davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time COVID-19 hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-03-04
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: TD BANK US HOLDING COMPANY (NY)

Hey I was looking at my XXXX  XXXX  and noticed my old td bank card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-12-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (NY)

Hey I was looking at my XXXX  XXXX  and noticed my old XXXX XXXX   card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. 

I am looking for this to be solved and corrected. Any questions please feel free to call me.
Consumer complaint received 2020-03-04
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: AMERICAN HONDA FINANCE CORP (NC)

On XX/XX/2016 I purchased a XXXX XXXX hybrid. Every payment was made on time never any issues. However on XX/XX/XXXX the car was totaled. The insurance company paid the remainder balance. The insurance company took long than expected and since I am still liable for the loan the late payment was reported to the 3 credit bureaus. I spoke with Honda financial and they said there was nothing they could do.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

Western Shamrock out of XXXX Texas at XXXX continues to contact my employer after my boss has informed them not to on more than one occasion. I work for a district court, XXXX XXXX XXXX XXXX office. The district clerk herself XXXX XXXX already spoke with someone there and told them not to call again. This is a courthouse.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AL)

I am writing in response to the enclosed letter from Citibank concerning my request to increase the revolving credit limit on my Citi / Advantage Executive Wold Elite Mastercard. The letter states Citibank is unable to approve the request because when reviewing your account history with us, we saw a bankruptcy and/or charge-off on a Citi issued credit card. 
I have no history of bankruptcy or charge-offs with any debtor. I have conducted a review of information being reported by the credit bureaus and confirmed no derogatory information is reflected on my credit reports. I assume Citibank is basing their decision on information contained internally at Citibank. 
I have contacted Citibank Customer Service and was advised that they have no way of initiating an investigation to correct potentially erroneous issues as this is an automated system that makes these decisions.
Consumer complaint received 2020-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (WA)

Dates XX/XX/XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Contacted ARS ACCOUNT RESOLUTION, to get information about a debt. A woman named XXXX, became very rude and aggressive, using a condescending tone and got loud, rude and disrespectful, when I was asking simple questions. Had ZERO customer service skills.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Securus J Holdings, LLC (OH)

The company that I'm reporting is Jpay ( www.jpay.com ) ( jpay in the app stores ). They work with Correctional institutions to provide services to XXXX. Our family, or by our own, places  money into a trust account which can be used to purchase goods on their " store ''. In the store you can purchase various items, like music and/or games. 

Routinely, the games they have in their store are flawed and do not work. When this is reported, it is ignored and the company routinely keeps the funds without processing the trouble tickets for refunds.

I purchased at least 6 games that do not function and jpay  refuses to refund my money. While this is happening to me, it is systemic and is happening to every XXXX that uses their system, which is just about every Ohio XXXX. 

I welcome any opportunity to have this matter corrected. The company routinely ignores complaints to the XXXX XXXX XXXX  as they have a contact with the Ohio Department of XXXX and XXXX and simply do not care about  being reported because of the secured income. Equally, XXXX  have no other option, were secured consumers without anyone to help. 

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX ( XXXX  Number : XXXX )
Consumer complaint received 2022-12-24
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. (PA)

*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (CA)

The following accounts were opened without my knowledge : XXXX  XXXX   XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on Experian, and XXXX XXXX is listed on all three credit reports, Experian, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
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. (AR)

I have been a victim of identity theft. My name, social security and address has been used to open up accounts that I have never authorized. In the past I have had issues applying for things due to having a very common name. I'm not sure if that is one of the biggest issues I am having because these accounts under my name are fraudulent accounts. The reason I was prompt to pull my credit was because my tax professional told me that my social security number had already been filed. I called IRS and they prompt me on what needed to be done next. Please remove these unknown suspicious accounts from my report. They do not belong to me. 
XXXX XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX   XXXX {$870.00} XXXX XXXX XXXX {$830.00} XXXX XXXX    XXXX {$140.00} XXXX XXXX {$2200.00} XXXX  XXXX {$2700.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$24000.00} XXXX XXXX {$870.00} XXXX XXXX {$830.00}
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-04
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: HCFS Healthcare Financial Services of TeamHealth (FL)

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I asked for a XXXX transfer The bank asked for. XXXX and a XXXX And stole the XXXX Claiming it was due to return fees for the XXXX When I only asked to pull XXXX They thereby stole my XXXX
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Citi denied my claim for a dispute when my XXXX XXXX XXXX  when into bankruptcy. They sent a online message to ask for more information by a certain date when I provided more than enough information to process the claim. They did not contact me by phone or by mail. 

After citi denied the claim for not responding to an online message, Citi informed me to file a " Trip Cancellation & Interruption Protection '' since my flight was cancelled and would be covered under this benefit. They said they would mail me a form to fill out. 

about 2 weeks later the from arrived. I talked to another representative from citi who got an email sent to me that I could respond to and send the information in electronically. Why did the first representative misled me for 2 weeks? 

I provided all the necessary information. I got a response that it wasnt one of the 12 covered reasons so I would not get a refund, but this was clearly a " Trip Cancellation '' due to bankruptcy but i did not have " protection '' while Citi markets this as " Trip Cancellation & Interruption Protection '' Multiple times citi mislead me on what to dispute and claim. Citi " attempted '' to contact via secure message when it should have called or sent certified mail to ensure I was properly notified. Citi misrepresented its benefits by marketing a term called " Trip Cancellation & Interruption Protection '' but really only has 12 covered reasons.

Note this account is for a senior citizen over the age of XXXX. Citi bank took advantage of a senior citizen.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XXXX
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I asked my bank to transfer XXXX Then the next day XXXX Then they began holding my transfers for 3 days at a time. 
I then transferred XXXX they held it as well. 


I transferred it from an external account ending in XXXX. 

My external account showed they never pulled anything out. It had the full balance of XXXX I then waited 5 days. 
Upon returning they stole the funds transfer As the result of XXXX  it up You dont charge XXXX after never transferring the money Then when I re did it they stole the money.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, TransUnion and XXXX s. On XX/XX/20, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.