davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION (WV)

I had an new hvac system installed in my home in XXXX. The contractor offered financing with XXXX. I was approved and had the work completed. I started making payments right without issue. Fast forward to XXXX of XXXX I received a letter in the mail from XXXX stating they were changing over portals but that as an auto draft client I wouldn't need to do anything. In XXXX I noticed my payment wasn't auto drafted, so I called. I spoke with a representative who advised they were having issues with debit card auto drafts. I made a payment over the phone with her that day and she said I needed to set up a new auto draft with my bank account information. I gave her all the information and was told I would be fine for XXXX. XXXX came and two payments were deducted from my checking account. One went with the debit card and other went with my bank account information. I called XXXX and was advised that they did not see how that happened but that my account was credited for two payments and that I didn't owe anything until XXXX. XXXX came and once again they took two payments. At this point I tried to call XXXX again but the phone lines were down. I sent an email, no one responded. I contacted my bank and opened a investigation and advised them to please block any payments that they try to take. My bank finished the investigation and did show this was an error on XXXX part and refunded me the double payments. I contacted XXXX to try for a resolution. Every time I am told that they do not see any auto draft info. My online profiles have been deleted per my request, all payment info has been deleted per my request. XXXX came and they once again tried to take a payment, which was blocked. Each time this happens they are charging me a XXXX Insufficient funds fee which prompts me to call and have it reversed since none of this is my fault. They have reversed fees but no one can give a resolution. I asked to speak with a manager or supervisor in XXXX but no one called me back. As of today XX/XX/XXXX they have tried to take another payment. I called this morning right at XXXX when they opened, explained the entire situation again. I was advised a manager would call me back. I do not have confidence that I will receive a call back, I do not have confidence that this issue will be handled. I have been told by numerous representatives that I do not owe a payment until XXXX, no one knows why they would even be trying to take a payment. I would really like help with this matter. I have been dealing with this since XXXX, countless hours of hold times, repeating the entire lengthy story and zero resolution.
Consumer complaint received 2023-05-19
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: Kovo (MD)

Some used my name to open up account that aren't mine and do not match my address, phone number, or even the state I live in. Please note My suffix is Sr. I tried to contact the company but they say my information doesn't match and they can't pull up the account but it's showing up on my credit report.
Consumer complaint received 2023-03-07
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. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-07
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. (TX)

My name is 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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Equifax has put a personal information block on my credit file and I sent in the proper documents to lift the block, equifax told me the block was lifted so I had 4 companies run my credit and was unable to see my report bc equifax still had the block on which caused me to have 4 inquiries on my credit file for no reason at all but equifax wont remove the inquiries which caused my score to drop and I was denied for all the products even tho my score is XXXX. This has dropped my score like XXXX. I need inquiries removed asap
Consumer complaint received 2023-02-15
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. (NV)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 16818-2 ( 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 2023-07-26
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)

Upon reviewing my credit report, I discovered an unauthorized credit card account listed, which does not belong to me. I believe this is a result of identity theft and, as a responsible consumer, I feel obligated to take immediate action to rectify this situation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-07
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. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (TX)

I engaged with WorldRemit to transfer {$1300.00} to a specific bank account in XXXX ... XXXX Account # XXXX WorldRemit did not transfer the funds as agreed into the account that was agreed upon. WorldRemit says the money was paid into a different account that the recipient does not know about and can not access. 
Now Worldremit is refusing to return the misplaced funds.
Consumer complaint received 2022-04-20
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. (FL)

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. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX XXXX Account Num : 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 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 report.
Consumer complaint received 2023-03-07
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. (CA)

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 update these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX 2023, I mailed the XXXXXXXX XXXX  XXXX XXXX XXXX amount XXXX to XXXX, But XXXX notified me not received the check on XXXX, I check Capital One back on line banking ' the check is cashed on XX/XX/2023 Front check pay to the order XXXX, XXXX I download the check imagine front and back and send to XXXX, we found out theres no endorsement on the back of the check, XXXX said they did not receive the payment, Capital One back did not pay to them. So I contact Capital one bank twice, explain the situation, Ask them to give me the prove of the payment to the right payee. They never provide any proof of the payment to the right payee. No responds till now XXXX.
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

I have blocked multiple phone numbers that this company has called me from. I have received over 7 calls in one day from this company. I have repeatedly asked to be put on a do not call list. they call and say nothing and then hang up on me. I call them and when I ask them to stop contacting me they intentionally hang up on me before I can say put me on the do not call list. 

these tactics are illegal and a violation of my rights and I will be seeking legal action if the contact does not cease.
Consumer complaint received 2023-03-07
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-07
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. (TX)

In accordance with the fair Credit reporting Act XXXX  account number # XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (FL)

On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson , LLP, stating that I owe a staggering {$96.00} for a seemingly trivial {$9.00} toll balance from DelDOT. The first issue that came to light was the fact that XXXX failed to mail the invoice on time, thereby depriving me of the opportunity to dispute the toll within the allotted time frame. 
Given the circumstances, I promptly attempted to raise my concerns with Linebarger Goggan Blair & Sampson , LLP, only to discover that they do not provide any option to dispute the toll. Feeling helpless, I decided to verify the violation myself through the Delaware XXXX Pass webpage, using the Toll Violation ID number provided, but to my dismay, it did not yield any valid violation. The letter states that the trip date was XX/XX/XXXX. 
What adds to the complexity of this situation is that the toll violation is connected to a trailer license plate that my company leases to a trucking company. While it is the responsibility of our customer to bear the invoice at the time of the toll violation, I am currently unable to address this matter effectively due to the lack of cooperation from Linebarger Goggan Blair & Sampson , LLP and XXXX 's directive to deal with them directly. 

Therefore, I kindly request that you investigate this matter thoroughly and take appropriate actions to rectify the situation. I urge Linebarger Goggan Blair & Sampson, LLP to reconsider their stance and provide a means for consumers like me to dispute toll violations promptly. Additionally, I request your assistance in liaising with DelDOT to address their shortcomings in issuing invoices on time.
Consumer complaint received 2023-07-31
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. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/XXXX I received a text from wells fargo asking if i had made a charge to XXXX respond YES, NO, STOP to opt out. the normal text. i responded no because i hadnt made any purchases recently. 
I then was called by XXXX ( i doinke checked that it was the same # on the back of my card ) and told XXXX had tried to been wired out of my account. it was all very confusing, and id never wired money before or had this happen before. 

the man asked me if i knew XXXX something, the alleged person who made the wire. i said no and he told me he was going to help me undo the wire. he then proceeded to take me through transferring XXXX out of my account into his or someone elses. never XXXX wired money before i still thought this was super weird so i stopped him and told him it wasnt right- he assured me he was real wells fargo and to check the # on my debit card and that the money would come back but the bank had to see it from me first? 

long story short he wasnt wells fargo and i loat XXXX which is almost my entire life savings. im XXXX and chronically ill- just wrapped up my XXXX XXXX in 10 years and use all my momey for medical bills. i will not survive without this money back and my bank is made minimal effort to retrieve it and said there was nothign they could do.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

some one charged my debit card 2 times for {$930.00} each time, and after the bank issued a credit for me with the amount of {$1800.00}, and after few days, the bank took back the {$1800.00}