davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I switched to Huntington because I needed a bank in XXXX where I recently moved to. I have direct deposit and a Checking and Savings account. I received my direct deposit pay on XXXX. I made a large payment and then I had a check that I had to cash for {$1000.00}. I deposited it into the atm around XXXX. That was my only option because they do not ever have extended hours and it is hard for me to get to a bank during my work day. I figured that it would not make all of the funds available but at least a small portion. After I got my balance, I saw that nothing was made available. I was hoping that it would be available the next day after the bank opened. What I got was an email saying that the funds would not be available for 7 days. There is now a hold on my account. I called the local office. They do not answer their phones. The only option is to leave a voicemail for a return call which I did not receive. I had to call the XXXX number. I got a representative and he had me on hold for an extremely long time then came back and said that they could not release any of the funds nor return my check. I asked to speak to a supervisor and spoke with XXXX. I told her that I needed groceries and my medications. She refused to make any of my money available nor help me get my check back so that I could take it to my other bank account in XXXX. I feel that if they want to be so highly cautious, then I should have the option to take my check elsewhere. Unfortunately I live paycheck to paycheck. Because of this extremely long hold ( in this day and age ) my internet bill, phone bill will not be paid and I will incur service restoration fees. This whole matter is going to cause me a considerable amount in fees all because they could not make a small amount of my money available to me. I know they can because my other banks do so. And again, if they can not cash my check in a reasonable time or make my funds available, then I should have my check returned to me so that a more modern bank can cash it for me. I should not be held hostage and broke due to their outdated policies.
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

XXXX XXXX  is holding my money XXXX I have over {$700.00} in there and they're refusing to give it to me they've locked up my account please help me get my money Thank you XXXX XXXX
Consumer complaint received 2024-04-02
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian Still reporting wrong information on my credit report. Which is causing me to have a bad credit score Also, it did not respond within the 30 day period when I make a dispute Also, this agency is acting as if I supposed to pay them to have a good credit score. Because every time I turn around, my credit score always goes down. I have not had anything on my credit cards for the last 3 months. My credit score still goes down never mind
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

Hello, I use Discover credit card. On XXXX XXXX, they helped me enroll in a program, but didn't tell me that my account would be suspended when I enrolled in the program. They said that I accepted their terms and conditions. But I have no impression that their statement said the account will be suspended. Their communication app always automatically exit, and when I retrieve it, the information they sent to me will appear 5-10 minutes late.

For me, this is fraud.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
DELETE THE ACCOUNTS BELOW transunion bank 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
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.
Consumer complaint received 2022-10-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

On XX/XX/22 I contacted Equifax concerning the credit files sent to me on XX/XX/22 by Mail from equixfax. Confirmation # XXXX. I have found inaccurate information pertaining to Personal Identification Information inside Equifax Database System which is a violation. On the credit file the date of birth is inaccurate showing XX/XX/1899. The Name is Spelled XXXX XXXX Which is a error. The correct spelling of my name is " XXXX XXXX ''. This is a business Tort, breach of trust, affecting my credit, and misrepresentation. Violation of 15USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2021-03-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from 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
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX XXXX HARD INQUIRIES MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX VA XXXX ALL OTHER ADDRESSES SHOULD BE DELETED
Consumer complaint received 2023-08-18
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. (IL)

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX for their persistent failure to address my disputes regarding unauthorized accounts on my credit report. I believe that their actions are in direct violation of 15 USC 1681e, which mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. 

Despite my repeated attempts to dispute these unauthorized accounts, both TransUnion, XXXX, and XXXX have neglected to investigate my concerns adequately. They have failed to provide me with a clear explanation of their investigation process for disputed accounts, as required by law. This lack of response and failure to adhere to the law has caused significant distress and financial harm.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I asked the credit bureaus to reinvestigate my credit report. I do not agree with results. I was never late on a payment. I was informed by ally financial i could extend payments due to hardship that would not effect my credit. Please see documents to prove my case. I am in good standing with ally financial.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Gary A Bemis APC (CA)

I switched health insurance companies from XXXX to another provider. Health insurance is paid up front for the next month which had been paid until the switch to another provider. XXXX is claiming I owe them another month in the amount of {$1700.00} plus interest of {$94.00} and have employed multiple debt collection agencies to collect on services they did not provide. 

One of these collection agencies, XXXX XXXX XXXX, has sent a collection notice threatening legal action if not paid within 10 days without providing an explanation of goods or services provided by XXXX, my rights as a debtor who has 30 days to dispute nor a " tear-off form '' to dispute the alleged claim.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX XXXX XXXX Called Bank of America ( through the app ) regarding late payments caused by an autopay setup failure for a Bank of America ccredit card. Customer service agent promised that, upon payment, late fees would be refunded and the late payment would not be reported to credit. 

XX/XX/XXXX - Applied to auto insurance with XXXX, and discovered that my credit score was down by XXXX points due to a reported late payment. 

XX/XX/XXXX XXXX - Called Bank Of America ( through the app ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX to XXXX - called several times from numbers from the mobile app and website, could not get connected with an agent. 

XX/XX/XXXX XXXX - Called Bank Of America XXXX XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

Got re-connected, on the same call, to another customer service representative ( an " escalations manager '' named XXXX XXXX who gave the number XXXX to follow-up with ), and again was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

XX/XX/XXXX XXXX - Called Bank Of America XXXX through XXXX ) to inquire why the late payment had not been handled, was told that the previous customer service representative had never filed the process not to report the late payment to credit agencies. Again, the customer service representative promised that the forms to fix the issues were filed. 

This time, however, I also discovered that I didn't actually even get the late fees refunded as promised, but rather, that Bank of America had instead drawn the payment from my checking account twice without authorization - we had only given authorization for a single payment. This was an un-authorized payment of {$220.00} being taken from my checking account by Bank of America, applied to the credit card, putting my current balance on the card at $ XXXX ( i.e. {$210.00} needing refunding ). These payments were taken on XX/XX/XXXX ( {$220.00} ) and XX/XX/XXXX ( {$220.00} ). 

Got re-connected to another customer service representative ( an " escalations manager '' named XXXX XXXX '' ). Again, the customer service representative promised that the forms to fix the issues were filed.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-02
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. (NC)

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.

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 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My identity has been used Ive filed a ftc report and mailed it to the credit beuras but no action has been taken this is affecting me from establishing positive credit I want to buy a home in the future please remove this fraudulent account from my credit report the name of the account is called XXXX  XXXX XXXX.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.