davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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. (MD)

In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-27
Product: Credit 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: UMB FINANCIAL CORPORATION (PA)

This is in continuation of the closed file that has not been addressed : AFFIDAVIT OF STATEMENT I am continuing to ask for the same information that I did not receive from the previous closed out reference account below : XXXX Print complaint Closed The company sent alleged payments XXXX XXXXI was out of the country. They have manipulated the payment history or practicing RICO violations. 

I asked the company to provide payments transactional report for all payments made from XXXX to XXXX based on the Anti-Money Laundering ( AML ) Law and eDiscovery Laws govern by Banking Institution. 

The company sent the Credit Card Agreement Pamphlet for STATEMENTS OF PAYMENTS FOR XXXX 

These payments were not made by XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (RI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I issued a check with check number XXXX in the amount of {$1000.00} to XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and altered the entire content of the check and only left the check number. It was altered to the name of XXXX XXXX at the amount of {$12000.00} the check signature was forged as well. The check was cashed and released by TD Bank without proper verification. 
I made a complaint and TD Bank made the original affidavit of forgery and was filed XX/XX/2022. I continuously followed the status with the bank but bank keep saying it was on process. On XX/XX/XXXX, since I am not getting any updates from the bank, I contacted TD bank investigator in charge of the case. I was told by the investigator that the affidavit was wrongfully done and the TD Bank was notified but nothing was done to correct the affidavit. I was told by the investigator to go back to the TD bank for bank to file the correct affidavit as " altered check ''. After a few weeks I called up the investigator and was told that it was assigned to another investigator. Up to now I made a follow-up on XX/XX/XXXX to a bank officer named XXXX XXXX XXXX XXXX ) and I was told it was being investigated and was being misled. I'm not getting any answer or updates on what is really going on. Its now 106 days since it was filed. I am hoping that you will be able to assist me and resolve this problem. Its a big amount and which causes financial burden to our obligations.
Consumer complaint received 2023-09-27
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. (FL)

In according with the fair Credit Reporting Act 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 furbish an account without my written instructions.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/XXXX, XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. Please send the method of verification after the reinvestigation and an updated consumer report. 

ATTACHMENTS
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference number XXXX has violated my rights. 

15 U.S.C 1681 section 602. A. States that I have a 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 2022-11-24
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. (ID)

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these XXXX Alerts are not deleted, I will also file a XXXX report.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I went online to purchase a new car. I was on the XXXX site. On their site if you find a car you like you can also apply for credit approval. 
I was approved. One was with XXXX XXXX the other was through XXXX. 
I call XXXX they sent me a email with an approval number. 
I call the dealership XXXX in XXXX Ga that did business with XXXX. We spoke about the car reach an agreement on price. 
I told XXXX that I had a pre approval letter. I email it to them. They wanted to put my contact through some one else. I told them No that I was happy with term with XXXX. I said do not send my information to any other banks. I didnt want to many inquiries on my credit report. 
The car dealership XXXX sent it to at least 6 other banks. That now show up on my credit report. The dealership was trying to steer me to another bank. I said no. Long and short I have 9 new inquiries on my credit report.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

XXXX I noticed two fraud charges, same amount, same date for a service I did not purchase. Wells Fargo Bank My biggest problem is my bank is penalizing me for the charge back. Without my request, they simply turned off that credit card. My problem is I have many vendors with whom I have provided that card number for recurring charges. 

Now, because I exerted my rights, I have to spend XXXX XXXX tracking down my vendors in may lose vendors. This could cost me greatly. 

I did not request the cancellation. I ask that Welks Fargo not charge back the fraud if it was going to burden me. 
They shut me down. 

I need help
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I checked my American Express Bluebird prepaid debit card account for my paycheck and noticed my paycheck had been direct deposited electronically. 
There was also a withdrawal made from an ATM for {$200.00}. 
I did not authorize this, was not present for the withdrawal, and did not benefit from this withdrawal. I had not given my pin to anyone and my card was in my possession. 
I disputed the transaction online immediately and filled out all appropriate paperwork requested by the company. 
On XX/XX/XXXX my request was denied, citing that the company found there had been no fraudulent withdrawal and the transaction had been authorized. I was told I had the right to review documents used to come to this determination. 
I sent a letter requesting documents that showed why American Express had made this decision. 
On XX/XX/XXXX I received another email informing me that no documentation was used and my dispute was closed.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.
Consumer complaint received 2022-11-25
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. (FL)

My name is XXXX 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 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am the author of this complaint and I checked my credit report and noticed that there are inaccurate negative accounts and the credit bureaus did not do a reasonable investigation. 

Fraudulent acounts : 1. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Late Payments to Update : 1. XXXX Inquiries to remove : 1. XXXX 2. XXXX - XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX XXXX 9. XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This is final attempt before filing a lawsuit. You have allowed XXXX violate my right as a consumer. What they reporting is N inaccurate account. There were unauthorized charges made on this card while I was admitted in the hospital for several months due to XXXX XXXX, surgeries and XXXX. I sent a copy report to XXXX. Have XXXX  provide a copy of each transaction along with the signature to each transaction. I have been asking for this and they fail to provide it. I cant believe each credit bureau is allowing them to report this account without asking for documents. I would like for each credit bureau to provide me with validated documents and proof of my signature on each transaction with XXXX. XXXX  also have cameras they should be able to review their store cameras and see it wasnt me using the XXXX  credit card. This is my final chance next I will be suing for up to {$15000.00} for each entity thats allowing this account to be reported under my credit file
Consumer complaint received 2022-12-10
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$900.00}
Consumer complaint received 2023-06-01
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: Medical Data Systems, Inc. (NC)

Last reported XX/XX/2023, on two accounts with XXXX XXXX XXXX reported to my credit and it making an impact to my credit. 

Last reported XX/XX/2023, Medical Data Systems Ins reported to my credit Last reported XX/XX/2023, XXXX XXXX reported to my credit
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Twice in the 6 months ( XXXX and XXXX ) Bank of America has taken too long to process a mailed payment for credit card. The payment was for the balance in full and mailed 5 business days in advance as recommmended. In both cases, I attempted to pay online and over the phone after B of A claimed the payment was late. After receiving my payment, Bank of America then processed my manual check IN ADDITION to the electronic payment. Also, as a reference point, I mailed another credit card payment to a different company on the same dates with similar due dates and these payments were processed in under 5 business days. 

I believe that Bank of America and delaying processing of mailed payments to collect late fees AND to drive customers to electronic payments. I will pay off this card and cancel it but I feel that they should not be able to get away with this behavior.
Consumer complaint received 2022-11-25
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 XXXX 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 2022-12-10
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. (CA)

In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (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 an account without 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.
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I paid my car off on XX/XX/XXXX   with Credit Acceptance Corporation. I had a refund of {$730.00} coming to me. I called XX/XX/XXXX  as I had not received it. They stated they saw the check hadnt been cashed but I would have to wait 30 days to ask them for new check. On XX/XX/XXXX  I called again as I still have not received refund check. They said they would submit new request for check to be sent. I called today, XX/XX/XXXX  as I still have not received a check. They stated that today they sent over for a new request and would have to wait until they could verify a check they said they sent has not been cashed. I asked when I spoke to them XXXX that they said they were submitting a request and that now they are saying they just sent that request to another department today meaning I will have to wait however long until they finally resend a new check. They are blaming that mail just lost the original check yet I managed to get bill every month with no issue? 
I believe they are stalking and now it has been 2 months since I paid my loan off and still have yet to receive check on my refund. This is highly predator them.