davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST HAWAIIAN, INC. (CA)

On Friday, XX/XX/XXXX my wife and I spoke on the phone with a First Hawaiian Bank banker ( XXXX XXXX XXXX at the XXXX, XXXX branch to setup a payment for the current and past due amount of {$630.00} using her FHB personal checking debit card. The payment he processed was only {$280.00}, leaving us a balance due of {$350.00} for XX/XX/XXXX. Basically, FHB personnel is not allowi g us to make a debut card payment online or over the phone. The car is in my name. Due to the XXXX lockdowns my wife lost her job in XXXX and we moved to California to find employment in XX/XX/XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX Bank- ( XXXX ) : identity theft Discover Bank- ( XXXX ) : Identity Theft XXXX Federal Credit Union- XXXX XX/XX/XXXX XXXX XXXX theft Regions Bank- ( XXXX ) XXXX XX/XX/XXXX : Identity Theft Regions Bank- ( XXXX ) ( XX/XX/XXXX ) : Identity Theft XXXX SAVINGS Bank- ( XXXX ) : XXXX Thef INQUIRIES : Capital XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Coastal Frederal Cred, XX/XX/XXXX
Consumer complaint received 2024-03-21
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. (TN)

Attempted to apply for a vehicle a few weeks ago when the salesperson told me that my credit score was XXXX and I would have to put down a deposit. I knew this wasn't right because I've always been in the XXXX 's. Well, come to find out, someone had stolen my information from a online store I used to shop with. Long story short, I went to the FTC for help and they gave it to me.
Consumer complaint received 2023-05-08
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. (AR)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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. 

can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-21
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. (FL)

I am a victim of identity theft. I have reported this information to the credit bureaus already, as well as to the FTC but they have never answered me at all. The information in the reports attached to this complaint are fraudulent and were not opened by me, as the consumer. Please assist me in this important matter.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (GA)

I ordered 2 pair of shoes from XXXX last month both pair of shoes was supposed to be delivered a day apart one pair on XXXX and other on XXXX so on the first day I got notification that my shoes was delivered however I never gotten them so I looked at my XXXX footage and seen that they was delivered to wrong address so I contacted XXXX first whom wasnt any help then XXXX the company who delivered them I was told give it to end of business day and see if its delivered because sometimes they mark packages as delivered and havent been. However I also told them I see it was delivered to a different address still no help so I mentioned that the next day I have another delivery from same shipper and can they make note or let dried know to pay attention to address because of delivery error. However next day same thing so I called again was given sane information and told to file a dispute through XXXX in two days XXXX denied claim telling me to contact XXXX I then contacted XXXX I provided pictures and video footage of this guy delivering my pages to wrong address. They told me to dispute it through my bank however I did do that as well and I provided Chime financial with video and photos the denied my claim I asked for a denial reason when nobody contacted me for proof I provided what o had on my own they never stated if they received it or contacted me to ask anything but denied my disputes and wont provide a reason I also filed rebuttals and havent heard anything. How can I provide proof of pics and video of whats happening and still be denied I couldnt go outside to get or check for packages I had just been released from hospital after having XXXX XXXXXXXX on XXXX and XXXX XXXX XXXX Im home alone during the day my husband went and asked neighbors after getting home in evening and they denied seeing packages. Why was my dispute denied, why wasnt a provisional credit ever issued, why nobody ever contacted me on it and why wasnt I given a response for denial?
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

I sent a debt validation letter on XXXX  through certified mail. I have not received a response yet they are still reporting the debt.. They called me years ago claiming I owed this debt at which time I denied the debt. I am going through my credit report to find this debt listed so I sent a validation letter. I don't believe I owe this debt hence wanting to get validation of it. They have failed to respond to my request per their obligation under the Fair Credit Reporting Act
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Buckles & Buckles, P.L.C. (MI)

I owe money for my XXXX XXXX i couldnt pay the bill because I lost my job. I finally get a job and I got a new bill in the mail from XXXX I called XXXX  to make my payment, I was planning on paying it off, when I called XXXX I was told to call this collection agent because XXXX  cant accept payments from me. 
I called the collection agent, Buckle & Buckle, to make my payment and the collection agent told me I cant pay bill with them either because they got my file a week ago and have to do a few things to it before I pay it. I dont know what things they had to do. The collection agents name was XXXX, he said he was going to call me back to make the payment and he never called me back and when I call them back no one answers the phone. 
How and I suppose to pay my bill when theyre not answering or letting me pay it?
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Loan for {$3400.00} XX/XX/XXXX. Agreed to pay XXXX bi weekly to pay it off. I called the the company XX/XX/XXXX ( 8 mos later ) to see how much I had left to pay on it.

The net credit rep said you have only paid {$

120.00} towards the loan balance. I thought this cant be mathematically correct. {$170.00} x 9 = {$1600.00} After giving them {$1600.00}, they have only applied {$120.00} towards the principal and my balance as of today is now {$3100.00}. ( Year later ) The rep said only {$5.00} - {$7.00} out of {$89.00} goes to the principal. That was how it was explained initially ibecause the first payment I made {$35.00} was applied to the principal then each payment thereafter dropped to {$5.00} dollars per payment. This is a scam and was meant to deceive. 

Please help me! 
Thank you XXXX XXXX
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$1000.00}
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please 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 2023-05-01
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
15 U.S.C 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 2023-05-08
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. (NY)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nations Info Corp (MI)

I received a credit card charge yesterday for {$1.00} for something I did not sign up for. Following the charge on XXXX, I was led to " Your Score and More ''. After 15 minutes, the service line ( that I had to dig for a long time to find, as the one on the website is clearly fake ) finally answered and it sounded like someone was loudly watching football. Preprepared script attempting to upsell and wouldn't take no for an answer until I said I was going to report them.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please 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 2023-05-08
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. (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 2024-03-21
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

This company is reporting I owe them XXXX dollars, which is a lie. I moved out of these apartments with good standards, and they kept my XXXX dollar deposit. I put in a XXXX notice to let them know I would be moving out on XX/XX/2020, when my lease will be up. I left the apartment in good shape. I also contacted the collection agency to ask about the collection they told me I owe them I must pay them. Are they going to take me to court don't remember me having a contract with this company. I also asked them to provide information stating that I owe them money and have never gotten anything.
Consumer complaint received 2018-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX, credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX  / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX .I have not informed or recalled of any association with these company. I have contacted XXXX XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2018-07-22
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. (NV)

Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (IL)

This morning I was contacted ( via phone call ) by a debt collector concerning a claim that a debt was owed to XXXX XXXX XXXX, XXXX XXXX, La. The debt collector said they attempted to provide a notice of validation at the last known address. The address that the notice was sent to was not a correct address and the forwarding address had expired. I requested that the debt collector send the notice of validation to my correct address and they informed me that they don't send a second notice. This seems to be in violation of my rights as a consumer as I have not received notice of my right to validate or challenge the debt. I request that XXXX XXXX send me a notice of validation at the address that I provided to their debt collector today so that I may exercise my rights as a consumer. XXXX XXXX also added charges to the debt that were not due to them.
Consumer complaint received 2023-05-08
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. (TX)

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 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

Just noticed that my credit card statements from my REI card through USBank does not have the minimum payment warnings anywhere on the five pages that I get every month. Isn't this against the Credit CART Act of 2009? 

Thanks,