davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-03-02
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: EOS Holdings, Inc. (PA)

EOS CCA Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
Consumer complaint received 2020-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (UT)

Letter / Contract dated XX/XX/XXXX The Huntington National Bank ( Customer Advocacy Team XXXX ) XXXX XXXX XXXX agreed to accept a settlement of 40 % of the outstanding balance of {$4400.00} which equals {$1700.00} of an old disputed auto loan debt from year XXXX. It was Mutually agreed upon a repayment of one ( 1 ) payment each month for a period of six ( 6 ) months following the date " I '' accept Huntington 's settlement offer. It is STATED, there is NOT a fixed amount due each month, as long as after the six ( 6 ) month period " payments must equal {$1.00}, XXXX. 

My first month payment of {$68.00} was already paid XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from The Huntington National Bank that it is reneging on the agreed ADJUSTED {$1700.00}. This is a farce and/or unfair deceptive business practice by Huntington. I have not yet completed my six ( 6 ) months repayment schedule! 

The Huntington National Bank Recovery Department DOESN'T UNDERSTAND " there is not a fixed amount of Money due each month, " i e, I will make make a {$100.00} payment one month and " different '' payment of {$500.00} another month or {$1000.00} another month. I don't have to pay a same fixed monetary amount every month as long as at the end of six ( 6 ) months the total balance of {$1700.00} is paid in full. It doesn't make a difference.
Consumer complaint received 2023-07-13
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. (NC)

My name is XXXX 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 2020-06-12
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

When applying for a checking account at Webster Bank on XX/XX/2020, I was denied a checking account and instead had to open an " Opportunity Checking '' account that carries a significant monthly fee. 

I was given a " notice of action based on information contained in a consumer report '' that instructed me to obtain a copy of my XXXX  report and dispute any inaccurate information in that report. 

I requested my XXXX report, and when it arrived ( dated XX/XX/2020 ), there were no derogatory marks on my report ( specifically, there was " no information found '' under the " Reported Information '' section of the report ). 

I spoke to Webster Bank customer service on or around XX/XX/2020, and they informed me that my XXXX  report contained three charged-off accounts. However, they would not give me a copy of the report. 

I spoke to Webster Bank customer service on XX/XX/2020 and XX/XX/2020 to attempt to get a copy of the report that was used to deny me a checking account. The first time I called, I was told that the department that handles XXXX  reports was closed. The second time, they first tried to make me call XXXX, and subsequently put me on hold and then disconnected the call. 

As far as I can tell, Webster Bank illegally denied me a checking account.
Consumer complaint received 2020-06-12
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1500.00} XXXX XXXX {$870.00}
Consumer complaint received 2020-06-12
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} XXXX $
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from XXXX Bank of $ XXXX..They had been calling repeatedly..We came to an agreement of $ XXXX..Initially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an idiot. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (AL)

My son had an accident a few years ago. Without my authorization, he was flown by helicopter to the hospital. Afterwards I was told that I owed this helicopter company {$45000.00} for a 10 minute ride. This is ridiculous. I never gave them permission to transport him, and I was never told what the price would be before he was transported.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (CA)

On XX/XX/XXXX I went to XXXX in XXXX California. XXXX XXXX XXXX XXXX XXXX. XXXX, CA,XXXX. I brought in my fully paid off XXXX XXXX. I wanted to trade it for a car that was much less expensive on insurance since the XXXX being a luxury vehicle I was paying XXXX $ a month and I could no longer afford that. XXXX offered me XXXX $ I accepted. The same day I found a XXXX XXXX XXXX that wa 's a little less then XXXX . XXXX gave me a check back for the remaining posture equity I still had. One day my car was gone. It was repossessed. XXXX lied and said there was a loan .which there never was one never needed one never talked about one nor is it any where on all of my credit reports. I believe the car they sold me was a car someone traded in that still owed money on and they didn't know untill it was too late so they manipulated the contact saying " I asked for money back and took a loan on the rest '' WHICH IS NOT TRUE NOR DOES IT SHOW UP IN ANY OF MY CREDIT REPORTS.XXXX  have scammed me out of XXXX $ and my car. I have sent them the proof and go in and they lie and say they will help me and never do.Please please please help!
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

XXXX/dba/XXXX/dba/XXXX  RE-AGED and RE-ADDED a UNOWED debt of {$620.00} on XXXX XXXX, placing it on my XXXX, XXXX, and XXXX XXXX XXXX  On XX/XX/2017, I, XXXX XXXX XXXX filed a complaint here with consumer finance ( see attachment ) case # XXXX. Within this complaint ( # XXXX ) the debtor sent a request to all three credit bureaus to remove the account from my credit report, in which they did. Fast-forward years later an alert from all 3 major credit bureaus of the collections placed onto my credit report. 
The debt was RE-ADDED to my credit report as a new account ( which is the same old account ), with the same debt amount. 
The debtor did not communicate with me at any time concerning re-adding this un-owed debt, including never sending written correspondence to my home address, meaning they never identified who they were, who they are collecting on behalf of, nor the balance owed.The debt collector did must advise me that the debt was going to be re-added, so that I would have the opportunity to assert my rights under The Fair Debt Collection Practices Act, which would have given me 30 days to demand as has the agreement had been violated, before placing it on my credit report. Whereby I could have reintroduced the former agreement that the debt was removed from my account years before, and the debt was not owed.
Consumer complaint received 2022-03-02
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. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-08
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. (FL)

I HAVE FOUND AN INACCURATE ACCOUNT ON MY CREDIT FILE THAT DOES NOT BELONG TO ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT FILE. THIS ACCOUNT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT AND I WOULD REALLY APPRECIATE SOME ASSISTANCE IN THIS MATTER. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY ME.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

I always keep track of my spending and know how much I have in my account. I never authorized bbva to pay everyday debit card transactions. If I didnt have enough it shouldve declined the purchase but it didnt. So they reordered my transaction causing my account to go negative. My posted balance - {$2.00} and I was charged an overdraft fee of {$32.00}. This happened to me many many times and they refused to refund. I have no choice to to ask CFPB to step in and help me resolve this.
Consumer complaint received 2020-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In XXXX of this year I noticed an old Capital One account which did not apply for. I filed an Identity Theft Report and submitted the documentation to Capital One as well as the credit bureaus. Capital One continues to report the fraudulent account after receiving the identity theft report.
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Early Warning Services, LLC (GA)

I have money on hold through zelle and on " XXXX  '' ( XXXX card reader ). these companies keep telling me its my bank holding my money. I've called numerous times and have trouble shot the problem with representatives with XXXX as well as the other two parties with no results.
Consumer complaint received 2022-08-17
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports written consent was never provided to report this information. Please remove this inaccurate information immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-02
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. (GA)

This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2022-03-02
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020, certified mail letters were sent out to all three credit reporting agencies : XXXX, XXXX, and Transunion to dispute unverified items on my credit reports. I was simply just asking for some proof or verification of the information they have on file for me. It has been more than 30 days and I have yet to receive any proof of any sort of verification in regards to the information that I disputed. The information that is on my report continues to be unverified.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial CORPORATION (NC)

On XX/XX/2020 ; I contacted XXXX  XXXX XXXX  to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.