davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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. (SC)

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX. XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish a 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 related 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 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

On XX/XX/XXXX of 2022 I was put into a hospital for XXXX XXXX XXXX  and so was my husband during the time that we were in the hospital there was XXXX and a {$500.00} deposit deposited into my chime banking account when I got out of the hospital the bank said that they didn't know where the funds were that as far as they knew I received them but if I put in paperwork showing that I was in the hospital at the time that the funds were spent that they would replace them because I had insurance through my card holder agreement then when I put in my paperwork from the hospital showing that I was in the hospital all the sudden they didn't want to speak to me anymore they didn't want to answer any more questions for me and because I don't have an account open with them because they closed my account and I don't even know why they won't give me any interest to anything and I need that money because I lost my home in the XXXX  floods in XXXX Kentucky and I need a place to live you know.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Take a look at the attached documents. I want the bureau to begin an investigation into these accounts, as I am never late, but they are reporting inaccuracies.
Consumer complaint received 2024-01-09
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. (IL)

This account is being disputed And should be removed immediately. I did not authorize, nor sign any documents, agree to any disclosure this is a illegal matter ( evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors, ( 15 U.S.C. 1692 ) Congress enacted the Fair Debt Collection Practices Act ( FDCPA ) in 1978, codified PLEASE DELETE IMMEDIATELY LEGAL ACTION BY THE CONSUMER WILL TAKE PLACE
Consumer complaint received 2024-01-09
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. (NY)

XXXX XXXX XXXX XXXX This is completely inaccurate. 

XXXXXXXX XXXX XXXX XXXX AND XXXX This is not mine XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXX XXXX I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXX XXXX XXXXXXXX This Information is IncorrecXXXX XXXX XXXX XXXXXXXX This is not mine INQUIRIES XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-04-19
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. (VA)

me and my wife purchased this time share at XXXX XXXX on XXXX XXXX we never used the timeshare this company lied about the prices we would have to pay didnt tell us about none of these extra fees we cant afford this timeshare its never days avaiable to use time share they also didnt tell us we had 7 days to cancel they pressure us into buying a timeshare we are in the process of hiring a lawyer to sue this company
Consumer complaint received 2024-01-09
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. (MI)

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.

has violated my rights. Or a list of 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 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 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX set up bill pay with XXXX XXXX for my mortgage at Santander.  Apparently the payment was sent to Santander Consumer division XXXX {$2200.00} was withdrawn from my XXXX checking for my mortgage payment XXXX received late notice from Santander I called XXXX and they told me they would send me proof of payment letter that I could forward on to Santander XXXX sent proof of pmt as instructed to XXXX Attn : Subject line was my mortgage # and attn : XXXX XXXX I got the fee reversed and made my XXXX pmt so I wouldn't be reported to the credit bureau XXXX I called XXXX XXXX spoke with XXXX, transfered me to a supervisor XXXX - response they are working on it should have an answer on XXXX XXXX I ask for another proof of payment for my files from XXXX XXXX called and was told they don't have it and the XXXX XXXX XXXX was mailed to is not theirs and they suggested I put a stop on the check. I explained to them it was an ACH pmt and XXXX  provided them with the reference # and proof of payment. They told me to call XXXX bank XXXX Bank XXXX called XXXX I was on the phone 2 1/2 hours. I asked if he could work on it and call me back but he said they can not may outgoing calls and as soon as I were to hang up he would be on a new call. At first it sounded like they are going to help but the end result is in 3 - 5 days you'll have an answer - NO answer NO money XXXX called again and spoke with someone in the Tech Dept for 45 minutes and it sounded like I was going to be all set. They were going to have their bill pay provider XXXX call Santander and get it resolved and I should see the money in 3 - 5 business days XXXX I called again and spoke with Tech Dept again because they told me to call via a secure message in my online banking. I had to start my story all over from the beginning. It seems that No one individual can help. They got XXXX on the line and conferenced me in with Santander consumer loan division, which is apparently where my payment went. Again No help. XXXX called me back and conferenced in Santander but they would not talk on a recorded line. So someone special had to call me from XXXX on a non recorded line we call XXXX at XXXX ( the number I was calling for 3 months. It was decided that XXXX would send yet another proof of payment and said again you'll be all set in 3 -5 business daysl
Consumer complaint received 2024-01-09
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. (OH)

I have previously requested that these items be removed from my credit report but they keep refusing the items are listed below : The credit bureau also requested again verification of my address and valid Id of who I am so I am providing that They continue to violate the fair credit reporting act -1. all fraud alerts or credit freezes - 2. XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX - 3. XXXX XXXX / acct # XXXX - address- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXXXXXX. This account has violated my rights according to FCRA rules and regulations. A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Consumer complaint received 2024-04-28
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. (TX)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report and trying to see where in the process will I be for buying a house and I saw a lot of items that are not mine. I called all creditors and tried to get information and some I told them that these accounts are invalid due to fraud but they still did nothing and some I was unable to speak with. I am a victim of identity theft and have been since XXXX of XXXX. Someone gained my information due to me losing my purse and they took all my information such as ID Credit cards and Social. I have been trying to get this back right, but I have run out of options.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I observed that I had a debt from a company Ive never used before in XX/XX/XXXX, for {$490.00} with XXXX XXXX. I called the company on XX/XX/XXXX and they told me that my name was used for an account but it had a different email on file than the one I gave them to check for an account. I have never lived or heard of the residence that this electric company has on file. They said they would need a police report sent to them to investigate. I sent the police report to them on XX/XX/XXXX in the email they provided. They never responded. I sent a formal letter to their email again on XX/XX/XXXX and filed the identity theft with IdentityTheft.org. I still have not heard back from the company. I resent the email today XX/XX/XXXX with the formal letter and police report. The debt has not been yet removed from my personal credit.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-09
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. (NV)

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Please REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 181 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

This is for my XXXX XXXX Account
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received an offer to switch my checking and savings to Huntington Bank. It was {$400.00} in reward for opening a new account and direct depositing two checks. We opened the account, received an account number, and a debit card, and began using the account for purchases after our first deposits were made. We called a total of 3 times to confirm that we had done everything necessary to meet the requirement to receive the {$400.00} offer. I was assured by each person I spoke that this was true. However, soon after, I tried to use my debit card for a minor purchase and it was not authorized, but there were more than enough funds showing as available on the account. This was my first notification that there was a problem. I had to call them only to find out they had decided to close my account without evening notifying me! It turns out they decided to close the account after reviewing their records and finding that we had an auto loan that we were discharged from in a chapter XXXX bankruptcy. While I have qualms with this, I am not unhappy with the decision, I am unhappy with the horrible experience Huntington caused. It was a huge inconvenience because they then placed a lock on the account preventing me from using the funds I had just deposited. We live check to check, anyone who also does will know how hard it is when you lose two paychecks in one month. Of course, we eventually got the money back, but it took way too long and caused us far more financial hardship than necessary. 

My main complaints : 1. If I was not eligible for the account, I should have been notified when I applied.

2. I was given incorrect information by the customer service agents multiple times regarding my eligibility for the offer.

3. The manner in which the account was closed was harmful to my financial well being.

4. Huntington could have notified me sooner about the account closing ( but didnt ).

5. The funds from my deposits were not available for an extended period of time, causing me to incur late fees on utilities and services.

6. Huntingtons decision to close the account, based upon an auto loan that I was discharged from in a chapter XXXX bankruptcy more than 10 years ago, makes me wonder : is this legal? 
7. I did not receive the {$400.00} reward I was advised by the bank I had met the requirements for. 

However, I want to give credit to the teller who assisted me at my local Huntington Branch. Despite my obvious frustration, she took ownership of the problem, and helped me get access to my funds as quickly as possible despite the indifferent behavior of their call center or corporate office. It was disappointing to see the contrast between the left hand and the right hand. I am glad that she was there to help us, as I am sure the experience could have been far, far worse without her help.
Consumer complaint received 2024-04-28
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. (NC)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XXXX received a credit alert statement for a debt of {$3000.00} owed to Genesis Credit Management I do not have a contract with Genesis. 
I never received a bill or notice from Genesis or the original creditor XXXXXXXX XXXX and can not get an itemized bill for what the amount is for. 
I have contacted and e-mailed XXXX and Genesis with the proof that I have showing I do not owe this Neither company will work with me to resolve this
Consumer complaint received 2023-09-26
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (AZ)

XXXX XXXX XXXX XXXX is saying I owe money, when property unit was left in Normal condition and they kept all my deposit. Ive requested an itemized bill, have not received. Ive recieved call with threat to my credit and very rude unprofessional customer service.
Consumer complaint received 2024-01-09
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. (NJ)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-02
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.