davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (FL)

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 numberXXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have zero derogatory entries on my credit report. 
Why are there multiple disparaging swings in my credit score despite no derogatory activity? 

Is there a problem with their systems whereby they are erroneously reporting low credit scores for certain consumers? The financial industry relies on their reporting to be accurate to determine the financial worthiness of consumers and the below tracking trend will prove there is a real internal problem happening with my score tracking. 

I want to know if I am targeted? 

The CFPB should investigate this system wide with TransUnion and demand answers for each and every score change over the last 7 months on my credit report. I want each score change to be explained as I am prepared to pursue litigation. I have documentation proving the below trending scores as well. 

I also opened a dispute with TransUnion # XXXX which the company has never responded to despite the multiple calls I've made for updates. 

Please see the following score changes and explain.. 

What changes occurred on my credit report between XX/XX/XXXX and XX/XX/XXXX that justified a XXXX drop, XXXX rise and another XXXX drop over the course of 4 days? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What changes occurred on my credit report that warranted a XXXX point drop in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What changes occurred on my credit report that warranted a XXXX point increase to my score in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted an XXXX point decrease in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point increase in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in XXXX hours from XXXX XXXX XXXX XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX Please see the attachment which indicates no derogatory alerts or changes were rendered during these drastic score changes.
Consumer complaint received 2024-07-31
Product: Credit reporting 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 : 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 Account XXXX : XXXX and 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 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (MA)

{$5900.00} was withdrawn from from my account on XX/XX/2024 without my knowledge. I reported to the company when I tried to make a {$400.00} withdrawal XX/XX/XXXX and have been given the runaround since. I've sent XXXX appeals to their dispute department and they are supposed to be checking on the situation. My last appeal was sent XX/XX/2024 and they told me they had 90 days to settle a dispute after the appeal was sent. 
My history with this company goes back at least XXXX or XXXX  years. My history shows {$400.00} withdrawals, never any point of sale transactions, never any transfers to other accounts. I do not know why they would allow this transaction without notifying their customer.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (VA)

Every month going back to last fall I have been receiving a {$XXXX} fee from XXXX XXXXo in my Everyday Checking Account. I get that they charge fees to people with lower funds as unethical as it XXXX be, but my problem is that they never give me a fixed date on which the fee is to be charged. I can avoid the monthly fee by maintaining a minimum daily balance of {$XXXX} during the fee period/on the fee date, but XXXX XXXX  charges the fee on the fifteenth of some months and the seventeenth of others. It's this moving goal post that is not right in my opinion.
Consumer complaint received 2024-06-02
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. (NC)

PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-31
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Inquired on XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (VA)

I received an alert from credit karma/ about a new collection. viewed and seen that it was from XXXX. I attempted to reach out to them on XX/XX/XXXX to verify what they reported to the collection agency. They could not verify anything because It was already out of their system. I was given a phone # to XXXX XXXX XXXX, I called them at XXXX I was told that my account ( which was put in collection just a few days ago ) was now with an attorney office and XXXX. Spoke with XXXX from this company asking why and what was being reported because I no longer owed XXXX and completed my contract with them. They told me I should have worked it out with XXXX before it came to them and now my options were to pay or settle. I advised I would not settle or pay a debt that I do not own. 

My complaint is how do these big companies get to come up with some random payment or bill that a consumer owe and its allowed to be put on my credit report. I had XXXX tablets on an 18 month contract that I paid from XXXX of XXXX XXXX of XXXX which is when I left XXXX the XXXX contract was up and the guy from the collection agency went through and had my dates but said that what they reported and that is what they are going to collect. ( with no regard to it being accurate or not ) How is this legal. and my credit report is affect in the end. I want this account off my credit report and I want them penalized for erroneously reporting this on my report
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: ADP Inc. (IN)

When I opened the account online I opened a savings as well online. At the time you could use the ATM to withdraw from both accounts. However when I went to withdraw from it it declined it and tell me that action can't be done. I call them and they explain that I have to transfer it to checking and the only way to do that on through there online website. Which I don't have any because my phone is hacked and keeps getting hacked I can't have the app on my phone. So my money is stuck in savings. 

Then I try to make online purchases it declined it I call and they tell me I have to open a virtual card to be able to make online purchases yet they charge my account for online purchases. But I can't use my actual card and I've never opened a virtual card.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: U.S. BANCORP (NM)

I went to exchange my XXXX  at US bank that were leftover from an order I placed for vacation. When I deposited them the exchange rate seemed wrong to me. It was not the current rate. I pointed it out and they said that it was the rate. I needed the money back in my account so I proceeded. I took in XXXXXXXX XXXX on XX/XX/year> and US bank only deposited {$1200.00} into my account. It makes me question my original order of XXXX XXXX that cost me {$3400.00} on XX/XX/year>.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX sent me a check of {$400.00} to XXXX XXXX XXXX XXXX XXXX Ca XXXX on XX/XX/XXXX. I did not receive the check. The check was cashed by a person into an account in Well Fargo bank on XX/XX/XXXX. I did not have any account in Well Fargo. The company sent me the photo of the cashed check. The check was without my endorsement. It is a Check Fraud. Well Fargo cooperated in the Check Fraud. I visited the branch of Well Fargo Bank in XXXX XXXX California, showed them the photo of the check and asked who cashed the check on XX/XX/XXXX. The staff refused to provide any information.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Every month, Bank of America charges me a fee, {$25.00}, because I have less than {$25000.00} in the account! 

IT IS NOT that I have insufficient funds to cover my expenses, and IT IS NOT that I pay late. What are the fees for? 

I found 12 statements that included the Monthly Maintenance Fee, starting in XXXXXXXX XXXX XXXX ( I didnt go back more because Ive with this bank for over 25 years! ) It sound ironic that because if I have less money than others, I get charged more. I thought of Bidens Administration getting rid of illegal fees, and thats why I writing this note.
Consumer complaint received 2024-06-02
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. (CA)

XXXX received payment ( See below ) " within the grace period of 2 days from the due date XX/XX/XXXX '' yet fraudulently reporting increased account balance to credit reporting companies. This is NOT THE FIRST TIME. XXXX and all credit reporting companies were sued in XXXX XXXX in XX/XX/XXXX and it does not even stop XXXX and all credit reporting companies putting inaccurate account balance in the credit reports and financially damaging me with lower XXXX XXXX. 

" From : XXXX Countys XXXX XXXX Date : On Thursday, XX/XX/XXXX at XXXX PM Subject : Your bill payment was delivered To : XXXX Dear XXXX XXXX, The following bill payment has been delivered : Payment Details Payee Name : XXXXt Student Loan Borrower Payee Acct # : XXXX Acct # : XXXX Amount : {$830.00} Send Date : XX/XX/XXXX Confirmation # : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whomever this may concern, my name is XXXX XXXX XXXX. I am writing this statement on my behalf to follow up on and delete the following information in my consumer reports. The items I am requesting removal from are all annotated in this FTC report. Per FCRA 15 USC Codes 1681i and 15 USC Code 1681g these accounts should not be reflected on my consumer report and violate my rights as a federally protected consumer. I am a victim of identity theft and did not apply nor provide permission for these listed accounts to be reported on my consumer reports. I am demanding immediate deletion and removal of the listed accounts.
Consumer complaint received 2024-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (CA)

Issue is with Huntington National Bank not forwarding my overpayment funds within 10 day service level. 

1. my account was paid off in full and closed first week in XXXX. 
2. XXXX XXXX sent check {$13000.00} end of XX/XX/XXXX. Huntington received on XXXX XXXX  and cashed on XXXX XXXX 4. I called Huntington on XX/XX/XXXX & XXXX verified above & would investigate. 
5. XX/XX/XXXX, supervisor stated XXXX would get back to me. Supervisor did confirm the standard service level for refund of overpayment is 10 business days! 
6. I sent XXXX email after XXXX on XX/XX/XXXX, since no update. 
7. Finally on XX/XX/XXXX, received email from XXXX stating still working on refund. Also working on GAP refund with dealership. 
Replied with a thank you. 
8. XX/XX/XXXX requested update but no response as of this email. 
9. Accident happened on XX/XX/XXXX, and XXXX took till XX/XX/XXXX to approve to pay off loan. 
10. I am paying 22 % interest on credit card for expenses from accident. Interest on {$13000.00} is adding up. I am not getting reimbursed for that. Also I am retired on fixed income. 
11. I would like for the {$13000.00} monies be released immediately and I wait for GAP to complete processing. ( XXXX XXXX was CC so they may help expedite any GAP processing on their end- thanks ).
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX BalanceOwed : {$7900.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX Balance Owed : {$330.00} ; XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CO)

I requested multiple times for my dispute/claim to be reopened as they continue to close it, they said that it is going to take another 90 calendar days to investigate my case despite it being closed in my favor and refunded to the bank Chime by XXXX. 

I opened a case to dispute a fraudulent transaction with a merchant that did not provide service or product. I filed with Chime to XXXX and a dispute/claim was opened, for months now i've been going back and forth and XXXX has informed me they refunded the money to Chime, but Chime continues to tell me that i need to wait for another 90 calendar days when they close and reopen my dispute nonstop. I have screenshots with XXXX stating that they have refunded the transaction and that my Bank should have sent me the funds. Chime states they need more time to investigate again and has not sent me the funds, they told me the latest update on this case i could get is for XX/XX/XXXX since the claim was reopened after another denial from Chime. 

The transaction was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most of the communication with Chime is by phone only as i can not chat with an agent via app.
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

On XX/XX/year>, a family member purchased a XXXX gift card at a XXXX and gave it to me for the value of {$200.00}. I registered this card on the website on the back of the card on XX/XX/XXXX, and when I went to make the first purchase a few days later, it said there were not enough funds on the card to do so. When I checked the transaction history, it said that on XX/XX/XXXX, someone from Georgia had taken out the full {$200.00} value on the card. On XX/XX/XXXX, I called the customer service number on the back of the card and reported this fraudulent activity and requested information on how to dispute the transaction. I was sent a dispute application over email and filled it out, and it was accepted with the response time being given of XXXX days from acceptance. On XX/XX/XXXX, I reached out again via email to check on the status of the dispute, and recieved a reply on XX/XX/XXXX about it still being processed. Finally, on XX/XX/XXXX, I was given a final decision that there was not sufficient enough evidence to prove the fraudulent transaction and that I would not be recieving the money back or a new card.
Consumer complaint received 2024-06-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I attempted to use my Hilton Gift Cards at the XXXX  XXXX Hilton property. They state that they can be used worldwide at any location, but after several attempts the property said they were unable to take them, the machine declined them. I did confirm they all have balances.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX. 
I do not have a contract with this collection agency. 
By the provision of The Fair Credit Reporting Act, I demand that this collection be removed from my credit report. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this complaint. 
Please send an updated copy of my credit report to the above address. According to 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 the time and help in this matter.