davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

The following Hard Inquiries are NOT mine and i never gave permission or authorization to pull my credit : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete this address and any account associated with this address. 

XXXX XXXX XXXX This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX  This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 inquries XXXX XXXX XX/XX/2021 This is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC. (AZ)

Requested an HSA refund from my HSA account -- this to comply with Medicare Part A eligibility. I used the transaction history provided by their site to specify the amount of refund and provided them with the forms they requested ; I submitted these forms on XX/XX/XXXX. They sent checks with the wrong amounts that can't be reconciled with the transaction history they provided. I have not cashed these checks because I want the amounts corrected. Today is XX/XX/XXXX. I have contacted them several times about this and each time they tell me they need 3 to 5 business days to review and resolve. I never hear back. I have also sent a certified letter to their mailing address. I hold their checks and await their instructions, but no instructions are forthcoming. 

DOCUMENTS attached : Consumer Complaint Confirmation from the Federal Reserve -- XXXX XXXX -- XXXX of form submitted to bank XXXX -- XXXX of form submitted to bank HSA_OVER_Contributions -- EXCEL showin how I calculated amounts HSA Withdrawal Dispute -- WORD doc sent to back via registered mail Transaction-Export -- CVS file of my txns downloaded from their site HSA Transactions with errors marked EXCEL of above CVS file with errors marked. 


Optum Bank has received all these documents from me.
Consumer complaint received 2023-10-13
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. (AL)

This is my fourth 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 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-06
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. (AL)

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. also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
XXXX XXXX XXXX Account # XXXX Experian Account # XXXX 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 items 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
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. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2023-10-09
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. (OK)

I was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my accounts
Consumer complaint received 2020-04-06
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. (NC)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Consumer complaint received 2018-05-08
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: Associated Credit Services, Inc. (MA)

On XX/XX/2018, at XXXX XXXX, I placed an 8 minute call to Associated Credit Services ( ACS ) in XXXX, MA at ( XXXX ) XXXX regarding a debt collection that appeared on my credit report that morning. I had received no notification regarding the debt or the original creditor to that point, and was told by the ACS rep that it was a XXXX XXXX account ( and if I had any disputes, to contact them directly ). I contacted XXXX XXXX at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX. I was told by the customer service rep ( XXXX ) that I could pay XXXX XXXX directly over the phone. I asked whether the account could be pulled out out of collection first ( as it had only been placed for collection several days earlier ) and he said yes. I then proceeded to pay the entire amount allegedly owed by me with my debit card to ensure the collection would be resolved and removed from my credit report. I waited a couple days for the payment to clear, and several days more to see if my credit report updated. It did not. I then filed a dispute with all 3 credit bureaus, and received a response this morning showing that the collection account was updated to " Paid in full. '' I never paid Associated Credit Services -  ever. They did not have collection authority at the time I resolved the balance as XXXX XXXX had taken it out of collection and allowed me to pay in full directly to them. Had ACS exercised its due diligence in investigating disputes per the FCRA, it should have obtained the information from XXXX XXXX regarding the revocation of authority effective XX/XX/18. Without collection authority, ACS had no legal right to update the status of the collection upon receiving notice of the dispute. It should have been deleted entirely. I can prove legal damages as well as I was in the middle of refinancing my home when this issue arose and I have unable to continue with that process. As an XXXX I am prepared to challenge this violation in court if I must, as well as involve the Attorney General of the Commonwealth of Massachusetts and the XXXX if needed. I hope I do not need to take these steps.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-02-18
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. (TN)

In accordance with the Fair Credit Reporting act XXXX - XXXX MASTERCARD Account # 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 a account without my written instructions 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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is about the capital one data breach, class, action lawsuit. Ive had an account with them for several years and knew nothing about the class action lawsuit until I saw something saying that people gotten paid for their information been breached. I contacted them letting them know that I never received any information about the lawsuit and I was told that an email was sent in XX/XX/2022, and that it was too late for me to be added to the lawsuit. The representative could not provide the email address that the said email was sent to, and of course I have no email from Capital One saying anything about a class action lawsuit I was never told about the lawsuit. I was informed that it was too late and there was nothing that I could do because I missed the cut off date. This is unfair.
Consumer complaint received 2023-11-12
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (FL)

In accordance with the fair credit reporting act, this creditor, BMW FIN SVC has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NY)

Hi I have two disputes becuase XXXX XXXX  account was hacked and it hit my bank account. I did not get no alerts from my bank or XXXX XXXX  for the XXXX weeks this happened. 
Claim # XXXX XXXX and Claim # XXXX they closed said the got information saying i made charges. The police report XXXX for both these disputes. I told my bank they did nothing wrong other than they wont return the funds. I have the proof from a private investigator showing it was hacked. the people who received money i do not know. My card also was used in florida but luckily it declined cause they did not have right pin. but the same card was in my wallet so they cant say my account was not hacked. Also the people were sending messages threw XXXX XXXX With all this info my bank still refusing to refund my money.. I simply asking for your help becuase netspend makes us go threw alot to get a dispute going but than closes dispute and never notifies you or proves what info they got. They have no information XXXX XXXX already closed my account same day the disputes were filed and even agreeed with me my account was hacked. So netspend just doesnt want to do thier job. They want to be a big bank like XXXX  etc but doesnt want to treat thier customers right. They even block cards and u cant get anyone till XXXX  for help.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX put a hold on my chase acount and I had made my payments like my car and credit card before XXXX XXXX made there hold on my account and chase start to bounce the payments that I already made.. all off them but one the chase prime credit card .... now I'm on the red. All the payments are coming back.
Consumer complaint received 2018-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EDvantage LLC (FL)

I am a student in XXXX FL campus of XXXX XXXXXXXX College, I am not in XXXX FL campus. 
My course is over as of XX/XX/XXXX. 
I have not found job in the field yet. 

I was told I will get 6 months time after completion of course and than my installment payments will start, for student loan. 

But I started getting collection calls from XX/XX/XXXX. 

And I must have got 50 calls. 


I made payments up to XX/XX/XXXX ( I paid {$75.00} every month, from XX/XX/XXXX till XX/XX/XXXX ). 

XX/XX/XXXX till XX/XX/XXXX I paid {$20.00} a month. In XXXX I started getting collection calls so I stopped paying. 
College has given me XXXX balance statement, that I owe nothing, which I emailed to Tuition Options, but again I still keep getting collection calls. 

There is some thing very fishy, I emailed to president of college too. 

The person in charge of student finance Mr XXXX is the main cause of these problems. he has left the XXXXC.
Consumer complaint received 2023-10-13
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. (OR)

My TransUnion credit report shows multiple inquiries of my credit report being made monthly by XXXX ( XXXX inquiries to date in the last year ). I have no idea who this company is or why they are repeatedly accessing my credit report.