davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-08
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. (NJ)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXXXXXX
Consumer complaint received 2023-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.
Consumer complaint received 2024-04-24
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. (PA)

The information attached to this complaint is identified as identity theft and is not relatable to any transactions made by me. I am a victim of identity theft and did not make these charges I am requesting you block and delete the information my request is not made in error nor is my request is a result of misrepresentation.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NC)

My name is XXXX XXXX. XXXX and I live in XXXX North Carolina. On the XXXX of XX/XX/2023 I sent a mobile check deposit to XXXX XXXX in Connecticut the amount was for XXXX the check was from a settlement I was awarded from a suit I won but I am not able to say who the check was sent by due to the agreement that was part of the suit the check was from New York the account was from KeyBank which is a owner of XXXX. On the XXXX of XX/XX/2023 the bank placed my funds in my brand new savings account but when I went to withdraw some of my funds the bank would not let me and said the account was under review. I called numerous times trying to figure out what was the problem and on the XXXX of XX/XX/2023 I talked to someone on a recorded line that said that XXXX XXXX would allow me XXXX to be wired by XXXXXXXX XXXX  to an external account that I had linked to my XXXX savings account on the XXXX of XX/XX/2023. When I called to see why the funds were not wired to me I was told that they were now not going to wire me the XXXX that whoever it was I talked to should of never told me that this also on a recorded line that the bank has. So on the XXXX of XX/XX/2023 I tried to wire myself some of my money that is in my savings account and I was denied and XXXX locked m out of my account not froze my account just locked me out so I could not use their website or app. I called XXXX several times today, XXXX of XX/XX/2023 and they needed proof of address and a copy of my driver 's licenses which I sent to them immediately and called the bank to make sure they received the documents they asked for why didn't they want those documents before even opening my account I'm not sure but it seems that if they needed them that bad they should of asked before even opening my account and accepting my check. I finally told them I wanted to close my account and they could wire me my money by XXXX of the external accounts linked to my XXXX savings account and they told me no that I was locked out of my account because it was under review and until they seen fit they were not going to close my account or give me access to my funds which again is XXXX. I hope someone can help me out here how can they just hold my money and tell me I can not close my account? Thank you for your help in this matter
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX. I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Deatrick & Spies PSC (KY)

In XXXX we bought an old car for {$3000.00} I think. It broke 3 days later and we told them to take it. It is now XXXX we have never been served any papers and they started guarnishing my check. The loan is XXXX XXXX XXXX and they are charging {$5100.00} and I never even received paperwork on anything. They say in XXXX they got a judgement and sold it to Kentucky this year. Can they just add {$2000.00} and trade from state to state to get payment for a car that was old when it was bought 15 years ago? I wasn't served or even received a letter to defend it. Then they told me my wife owes an account too. I know it's not legal to give out people names and debts to other people
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (PA)

TARGET RED CARD, is in violation of multiple laws set forth by Congress in regards to the following account # ending in XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( TARGET RED CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( TARGET RED CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. TARGET RED CARD, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from TARGET RED CARD for the cancelled debt of { { {$780.00} } } in order to file as ordinary income. Where is my 1099-C? TARGET RED CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! TARGET RED CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In TARGET RED CARD terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of TARGET RED CARD nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NC)

JEFFERSON CAPITAL SYSTEM has furnished data to XXXX and XXXX that violate my consumer rights. This action was done without my authorization per 15 U.S. Code 6802. Also the data being furnished is appearing as a charge off which is considered a certificate of indebtedness. Income can not be reported on a consumer report per 15 U.S. Code 1681.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

I opted for overdraft protection with my financial institution Regions Bank, and elected to use my savings account as backup in the event of overdraft. Now I have my payroll check direct deposited so they are assured funds will be coming to them. However, it keeps happening where they are charging me a fee of {$36.00} for each transaction, which are mostly for lesser amounts than their fee. And just recently I was charged a whomping {$100.00} on the same day my deposit landed. I have tried speaking with the bank about this issue because its costing me an excessive amount of extra money that I just don't have to give away. I implore someone to help me with resolving this matter and helping me with avoiding the loss of so much money by means of what I feel is a very unfair practice.
Consumer complaint received 2024-04-23
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. (WA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-02
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. (CA)

I do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. Thank you
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MO)

In accordance with the Fair Credit Reporting Act, this creditor TD Bank, has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B. A creditor may not treat a payment on a credit card under an open-end consumer loan as late for any purpose.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (NE)

Sent a dispute letter to Revco on XX/XX/XXXX. It arrived at the company XXXX XXXX XXXX XX/XX/XXXX. This company should have received this letter and they are supposed to stop trying to collect until they send me information that shows the debt is owed. A phone call was made on Monday XX/XX/XXXX seeking to speak with XXXX XXXX. This company has not ceased collection after receiving a dispute letter.
Consumer complaint received 2024-04-23
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. (PR)

In accordance with the fair credit reporting act the following accounts, has violated my rights. 

XXXX XXXX XX/XX/2023 XXXX Bank XX/XX/2023 XXXX XXXX authorized this 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.

Additional I don't want received promotional offer of any financial department. 
Please delected this promotional inquiries please.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my XXXX XXXX card accounts.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

I'm very concerned about my credit. I joined Experian Credit Report Protection for {$24.00} a month after an identity fraud on my XXXX XXXX  at XXXX XXXX in 2018 and I always keep my XXXX Credit Agencies Credit Reports Locked and Frozen. Unfortunately, Experian opened up a digital checking account and debit card in my name without my permission ; I discovered this after I started receiving statements and notices to set my PIN on this debit cardand checking account. This is very similar to what XXXX XXXX did to their customers. I have deleted both from the Experian Website and I filed a complaint with XXXX XXXX, the card I use to pay the monthly {$24.00} for Experian 's credit protection services. XXXX XXXX denined this complaint as I was trying to get my {$24.00} back. The CFPB is the only way I found to find a complaint against Experian for this type of fraud against me while paying a monthly service. This is unfair and it should be a crime! Please contact me at XXXX or XXXX to get more information about my complaint against Experian.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MI)

This complaint is in regards to XXXX XXXX account # XXXX open XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation since this item is being negativity reported
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Omega RMS, LLC (CA)

I requested that RMS OMEGA send me a copy of there bond proving there allowed to collect a debt in my state. As well as method of verification and verification of this account. I spoke to multiple representatives who tried to use deceptive tactics into falsely verifying this accounts and they provided no method of verification or any documentation that was requested pursuant to fcra or usc, ucc laws
Consumer complaint received 2022-12-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc. (IN)

Made a purchase using afterpay on XXXX... Purchase was cancelled from merchant XXXX saying they could not process payment .. contacted afterpay and they are giving me a complete run around to refund my first payment ... Saying I still need to make my other payments for product I did not receive... Sent them proof of cancellation and so on of proof and they r telling me merchant hasn't confirmed cancellation in which is a lie because I sent them proof that merchant in fact did notify them ... Purchase was almost for XXXX $ and payments are XXXX $ every two weeks with first down payment already taken from account..
Consumer complaint received 2024-04-23
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-09-03
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. (KY)

Transunion credit report company has been violating my consumer rights under federal laws. Transunion add a Collection account on my credit report on XXXX XXXX, and this collection shows as Open on XX/XX/XXXX, they added on XXXX, XXXX. After that they closed this collection account as Closed Status, on XXXX XXXX and XXXX more time was changed to Open Status, for them without my consent on XXXX XXXX, even the creditor name is incorrect and as federal laws requires any inaccurate information has need to be removed from my credit report and they refusing all the time, this is illegal, creditor name is XXXX XXXX and Transunion shows as XXXX XXXX XXXX, information is not accurate also the add this collection account on my report on XXXX XXXX and collection is supposed to be added on XX/XX/XXXX, they added 2 years later, this is illegal, and they do this without mi consent
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC (SC)

This is not my account, and I did ask for a validation and they never sent me one and I never had a account with this company and it is still reporting on my credit report. I will refer to the 15 u.s.c law 1681 this is not fair nor accurate and for XXXX after reviewing it on my credit they never evaluated my credit worthiness. It is reporting to my XXXX and XXXX credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.