davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard Credit Inquiries on my XXXX  and Transunion Credit Reports : XX/XX/2017 XX/XX/2017 These are Unauthorized Inquiries, that I still to this day question where this came from I have tried to work this out with XXXX XXXX on this and they refuse to Address this situation. I will continue to file complaints from this point forwarded and increase the pressure until they properly address this issue or delete all the hard inquiries off my credit reports. A new complaint will be submitted every 15 days until a resolution is met XXXX AND TRANSUNION : They refuse to even investigate the issue I have asked them many of times and they continue to say its just a record, and that it may be but to me it more than just a record. XXXX  and Transunion continues to break the Fair Credit Reporting Laws that clearly states the following : That I have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

*****Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ***** I have asked Transunion and XXXX   to investigate and they are NOT PROPERLY INVESTIGATING my disputes not when they release an update in 1-2 Days. I demand that TRANSUNION AND XXXX  INVESTIGATE THIS MATTER. I WILL ALSO SEND A COPY OF THIS COMPLAINT TO THE CEO 's of TRANSUNION AND XXXX
Consumer complaint received 2020-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (FL)

How is this company allowed to charge interest rates over 300 % this is totally unfair and should be illegal. I am an older person and it's costing me over 800 per month for 10 months to pay back a XXXX loan.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CT)

Bank in XX/XX/XXXX, my auto loans from Honda Financial Services was reported as being late to XXXX, XXXX and XXXX. I have a very good payment history with Honda. However i don't recall ever missing a payment with Honda. Having this late payment on my reports, ( Honda plans to remove late payment in XXXX, that's a long time. ) is causing me to be denied for new credit. I believe this late payment is an error because i have never missed a payment before or after. When other lender see my profile this missed payment is sending the wrong message, which is not a reflection of my true credit worthiness.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The bank is Fifth Third. 

I have not closed the account yet. Waiting for interest payment. 

I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. 

Even if I go below the {$25000.00} the offer says I would receive a blended rate. 
I had a balance of {$100000.00} until XX/XX/18. 
{$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. 

XXXX XXXX XXXX is the personal banker. 
XXXX XXXX is the Manager. 
XXXX XXXX XXXX. 
XXXX, fl XXXX XXXX
Consumer complaint received 2020-03-06
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. (HI)

Experian ( XXXX XXXX  XXXX inquiry XX/XX/2019 ) XXXX/XXXX of XXXX inquiry XX/XX/2019 call may times to dispute / remove
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian has altered the way they do freezes without any notice to us the consumer. An There's not one human being to get a hold of pretty sad these people have access to my info and it is more unsafe in any 3 of the credit bureaus hands who sware to protect it. My info was leaked thanks to lack of safety protocols these agencies have with our information especially a veteran. I put a freeze for my own safe keeping and now they are trying to block me from having any access to my credit even though I personally set up the freeze after my credit was comprised XXXX spent 9 years homeless and not one problem until I finally buy a house.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (MI)

I am XXXX XXXX, the XXXX / XXXX of the XXXX XXXX  XXXX XXXX XXXX XXXX in XXXX, Michigan. I have never filed a compliant before with the CFPB but an experience today prompted me to file this one. I view the CFPB as an entity that can make companies that behave in this manner accountable for their actions. 

The company I am writing about is Certegy Check Services , Inc. This company provides check clearing services to many retailers throughout the U.S. Researching this company online, it appears that they do a very poor job of clearing checks which results in credit union members and bank customers having their legitimate checks denied when they attempt to use a check to complete a purchase. Certegy provides a phone number to call, however the phone number does not allow you to access a person to ask them why checks are denied.

Our credit union is starting to see issues with multiple retailers that use Certegy 's services because our member 's checks are being declined. After a search online, it appears that many institutions have this issue. I do not believe it is fair for a company to use incorrect information to deny checks from being used to purchase goods or services.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (FL)

My information was leaked in an XXXX data breach which was confirmed by XXXX XXXX XXXX I have disputed this account several times requesting validation of account which the creditor refuses to provide proper documentation. The account is incorrectly being reported as a charge off account with a balance due which is a FCRA violation! The XXXX data breach confirmarion numver is : XXXX and the FTC report XXXX is : XXXX
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (NC)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX Equifax and XXXX to correct my address but they have refused since XXXX XXXX XXXX to XXXX XXXX.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

Spoke with both XXXX  and GM financial XX/XX/20 after receiving a letter from GM Financial explaining they could not find my account. Spoke with both parties who told me that 1 ) XXXX   would not correct my credit reporting unless GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account. 

I explained to GM financial what was on my credit report, how long this has been going on for and I was willing to settle this with GM financial and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why XXXX  is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which GM financial comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (NC)

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX, NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX -Acct # XXXXXXXX XXXX XXXX-Acct # XXXXXXXX XXXX XXXXAcct # XXXX, XXXXXXXX XXXX XXXX-Acct # XXXX and XXXX XXXX-Acct # XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-03-06
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: DISCOVER BANK (IL)

I am a victim of Identity theft/fraud. 
I have notified this original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to DISCOVER BANK, XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. DISCOVER BANK continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (DC)

Consumer Number : XXXX Case Numbers : XXXX, XXXX, XXXX, XXXX I received erroneous mail/paper communication from LexisNexis claiming that my disputes are being put on hold because they were unable to verify my identity. After filing a complaint and listing the disputes, a representative from LexisNexis already called me to discuss the disputes, hence LexisNexis was already able to verify my identity in connection with the disputes. I continue to have problems with LexisNexis 's investigation of this problem, and they have been unwilling to fix incorrect information on my report.

As a courtesy, I've attached two forms of identification for LexisNexis 's team 's reference ( one with prior address and one with current address ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently received a copy of my XXXX, XXXX XXXX TransUnion consumer report, and i noticed that XXXX XXXX XXXX XXXX are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH XXXX XXXX XXXX XXXX. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! XXXX XXXX XXXX XXXX HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with XXXX XXXX XXXX XXXX to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (DC)

I received a XXXX gift card for mother 's day in the amount of {$25.00} and when I went to use it there was a XXXX balance on it ... .I never used the card until I tried to use it today XX/XX/2018.. when I call the card company they said someone used XXXX on XXXX then XXXX on XXXX ... .I told them it wasnt me and they said I have to do a dispute resolution on it and it takes up to 90 days ....
Consumer complaint received 2023-05-24
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. (MO)

I am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy Reference # XXXX. I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2018-11-07
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. (TX)

I have disputed the student loan XXXX XXXX XXXX account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Please CFPB remove it
Consumer complaint received 2022-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heis & Wenstrup Co., L.P.A (DE)

HEIS & WENSTRUP CO., L.P.A., by and through its President, XXXX XXXX, XXXX, is violating the FDCPA by : 1 ) continuing to attempt to collect a debt in the name of " XXXX XXXX XXXX against " XXXX XXXX '' that he knows was disputed in writing on XX/XX/22 ; on XX/XX/22 -- listing 29 sections of the FDCPA it/he has violated with a Cease and Desist Demand ( EXHIBIT ) ; on XX/XX/22 ( to it/him with a 95-page Response disputing the debt and again demanding Cease and Desist ( EXHIBIT ) ; and again on XX/XX/22 ( at XXXX XXXX, XXXX XXXX, EXHIBIT ), harassing and upsetting XXXX XXXX ; 2 ) involvement with the issuance of an Eviction Notice on XX/XX/22, directed to harm, retaliate against, and dislodge XXXX XXXX, acts coordinated with XXXX XXXX conflicted and abusive administrator/Board member/third-party contractor, XXXX XXXX, specifically for XXXX  ' not paying the debt in XXXXhe name of XXXX XXXX ( EXHIBIT ) ; 3 ) contacting a third party ( me, XXXX XXXX, XXXX XXXX ' POA ) about XXXX XXXX debt and harassing me XXXX and 4 ) a XX/XX/22 Letter ( EXHIBIT ) of the conflicted, unethical and unprofessional HEIS & WENSTRUP CO., L.P.A., signed by XXXX XXXX, setting a meeting over the disputed debt and Eviction Notice not requested of XXXX after many demands to cease and desist communications about the disputed debt, which they/it can not justify, but persists in harassing XXXX XXXX and me.
Consumer complaint received 2020-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (IA)

On XX/XX/XXXX a check went through for amt {$91.00} and cleared at that time. Since then I have been charged overdraft fees and other fees in conjunction with this check on the following dates. XX/XX/XXXX {$70.00}, XX/XX/XXXX {$35.00}, XX/XX/XXXX $ XXXX {$30.00}, XXXX {$35.00}, XXXX {$70.00} and today XXXX {$30.00}. I spoke to the Branch Manager XXXX  with Bank of the West today and she stated I was charged these fee 's associated with the above check # because the retailer was trying to put through a {$30.00} retry fee ( which I was already charged on XXXX ) and I didn't have enough money in the account? Which is strange since I get direct deposit from Social Security Disability each month on the XXXX. Basically, Bank of the West is making a lot of money off people by continuing to charge accounts over and over again on a item that has already been presented and cleared! When I asked why then am I being charged their overdraft fee of {$35.00} on a check that went through she said because I didn't have money in the account so bank of the west charges {$35.00} a day until money is posted to the account. I wouldn't be overdrawn if they didn't keep charging overdraft fee 's on a check that went through a month ago!!! It will never end and I will never get my account caught up.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

After disputing inaccurate information with Experian Credit Bureau Agency and providing supporting documentation. They have failed to remove information from my credit report.This is affecting me getting employment in this time in XXXX where inflation is high. According to the FCRA Act, EXPERIAN is in violation of the law. I have provided them with supporting details use laws supporting my dispute that are in FCRA Act. I ask they delete this information from my credit report.