davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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)

I looked on my credit report and I seen that XXXX XXXX XXXX  ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there!

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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Consumer complaint received 2023-12-02
Product: Credit 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: WELLS FARGO & COMPANY (OH)

Wells Fargo refused to resolve my dispute with the vendor, this vendor had overcharged me XXXX in the past for dental work and Wells Fargo disputed the charge and return my money, however I was recently charged more than what I signed for on the receipt and this time Wells Fargo has sided with the vendor even though Wells Fargo have my receipts. 
The credit card statement shows that more money was charged than what was noted on the receipt. The charge was XXXX on XXXX, but the credit card statement shows XXXX which is a difference of XXXX  Also on XXXX for another dental procedure at the same office I was charged XXXX but the statement say XXXX a difference of XXXX. 
Thanks for your help.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AE)

I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I opened an an account in Truist Bank on XX/XX/XXXX and deposited XXXX checks electronically, XXXX in the amount of {$1900.00} and the other in the amount of {$3900.00}. 

A week later I received a notice from Truist Bank that they suspect the checks are fraudulent and account is being closed. They gave me no information about why they suspected fraud. I requested that they send me a letter explaining why they suspect fraud. They promised they would send q letter but I received no letter. 

Truist told me I would have to get a notarized letter from my employer stating that the funds were intended for me, and a statement from the manager of the issuing bank to show that the check cleared. I was not sure I understood these instructions clearly so I asked truist to send me these instructions in writing. They told me a letter was issued on XX/XX/XXXX. I waited but received no letter either by email or post. 

I contacted my employer who issued the checks and was told that the checks cleared on his end. He gave me a printout showing the checks had cleared. I contacted XXXX bank ( the bank the funds cleared from ) to ask for a letter but they told me they don't write such letters and had no idea what I was talking about. Since truist had not sent me the documentation I requested I was unable to clarify with XXXX bank the information I needed. 

I received a bank statement from truist showing the XXXX deposits totaling {$5900.00} but the funds were still unavailable I called Truist again to ask about why my funds are still on hold. I was kept on hold for nearly a hour and was told they had no information for me other than they suspect fraud. I again asked for all this information in writing which I still have not received. 

On XXXX I received q letter that my account was closed and the funds are in an escrow account. 

It is now 2 months since I opened the account, I have no access to the funds and no clear account from Truist about why they are withholding the money
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

15 USC 1692 C ( C ) Tat law clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Acct : XXXX XXXX
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NJ)

I have an account with Robinhood. On XX/XX/2023, I wanted to transfer my XXXX  from Robinhood to my wallet outside of Robinhood. I went through Robinhood 's verification process. I received an email stating that I could now send and receive crypto. I went into Robinhood and logged in. Then they asked for my authorization code which I have on my XXXX XXXX. I pulled up XXXX and started to transfer XXXX to my wallet. I received a pop-up that said I could not take the whole amount. I adjusted the amount to XXXX and it went through as okay. Then I clicked the send button and Robinhood automatically restricted my account. I can not do anything with it as though they are holding my crypto hostage. I then proceeded contacting their chat. XXXX from Robinhood told me there was nothing he could do that it had to go to the Restricted Team. The only way to reach them was to request a call back. I waited all day yesterday and no call. This morning at XXXX AM, I received a call. After going through verification I was told she was from the Brokerage Team and I needed to speak to someone in the XXXX  XXXX. She told me that she would transfer me that there was no one before me. I was transferred. After waiting XXXX minutes, I was disconnected. I then again went on line and requested a call back again. I received a call back at XXXX AM. I was verified again and I explained the problem. I was told again that she could not help me that I had to speak to the Restricted Team. Again, she had to transfer me. When someone from the Restricted Team picked up, I again was verified. I explained the situation and I was told there was nothing she could do that my account was going through a review and that someone would get back to me. I told her that I felt as though there was some type of fraud going on that I have a right to my XXXX and that I was going to file a complaint. She said she would inform the reviewers and maybe they would put a rush on it. She also said that they were protecting me. I said... no... Robinhood is protecting themselves.
Consumer complaint received 2023-04-17
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. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : SPRINT ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (PA)

XXXX XXXX XXXX XXXX ( XXXX XXXX ) threatened to sue me for a very old debt. So signed an agreement to pay old debt, I believe in XXXX. Monthly payments were taken out of XXXX  account up and until XX/XX/XXXX. Not sure why they stopped, we tried to contact them once we noticed payments had stopped coming out. Never heard back. 
Now XXXX almost 5 years, they have sent me a letter stating that I need to appear for an oral deposition on XX/XX/XXXX. 
They have basically requested all of my 1099s, Tax returns, pay stubs, leases, vehichle titles, stock certs, trusts of which I am beneficiary and bank statements. 
I don't have the original contract signed and they are not willing to provide me with a copy. Nor will they tell me when this contract was originally signed. They are refusing to provide me with any information at all.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Driveway Finance Corporation (AL)

in accordance with the Fair Credit Reporting Act Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't and never ever sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-11-25
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: MIDFIRST BANK (TX)

My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX   but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX  to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX   and discontinued the call.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/, I bought appliances at Lowes in XXXX XXXX worth almost {$5000.00}. I was told by the cashier that if I opened a credit card I was going to get 20 % off plus a discount for the new card. 
After I spent almost 2 hours picking appliances and applying for a new credit card i was ready to check out, but Lowe 's give me only {$100.00} discount. I asked to talk to the manager and I talked to her, too. but they are all trained to twist the words of their offer, which was sent to my e-mail. 
I filed a complaint with XXXX, and Lowe 's offered a {$50.00} gift card? 
THEY CHECKED MY CREDIT SCORE AND MADE ME OPEN A NEW CREDIT CARD ON FALSE PROMISE, very sad.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Credit Services Inc. (MD)

IMPROPER USE OR CREDIT INQUIRIES UnAUTHORIZED INQUIRES IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING COLLECTIONS
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (MI)

I applied for a XXXX $ personal loan and the interest rate changed to 23 % after i agreed to the loan. the information sent prior to agreement was a lower interest rate than I am now responsible for. I attempted to get information and the customer service sent me to applications to obtain a larger loan. I have received mailings asking me to apply for a larger loan from discover. I attempted to negotiate at reasonable pay off amount XXXX $ of XXXX $ and was denied with continued attempts to have me give them auth to schedule autopay and update my banking info. I believe this loan practice is predatory and there is no attempt to assist me as a customer. the current loan has collected XXXX $ interest over one year. I have made on time payments for a year and only XXXX $ has been taken off my principle.
Consumer complaint received 2024-04-17
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX AND TRANSUNION credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (WI)

the debt collector engaged in abusive, deceptive and unfair practices of the FDCPA, which is prohibited. They furnished this account that we did not argee upon and i didnt sign an agreement on. A legal contract is signed by two parties ana I did not participate in any of it. More so they did not follow the proper 5 step validation procedures which makes this unfair. In addition, they did not have prior consent to communicate with me. The debt collector can not rely on consent given to a previous creditor or debt collectior to communicate with me. According to the FDCPA i am entitled to {$1000.00} dollars per violation and clearly they violated my rights
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (WI)

Received XXXX debt collection statements in the US mail for services without dates or any other information. The amounts did not match anything I received services for with my healthcare providers. The healthcare system did have an identity breach within the past few months. I contacted my healthcare system and they do not send anything to debt collection or show anything on my account as due and owing.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX