davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (VA)

Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

A wire was sent to HSBC on XX/XX/2020 for the amount of {$77000.00}. The beneficiary did not receive the payment. We, XXXX XXXX ' XXXX XXXX XXXX, sent 4 messages to HSBC and only received 1 response asking for additional information, which we provided the same day on XX/XX/2020. As of today, XX/XX/2020, we have not received a response or the funds. In addition, we have had several phone conversations with HSBC to no avail.
Consumer complaint received 2023-04-05
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. (MI)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX Balance : {$70.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2023-04-05
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. (TN)

I'M REQUESTING TO HAVE TANSUNION TO VALIDATE A DEBT ... XXXX ACCOUNT NUMBER XXXX ... 
TO Transunion : : I Received The Results From My Previous Dispute ... I Have A Right To Have An Investigation Done... According To Credit Reporting Laws They Ensure That Credit BUREUAS Report Only 100 % Accurate Information ... Every Step Must Be Taken To Assure That The Information Reported IS COMPLETELY ACCURATE AND CORRECT ... The Following Information Therefore Needs To Be Re-Investigated... Please Make Sure Everything PERTAINING TO MY CREDIT REPORT IS CORRECT... 
Please Provide ME With THE FOLLOWING ITEMS : : : Pay Off DISCLOSURE Interest Rate DISCLOSURE Balance HISTORY Payment HISTORY AND THE Credit INSURANCE... 
PLEASE VALIDATE ACCOUNT XXXX ACCOUNT NUMBER XXXX ... 
I RESPECTFULLY Ask Transunion TO Provide Some Kind PROOF Of The Alledged Item Specifically The Contract Note Or Other Instruments Bearing My Signature... 
Additionally Please Provide The Name Address And Telephone Number Of The Credit Grantor Or Other Subscriber... 
Under Federal Law You Have Thirty ( 30 ) Days To Complete Your Re-Investigation... Please Be Advised That The Description Of The Procedure Used To Determine The Accuracy And Completeness Of The Information IS Hereby Requested As Well... To Be Provided Within Fifteen ( 15 ) Days Of The Completion Of Your Re-Investigation Transunion Respectfully XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. Please remove these accounts as soon as feasible.
Consumer complaint received 2023-04-05
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: SYNCHRONY FINANCIAL (NY)

ON XX/XX/22 I GOT AN EMAIL STATING THAT MY CREDIT CARD WAS REPORTED LOST AND A CHANGE OF ADDRESS WAS MADE, NEW CREDIT CARD WAS SENT TO THIS NEW XXXX, MY INITIAL CREDIT LIMIT WAS OF {$3000.00} AND EVEN THOUGH I HAD CALLED THE COMPANY AND SAID THAT I DID NOT REQUEST ANY NEW CARDS AND THAT I HAD NOT CHANGED MY ADDRESS AND LOCKED SUCH CARD, THIS OTHER PERSON CALLED UNLOCKED MY CARD REQUESTED A CREDIT INCREASE TO {$7000.00}, REQUESTED A NEW CARD AND EVERYTHING WAS GIVEN TO THIS UNKNOWN PERSON WITH NO QUESTIONS ASKED, PURCAHSES WERE MADE IN CALIFORNIA AND OHIO, I HAVE NEVER BEEN TO EITHER STATE, NOW CARECREDIT IS RULING AGAINTS ME AND CHARGING ME {$11000.00} FOR THINGS I DID NOT PURCHASE, I HAVE ALL MY STATEMENTS, ALL CALL LOGS FOR THE MULTIPLE CALLES THAT WERE MADE TO THIS COMPANY, I HAVE ALREADY OPENED XXXX INVESTIAGTIONS AND THEY STILL RULE AGAINTS ME.
Consumer complaint received 2023-04-05
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Collection Bureau, Inc. (IN)

On XX/XX/2023 United Collection Bureau , INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX sent a letter to my bank, XXXX XXXX XXXX, with the heading " CLAIM OF LEVY ''. Telling my XXXX XXXX XXXX to place a ( 60 ) day hold or restriction on all withdrawals on the account. The problem is that this letter is a Fraudulent Collection letter. Its not signed by a judge or court ordered. XXXX XXXX XXXX still put a hold on my account because of this letter. As of XX/XX/2023 my account is still being restricted even after talking a Manager at XXXX XXXX XXXX several times.
Consumer complaint received 2023-04-05
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: Aldous & Associates, PLLC (IL)

In accordance with the Fair Credit Reporting Act. The list of account have violated my Federally protected Consumer Rights and privacy and confidentiality under the ( 15-U.S.C-1681 ) . 
XXXX.ALDOUS AND ASSOCIATES, PLLC- no account ever issued. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX. Account # XXXX Late payments XXXX XXXX - XXXX Closed XX/XX/XXXX no account # because it is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX -FRAUD not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD Not responsible XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD NOT MINE XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NXXXX XXXX inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference # Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX 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 that a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; 15 U.S.C 1681 s2 ( 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 2023-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION (TN)

On XX/XX/2023, I authorized a one-time payment, in the amount of {$96.00}, with XXXX for Order # XXXX. The total amount of {$96.00} has been placed on hold with my financial institution : Trustmark. On XX/XX/2023, I was alerted to a second hold using the same Trustmark account for an additional and separate hold, in the amount of {$71.00} from the same merchant for the same items. I called my financial institution to dispute the transaction and request a reversal/release of a second hold that was not authorized. Initially, I was informed the second hold would fall off within 5 to 7 business days. I stated, " I need access to those funds immediately and didn't grant permission for an additional hold to be placed on the account in no form or fashion. '' Trustmark call center indicated the problem or issue was on the merchant 's side ; however, the merchant always indicates they only submit one authorization hold. I was later told to have the merchant fax an authorization release to the financial institution as Trustmark had no method to release the funds back into the account. I then traveled the nearest local branch of Trustmark in XXXX, TN XXXX. I had spoken with Vice President XXXX XXXX XXXX NMLS # XXXX, informing her I've had this happen on several occasions with other vendors as well. XXXX XXXX indicated several merchants practiced the same method and required the merchant to fax the authorization in. While within XXXX XXXX 's office I was in contact through telecommunications with XXXX explaining the placement of two holds when I only authorized one. In previous occurrences, XXXX provided documentation through email of only submitting one transaction request. I was on the phone with the merchant while also within the XXXX Trustmark branch so everything can be verified but XXXX XXXX suggested to return to the lobby to speak with the merchant due to not being able to discuss the situation while I was listening to the representative. I returned to the lobby. The representative from XXXX verbally provides an authorization of release code to provide the teller. I returned to XXXX XXXX 's office. In which, she provided a business card with fax information. I left the financial institution with the impression my right was infringed on under U.S.C Title 12 under the constitution.
Consumer complaint received 2023-04-05
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. (NY)

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 :, XXXX 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 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 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Subject : Complaint of misleading customer Dear Sir/Madam, I installed XXXX XXXX on XX/XX/XXXX from company XXXX XXXX XXXX XXXX XXXX Total price of installment was {$13000.00}. I was offered a financing option from their contact ( company who installed the HVAC ) bank ( HOME DESIGN/SYNCHRONY BANK ). XXXX XXXX from heating and cooling company called me and told me they have sent all documents to bank and the installment is {$340.00} per month. They told me they will provide the me link to setup payment. I asked them what are terms and conditions. They told me whatever installment plus {$29.00} per month service fee. I told them it is not bad deal. I setup auto pay for total of $ XXXX and started paying. 
On XX/XX/XXXX my remaining balance was {$7800.00}. On XX/XX/XXXX I got an email stating that my remaining balance is {$13000.00} adding all the percentage of interest from beginning ( total $ {$5500.00} ). I paid all those months to pay again. I was really sad. I called the bank about the situation they told me it was a promotion at that time. Because of not paying off all loans within that promotion period interest was added from beginning. They told me they can not do anything about it. Heating and cooling company directed me to bank didnt satisfied me why would they not let me know about loans terms and conditions. 
In this situation I am feeling I was misled from heating and cooling company. The person who contacted me about financing options was not serious or careless who failed to explain me about loans terms and conditions that cost me extra {$5500.00}. 
When I received a link to setup payment there was a set amount. They knowingly set my monthly payment lower so that they could claim the more money. I had never heard of this in my life. I didnt not have any option to change the monthly payment and I did not set up amount. The set amount was less so I could not pay off with in the promo period. I did not pay attention to those emails until XXXX of this year XXXX because I had auto pay set up and having that amount ready in my account. I was never missed any monthly payments. 
In short I was not told the terms and conditions of the loan so I believe I should not pay the interest from beginning again. I am happy to pay whatever the interest is to remaining balance or I can pay off remaining balance altogether.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX  shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX ) XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax XXXX XXXX XXXX XXXX shows a date of XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX and Equifax
Consumer complaint received 2023-04-04
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.
Consumer complaint received 2023-04-05
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; FA XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX CAPITAL ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-24
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Please delete the fraud alerts and extended fraud alerts from all 3 bureaus XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION.
Consumer complaint received 2024-10-25
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-04
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. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.