Experian for XXXX XXXX XXXX  # XXXX. On their portal, they have tabs for several partner offerings. I was viewing loan products and had no intention of applying. Just curiosity on my part. My credit is also locked and has a fraud alert on it as well due to a possible breach in the recent past. 

I started receiving a barrage of emails ( attached ) from lenders such as XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX indicating I am not approved for a loan. 

Again, I did not apply for a loan and at no point did Experian 's website indicate that I was applying for a loan or ask for my consent to apply for a loan. 

This is blatant misuse of my information and total failure of transparency. Especially given the fact that my credit is subject to a fraud alert. 

I tried to contact Experian by email and was instructed to call. Then tried to call and it was impossible to speak to a person. Their automated phone system kept looping me back to their very restricted options.
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC (AL)

In XXXX  I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Interstate Credit Solutions, LLC (CA)

Per 15 USC 1635, I have the right to rescind any and all loans should I see fit ; however, this was not disclosed to me. I was not given the transparency regarding the process of the consumer credit application being the financial asset. I have reason to believe that me and my consumer credit were taken advantage of by interstate credit XXXX and their sister company highway motors inc. I was also given false and deception information ( violation of 1692e ) as I was told that a down payment of {$700.00} was required to drive off the lot. Pursuant to 15 usc 1605a - a finance charge is a sum of all charges.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have tried to call and visit Bank of America to get my new checking account setup to pay my credit card bill multiple times and have not gotten clear answers on how to pay my bill and been stuck on hold for extended periods of time trying to reach various agents as many were unable to resolve this issue. I could not set up my account on the website or app because it stated my account was ineligible for bill pay. When BOA agents finally were able to help get my payments working I was then hit with a late fee and told that it can not be removed even though the reason for the late fee being assessed was because I was unable to add any payment method due to error on the bank 's side.
Consumer complaint received 2022-06-23
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. (NY)

New and updated information. I did not consent to or request a fraud alert be placed on my consumer report. Transunion continues to act on my behalf without my consent or authorization. That is a violation of my consumer rights pursuant to 15 USC 1681b ( a ) ( 2 ). Furthermore, Transunion has not made my privacy a grave responsibility pursuant to 15 USC 1681 ( a ) ( 4 ). Instead, they have taken it upon themselves to place my personal telephone number on my consumer report totally disregarding my right to privacy. Not only is this unacceptable it is a violation of my consumer rights as well. Please see the attached exhibit.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (NC)

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # 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 without my written instructions
Consumer complaint received 2022-09-14
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: Fidelity National Information Services, Inc. (FNIS) (FL)

HELLO MY NAME IS XXXX XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY CHEX SISTEM REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (RI)

An inquiry for Synchrony XXXX is showing on my credit report. I disputed the inquiry and requested they remove it. They wrote back that the information from the application matches the credit bureau they will not remove it. They provided a telephone number of XXXX to call if I had questions. On XX/XX/22 at XXXX I spoke with XXXX at that number. I provided my social security number and she was unable to locate ANY information. 

I am requesting that Synchorny XXXX remove this inquiry from my credit report
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was on XXXX looking for homes when I applied for a home I was told that I was approved l. I then began speaking to a person by the name of XXXX XXXX who told me in order to secure the home I need to send off the deposit and first month rent. I sent that over and after that I received no more response. I then called through XXXX and they said that the home is not for sale. On the XXXX I called My bank chase asking for assistance and they have now responded saying they have nothing that they can do. 
XX/XX/2022 XXXX payment to XXXX XXXX XXXX XXXX {$920.00} {$920.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$960.00} {$960.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00} XX/XX/2022 XXXX payment to XXXX XXXX XXXX : {$460.00} {$460.00}
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2022-06-23
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 fair credit reporting act XXXX XXXX preferred # XXXX And XXXX XXXX XXXX closed A/c # 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 states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-06-23
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. (TN)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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 2022-09-14
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (IL)

Had tax refund deposited direct from irs to wells fargoXXXX for the last 3 years, did the same this year only XXXX changed their policy about XXXX  personal and business accounts and now Im not eligable for direct deposit. I call paypal and they say when direct deposits are rejected that they automatically send funds back to issuing bank, call wells fargo and they cant find the account number that ive used through them for 3 years so I call the issuing bank ( XXXX XXXX ) for the irs and they show the date they sent to wells fargo and also provide me a trace number but show that wells fargo has not sent the money back to XXXX XXXX I've ran around in circles for 3 months trying to find my money and can't get answers from anyone.