davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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: Experian Information Solutions Inc. (IN)

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 Dept of Education XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 7 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 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2020-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Paypal allowed an unauthorized transaction from a third party. I notified Paypal that this was an unauthorized transaction and told them I could show them proof of this from the third party 's dashboard - which shows that I'm on a free plan and shouldn't be charged. Instead, Paypal told me they found no evidence of an unauthorized transaction ( without asking for or looking at what I had offered to show ) and told me I had to deal with the merchant. I am absolutely dumbfounded in what they consider " dispute resolution ''.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY CAPITAL BANK ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-08-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (OH)

I noticed 2 medical collection on my credit report from UCB ( United Collection Bureau ) I sent a letter on XX/XX/XXXX to UCB to dispute the negative accounts and the response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; Therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I sent a letter on XX/XX/XXXX in response to this letter asking UCB to provide me with proof of this dispute and all of the information they used to verify the account or to continue with my dispute if they could not provide that proof. The response I received was " Our agency has determined that you submitted the same dispute on XX/XX/XXXX and UCB responded to that dispute on XX/XX/XXXX ; therefore no further investigation is required under section 12 C.F.R 1022.43 ( f ) of the fair credit reporting act '' I feel as if my dispute isn't being taken serious, being ignored and discarded this is a violation of my consumer rights. I want these accounts removed immediately!
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: COMMERCE BANK (MO)

I made reservations with a website XXXX on XX/XX/XXXX for a honeymoon to take place on XXXX XXXX through XX/XX/XXXX. Due to the covid pandemic XXXX canceled our tip in XX/XX/XXXX. Their phone numbers all led to a robot recording that said to refer to their website and then hung up on you. Then the website and cancelation emails said they were unable to issue refunds at this time and to contact your cardholder to get a refund. I contacted my bank Commerce Bank to dispute the charges and get my money back but they said it was out of their scope since it was past 60 days of booking the services. I am out {$2300.00} total for services untendered of XXXX XXXX. My claim with my bank was made in XX/XX/XXXX. They have denied my claims twice now. I sent them every email communication between me and the XXXX.XXXX  and the phone number for the company as well. I have banked with this bank since I was 18 and they didn't care to help me.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-03-05
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 XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a checking account with Capital One for well over 15 years. I get my Direct Deposit in this account. On many occasions I have over drafted due to my financial situation. My account was negative {$620.00}. One week before I would receive a direct deposit on XX/XX/XXXX Capital One put my account on Permanent Restriction. I never received any written notice that this would happen. None. 

I had opened a few weeks prior to this a 360 account which I had to over draft too because of my financial situation. My boiler broke and I had no money to fix it. So this account had a negative XXXX in it. When I saw the restriction on the the account that I have received my paycheck in for over 15 years, I immediately called the customer service and spoke to several different representatives who all stated that I would be able to transfer any positive funds into the new 360 account when I receive this deposit. 

On the day the direct deposit went into the account, i was positive over XXXX dollars. I call customer service and speak to several people on XX/XX/XXXX in particular a manager named XXXX -- ID # XXXX. He tells me he doesn't give out his last name. He knows my last name. 

XXXX tells me that they can not give me my money today. He tells that it will take 3 business days to go into the 360 account so that I can access my money. This in itself was unacceptable to me. He suggest I go to the branch and see if they can help me. I did and the story changed when the teller called the department that would be able to lift the restriction and give me access to my money. They refused to do this. They said that both accounts would be closed and a check would be sent out in 5 to 10 days. I am not a well person and this situation has made me very ill. They left me with no money, no food money, no money to pay any bills. My next paycheck is on XX/XX/XXXX and I have no direct deposit account because they said they were closing both accounts. This was my money. Not Capital One 's money. Over the years I have paid thousand of dollars in Overdraft fees.. They close both accounts with no written notice and refuse to give me the remainder of MY money which would be over XXXX after paying the other negative amount which I saw they already paid. I need to see a doctor soon and I have no access to my money. I will continue to make formal complaints about this issue because it is truly an unacceptable situation when a bank refuses to give you access to your own money after any fees are paid. To tell someone who needs their money today that they will get it in 10 days is not acceptable especially in these trying times. I need access to my money today XX/XX/XXXX, not in 5 to 10 days.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I believe my information was involved in some type of data breach - Transunion has been releasing my information to companies for rental pre-screenings that are not mine. I've had my credit frozen since XX/XX/2023 and Transunion told me, if the companies had my information on file the freeze won't prevent this type of credit pull - because it's not considered new, and they said they can not help me as these are not hard inquiries. 

XX/XX/2023 - XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX via Transunion XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXXa Transunion XXXX XXXX XX/XX/2023 and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Transunion XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (IL)

This complaint relates to a car leased through Audi Finance. In XX/XX/2020, the car was relocated from Massachusetts to Illinois, and retitled in Illinois ( Audi Finance remained the title holder throughout ). Illinois charged a use tax at the time the car was retitled, which I paid directly to the state. In XX/XX/2020, my statement from Audi Finance included an " Other Charge '' of {$830.00}, which I paid as a result of my automatic billing arrangement with Audi Finance. When I inquired of Audi as to the basis for this charge, they said that the Illinois Department of Revenue had recalculated the use tax, and had billed Audi for the additional amount due, which Audi had paid. I then contacted the Illinois Department of Revenue, which agreed that the additional tax assessment had been in error. On XX/XX/2020, the Illinois Department of Revenue refunded to Audi {$880.00}, having concluded that not only was the additional assessment in error, but that the original assessment had also been too high. I spoke to a representative of Audi Finance on XX/XX/2020. After checking with their tax department, she confirmed that they had received the refund, and stated that it would be credited back to my account within the next 8 weeks. It has now been over seven months, and I still have not received the credit. I have called Audi Finance about this several times. Each time I have checked, I have been told by the customer service representative that they would check on the status of my refund and call me right back. I have never received a call back. Earlier this week I spoke to a representative who told me that they have no way to reach their own tax department by telephone, and must email their inquiries to the tax department, which simply does not respond. This, he explained, is why customer service does not call me back. I was also told that there was no way for me to escalate the issue within Audi Finance.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

Here is the email I attempted to send to the bank on XX/XX/2021 To whom it may concern, I am extremely unhappy with my experience with your bank. I opened this account on XX/XX/2021 in order to save money for my daughters college tuition. Your bank has made what should have been a happy occasion a very sad and stressful one. I have had the account for just one week and the only activity I have on my account account were two {$1000.00} deposits that I initiated from my checking account with XXXX XXXX dba/ XXXX. I also added my checking account with XXXX XXXX XXXX XXXX specifically to transfer funds from my military retirement  pay to my daughters tuition fund. Somewhere in this very limited activity you claim evidence of fraud. On XX/XX/XXXX I received an email from Synchrony Bank stating that my account had been restricted and that my available balance was no XXXX dollars. I have contacted your customer service department at XXXX on XX/XX/XXXX and have done all I can to demonstrate that I am the owner of the external accounts listed with my savings account. I confirmed all my information with your customer service representatives and I am more than willing to send further proof in the form of bank statements or put you in contact with my banks in order to confirm that I am the owner of these accounts. This is what I am told your reason was for restricting my accounts. I am told my second XXXX dollar transfer did not complete before you restricted my account and as a result will be sent back to the originating account shortly. I do pray that is the case as I intend to file a report with the CFPB https : //www.consumerfinance.gov immediately. I am uploading a copy of my monthly statement from my bank after I requested a means of proving ownership of my account to your bank. They immediately complied with my request and I expect this to serve as adequate proof that I own the account in question. I am sending screenshots of my credit union account to demonstrate proof of ownership also. I am also sending a copy of my drivers license with current address. I expect someone from your bank to contact me and clearly explain why this even took place and when my account will be available immediately. I have been patient and have done my utmost to assist in your " investigation '' but I will not wait 30-60 days for access to my money. I am a XXXX military veteran on a limited income. I can be reached at # # # # # # # # # # and anticipate a call as soon as possible. 



I was unable to send this email as the Synchrony Bank website kept returning the email as undeliverable.
Consumer complaint received 2021-03-22
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. (CA)

This is my second time submitting a complaint. The first time was on XXXX/XXXX/2021 and no changes have been made and my information is still incorrect. The incorrect name, addresses, and telephone numbers are under my current report. I have contacted the respective companies through the number to which they provided during the first complaint attempt, but have only been met with poor telephone machine customer service and no option to speak to a human representative.
Consumer complaint received 2021-01-01
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. (FL)

Experian falsely claims that my complaint " did not appear be be submitted by me '' and then falsely marks my complaint as duplicate. Please investigate and delete the following false accounts : XXXX XXXX XXXX account XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against Equifax, XXXX, and XXXX. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in XXXX  is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.
Consumer complaint received 2017-11-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A & S Collection Associates, Inc. (NV)

Received a phone call on Tues XXXX XXXX XXXX at XXXX from a unknown number by guy named XXXX XXXX saying he has legal documentation that I have to sign for at my place of residence and/or employment under my name and social security number. The paperwork is pertaining to a claimant office is filling against me. He says he is advising me to call XXXX and here is your attactch case number. This same guy has also called My Dad at his residence on Tues XXXX XXXX, Weds XXXX XXXX and also called my brother at his place of residence XXXX XXXX and XXXX XXXX. He has call both of them numerious times and was very rude. He has also called me again on XXXX XXXX XXXX at XXXX for another message like the first one. He called again XXXX XXXX saying the same message.