davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been targeted by friends and family because of an inheritance and they hacked my phone and got pics of my id and social that I sent for a job. They have opened accounts in my name that I knew nothing about until XX/XX/. I can't see the company on my credit report to even contact them.
Consumer complaint received 2023-09-20
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (OH)

I had money withheld from me yesterday ( XXXX ). I was given a letter to call the Atty generals office. I called the office. The person I spoke to said their office was not handeling that debt but she was able to see it. I explained to her that I was confused becuase I was never sent a letter for this debt. She said it was just received on XX/XX/year>. She gave me the information for Reliant Capital Solutions and she advised to call them. 
I called Reliant Capital Solutions. I explained that I did not understand why they would withhold funds coming to me when I have never received a letter of notification or to despute. I explained that the Atty Generals office stated it was just received XXXX. Per the Atty Generals office, I should have been notified by mail of the debt. 
I was told by the person I was speaking to that he was not in charge of this account and would transfer me to the person handeling the account but he was gone for the day. 
I explain that I did not understand how I was never notified or was never able to dispute but money is being held. The man said there was a note in the system that I was left messages. When he told me the phone number, I had never heard of it before. He also said I was sent an email on XXXX ( which I never received ). When I asked him to verify the email, I was told it was a note and it was not listed. 
So, Basically, they just received this student loan debt in the last 30 days, never contacted me by mail for validation or disbute, and illegally held funds.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
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: EQUIFAX, INC. (SC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-02-15
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: General Motors Financial Company, Inc. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reached out to TransUnion to delete unauthorized hard credit inquiries from my report. I was instructed to submit an FTC report and I was directed to the CFPB. 

I have XXXX ( XXXX ) unauthorized hard inquiries to my TransUnion credit report that I did not authorize and will need to have removed. 

These hard inquiries are inaccurate and were not made by me. The following inquiries are : XXXX XXXX  requested on XX/XX/2023 XXXX CARD SERVICES requested on XX/XX/202XXXX XXXX XXXX XXXX requested on XX/XX/2023 I have already reached out to XXXX and XXXX who have removed these inquiries as being fraudulent and would like these inquiries deleted.
Consumer complaint received 2023-05-05
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: 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. 

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 an 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 2023-05-24
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: EQUIFAX, INC. (CA)

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 : 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
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc. (MI)

After speaking with legal services, I was made aware that I assumed the debt and acknowledged that it's mine. I have not been provided with any bill, invoice, or hard documentation to show the amount that is due. From the numbers I was given by XXXX. I supposedly agreed to over $ XXXX gym membership. I am more than confident the number on that contract is closer to $ XXXX. That is with consideration to the late fees included. I was told that a copy of my contract has been requested. Im willing to pay what I owe and chalk this up as a life lesson in being too nice. But I'm only going by what I'm being told. I would like to see a bill/invoice that shows how a {$20.00} something a month, 2 year gym membership, turns into {$3500.00} after only $ XXXX XXXX in fees. I acknowledge the debt was sold to you for a cheaper amount. In XXXX last email. She mentioned contractS. I only signed one contract. My number, with late fees included at $ XXXX for a two year gym contract comes out to around {$1000.00} total. Not {$3500.00} or the {$2700.00} that I'm currently being asked to pay. I'm willing to pay what I owe. But I'm having a hard time understanding how the number more than doubled like this.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (AZ)

On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Someone use my bank account and sent out {$5000.00} by XXXX XXXX through about 30 transactions. But i was in sleep at that time. Chase declined my claim and they said it was approved by face ID. So i guess it might be someone hacked my phone or pc If What chase said is true. i try to fix it with chase, chase asked me talk to XXXX due to it was authorized by face id. And XXXX pushed me back to chase bank. the local police department refuse to help me and they dont care about this case. I have never send out multiple transactions and use all of my XXXX limit.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (GA)

I am disputing the presence of fraudulent accounts on my credit report, as they do not belong to me and I have no knowledge of their existence. I am invoking my rights under USC 1681g and requesting that these accounts be removed from my credit report within 15 days.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( all information Ive found about this merchant is that its a scam ) allowed fraudulent transactions to be posted on their card batches. I filed a fraud claim with my bank, Fifth Third, for those two transactions and a third transaction that was already stopped by the merchant for being fraudulent and is no longer part of the fraud investigation by Fifth Third.
Consumer complaint received 2023-04-25
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. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (MO)

My complaint is that the credit reporting agencies are breaking the law. By not excluding negative information, and transaction history. These are excluded according to Law. My complaints, against XXXX, Equifax, XXXX.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Ive already talked to Rooms 2 Go for years about this credit card that my son opened with my name and used without my permission due to injuries sustained while in the serving in the military I was left unable to take care of myself and was at the mercy of my family who multiple people opened account in my name without my permission. XXXX XXXX threatened to sue me even though they were aware of all of this information and even misrepresented themselves as another card company in attempts to get money from me. They have messed up my credit even more and made it very difficult for me in my pursuit of happiness. I currently suffer from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only has this unjustified action against me wronged me on so many factors but Rooms 2 Go is literally agitating my already severe ailments.
Consumer complaint received 2024-04-14
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. (OH)

I recently obtained a recent copy of my credit report and noticed that all three credit bureaus are reporting different information. I also noticed some inaccuracy I am asking transunion to investigate XXXX account # XXXX as this is hurting my credit score and affecting my credit
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (FL)

PayPay uses XXXX XXXX for payment services. I was an auto pay. Since XX/XX/2023 PayPal claims my payments is being reversed by my bank XXXX I checked with my bank and payments are going through. Furthermore I was on a special plan to pay for items purchased and those were going through. XXXX explained that as ACH transactions it should have gone through on date of transaction XXXX day of month ) transactions were not. I am being charged {$41.00} dollars in late fees, interest daily, {$10.00} to pay by phone ( never disclosed ) my account is now over {$200.00} more than what it was in XXXX. Today XX/XX/2023 a charge for XXXX appeared - I didnt use XXXX. I think this is usery. They closed my account ( they did this the last time I complained BTW ) and it affected my credit.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX  XXXX XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (MA)

Western Union sent me a promotion offering {$20.00} for making a transfer. The promotion did state that the number of {$20.00} awards was limited. Several months after I made the transfer, the {$20.00} still had not arrived. I called WU several times, and each time I was given false statements and other speculations. One time I was told that the promotion was not for existing customers, and another time I was told that my promotional email was fake. After I pressed further, the reps admitted that what they initially said was not true, and promised to fix the issue. Another time I was told that all the available promotions had already been given away. This appeared to me to be a random speculation just to end the phone call. I asked on what date the {$20.00} promotions had been used up, and the rep refused to tell me, but promised that someone would call back to tell me. ( No one has. ) I only made the transfer with WU because of this promotion, and WU seems determined to not honor it.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OR)

I tried to call Mohela XXXX  XX/XX/2023 as they have the incorrect payment amount for my student loan. My payment is {$370.00} more than what it should be. My interest on the loans is also going up at the incorrect rate and my subsidy should be covering my interest but Mohela has all of my information incorrect. When I called Mohela I was on hold for 1 hour and 47 minutes before they hung up on me. I have not been able to talk to a live representative whatsoever about this issue. Wait times have been XXXX minutes long everyday and they keep hanging up before even taking a call.
Consumer complaint received 2023-10-23
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Acct * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.