davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (GA)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 -XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NC)

Diversified Adjustments recently reported a {$2600.00} collection account on my credit report. Prior to the appearance of this account on my report, I did NOT receive a notice of my right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I purchased two items from the duty free shop in XXXX XXXX using my Bank of America Travel Rewards credit card. Total amount for the transaction was XXXX euros. I have the receipt as proof. With the exchange rate at the time, it came to about {$410.00}. However, my credit card was charged {$470.00}. So I disputed the difference, which is {$61.00}. 

During the dispute process, the merchant provided Bank of America two receipts. One for XXXX euros ( the one I also have ), and a second receipt that I was never made aware of at all and for a different amount. Based on that second receipt, Bank of America decided to rule in the merchant 's favor. 

As mentioned above, I was never made aware during the sale that I would be charged a different amount than that of the receipt originally provided to me ( for the XXXX euros ).  Furthermore, I don't understand why Bank of America isn't concerned that two completely different receipts are being provided to them from the merchant, and Bank of America is only going to consider the second receipt when making their decision.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-28
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CA)

1. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 2. XX/XX/2019-MISCELLANEOUS FEES ON MY ACCOUNT-UNEXPLAINED 3. MY INTEREST RATE WAS RAISED TO 5.375 % -- -BANK DID NOT PROVIDE ADEQUATE DISCLOSURES OF THE INTEREST RATE HIKE 4. EARLIER THIS YEAR I SENT IN INFORMATION FOR DIRECT DEPOSIT, IT WAS NOT ACKNOWLEDGED ... AND NOBODY FROM KEY BANK CONTACTED ME TO RESOLVE ... .INSTEAD THEY JUST REPORTED MY ACCOUNT AS DELINQUENT TO THE CREDIT BUREAU 5. KEY BANK CONTINUED TO CHARGE FEES TO A DEBIT ACCOUNT I HAD WITH THEM ( WHICH HAD A POSITIVE BALANCE ) ... UNTIL THE BALANCE WAS NEGATIVE {$270.00} AND THEN INSTEAD OF CALLING ME TO RESOLVE, THEY HANDED THE ACCOUNT OVER TO A COLLECTIONS AGENCY. 

KEYBANK HAS HURT MY CREDIT SCORE WITHOUT EVEN CONTACTING ME FOR PAYMENT AFTER IT FAILED TO PROCESS MY DIRECT DEPOSIT AUTHORIZATION PAPERWORK, IT HAS CHARGED MY DEBIT ACCOUNT HUNDREDS IN FEES WITHOUT ANYONE NOTIFYING ME AND THEN SENDING TO COLLECTIONS. 

THESE ARE PREDATORY BANKING PRACTICES THAT SHOULD BE STOPPED.
Consumer complaint received 2022-03-21
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. (PA)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I received a Visa Gift card issued from XXXX XXXX, I didn't pay attention to the fine print, it turned out that if the card is not used within 12 months, it starts to lose {$2.00} per months. 
I called the # provided on the back of the card, 12 months of charges were re-loaded but I was told they can't go beyond 12 months. I say this is a rip off and no one should use there types of gift cards because people tend to forget what they have and most don't check the fine print.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (AZ)

I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.
Consumer complaint received 2019-10-16
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (PA)

I contacted Ameritech Financial in XX/XX/2016 per a piece of mail delivered to me stating they could help me repay my loans and ultimately reach loan forgiveness. I spoke with a representative named XXXX XXXX who walked me through a 2-hr phone conversation in which he assuaged my loan anxieties, stating the company would have me pay rates which would reduce over the course of 10-15 years that were based on my income. I initially paid something like {$100.00} and thereafter have been making payments of {$82.00} for about 2 years. The company led me to believe that my payments were investments to pay off my loans and that the government couldn't really help me like they could. I recently received a letter from the Federal Trade Commission detailing a law suit made against this company. Thus, I am filing this report. I am currently waiting to hear back from Ameritech to cancel my account and demand a refund. The number listed on their documents is no longer in service. I called them using a number on my voicemail ; they had called me on XX/XX/XXXX telling me I needed to sign a contract to approve debits. I did so. I have, up until this moment, felt comfortable with Ameritech because once I settled business with them, I would receive monthly emails from XXXX XXXX XXXX XXXX stating that I owed them {$0.00}. Since gaining this knowledge, I called XXXX XXXX who explained the fraud taking place in the same words as the FTC.
Consumer complaint received 2019-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (AZ)

The collection company called Progressive Management Systems reported to the bureaus a debt under my name. The collection was reported back in XX/XX/XXXX and it was for a balance of {$1300.00}, showing the original creditor as the XXXX XXXX XXXX XXXX and the account type as " collection '' and " joint ''. This account was disputed with XXXX and I am unsure of what information the collection agency provided to the Bureau showing that the account was mine and " joint '' as the Bureau informed me. I am still disputing this account, it is not mine and I would like the company to provide documentation.

I haven't had any contact with this company over the phone or in any way and never had the opportunity to dispute it with them directly, never get into any payment plan or any agreement to pay.

! 8 days ago the same collection company, Progressive Management Systems reported the same account as a 60 late payment for the same amount hitting me twice for the same debt which shows the account as a collection in XX/XX/XXXX and an account in 60 days late payment status XX/XX/XXXX. 
First of all the debt is not mine but also I understand once a creditor selles a debt to a collection agency, this one can only report the debt as a collection not as a collection and account in late 3 years later without communication or any payment plan set up.I think this is an unfair tactic from the collection agency to collect the money duplicating the information and reporting false information and twice to the Bureaus. This practice goes against the Fair Debt Collection ACT
Consumer complaint received 2018-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (KY)

Check Smart ran my check through the bank on XX/XX/2018 for {$470.00} after a collector in at the corporate office Community Choice Financial advising me that they were going to set me up on a payment plan on XX/XX/2018. They refunded some overdraft fees, but not all. The check went thru my bank on XX/XX/2018, and they still have me in a database with XXXX that says that I have an outstanding loan for {$400.00}, even though I have emailed my banking statements to them, per thier request on two different occasions. I have received a Paid In Full letter on Friday, XXXX XXXX but they still havne't taken me out of the XXXX database which prohibits me from dealing with anyone else that utilizes the XXXX database. I spoke with them today, and was advised that they submitted a request to refund the remianing {$12.00} that they owe me. However no information can be provided to me as to why I am still in the XXXX database 13 days after they were paid in full. Thee people involved are the original collector that I spoke with on XX/XX/2018, but I don't remember his name. The other people involved are XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was involved, but she is the only one that has truly tried to assist me by emailing me a Paid In Full letter on XX/XX/2018. However, no one seems to be able to give me any information as to when I will be taken out of XXXX.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-10-11
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)

on XX/XX/2022 i sent letter to XXXX, expirien and XXXX however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
Consumer complaint received 2019-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MN)

Dear XXXX, I am writing in regard to a Home Equity Line of Credit with US Bank that was given to me, but I never had the need to use. Just to give some background. 
- I had first mortgage with US Bank. {$200000.00} ( A/C # XXXX ) - A Home Equity Line of Credit ( HELOC ) with US Bank as well. {$48000.00} ( A/C # XXXX ) I did have the HELOC ( which I am seeing was taken to be a second mortgage ), but never used the amount for any purpose whatsoever. At the house closing, I was charged a pre-payment penalty for both the first mortgage which was pre-paid before the 5 years was up - I can understand that since the XXXX amount was active and used and was cleared before the five-years since we sold our home and the loan cleared. 

However, what I dont understand was the pre-payment penalty for the HELOC that wasnt used for anything. In trying to sort things out with US Bank I was told that the fees would be waived, if I did take another loan with the Bank. I did speak with the branch manager (  XXXX XXXX ) at the XXXX XXXX XXXX. XXXX XXXX at the XXXX XXXX was the Banker who helped open the loan. 

I am hoping your office can help to sort the HELOC pre-payment penalty out for me. I honestly feel that I should not be charged a pre-payment for a loan that wasnt used. Any help will be appreciated- thank you! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MI)

I sent money through western union and an hour later I received a call from western union asking me that they want to interview me and ask me few questions. And if i don't comply they will cancel my account and I won't be able to send or receive money through western union. The western union compliance department 's number that wanted to interview me is : XXXX. Another issue that might be related is that when I called the consumer financial protection bureau at XXXX, someone in XXXX answered???? What is going on? The CFPB has been hacked too.
Consumer complaint received 2019-10-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (FL)

In 2018, Collecto, Inc. d/b/a EOS CCA attempted to collect debt on on debt that is unenforceable, especially one that was originally at the about of about {$1500.00}. They were notified that XXXX XXXX Bank did not tell them the truth and they were told that I am contesting the the amounts. I am also contesting the fact that I am a XXXX veteran and they tried to transfer my debt to a third party, which I commanded not to communicate with me, which was after I commanded Collecto, Inc. to not communicate with me in any form, which they illegally disobeyed me. They dared to do this to a US Veteran suffering from XXXX, acquired in XXXX, XXXX.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

i was XXXX in XX/XX/XXXX in XXXX XXXX XXXX and XXXX in XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During that incarceration I was taken from the XXXX to XXXX XXXX XXXX approximately 4 times under my duress. I was transported from the XXXX in restraints under the supervision of armed guards. I tried to refuse but was threatened with punitive action including being forcefully restrained and carried by officers and solitary confinement. I did not choose to go to this hospital for treatment, I was forced. Records will indicate that I was a " client '' in XXXX XXXX XXXX XXXX during this time frame. As such, I was a XXXX of the State and these expenses fall within the responsibility of XXXX XXXX XXXX. These reports were lodged against my credit report without me having ever received any communication from any agency. When I learned of the reports I contacted XXXX XXXX, they informed me that they had contacted XXXX XXXX XXXX and XXXX had denied I was a client during that time frame. I contacted my Parole Officer Mr. XXXX, he contacted XXXX XXXX and informed them that I was in XXXX XXXX under a Blue Warrant he issued and sent them documents confirming it. XXXX claims that XXXX has recanted and now admit that I was a client during that frame and accepted responsibility. XXXX XXXX records now reflect that my ballance is {$0.00}. However, the reports were never removed from my credit. I disputed claims through XXXX with no relief. I contacted United Revenue Corp. who is the company listed as the reporting agency, and explained the situation to them. I gave them all the pertinent information. United Revenue contacted me back after their investigation and informed me that they finally got XXXX to admit that they were responsible for the financial obligation, however due to the time lapsed between the initial billing date and the time United Revenue contacted XXXX, XXXX would probably not pay the bill. I was further informed that if XXXX did not pay the bill United Revenue would hold me responsible and maintain action in not removing the report from my credit report. 

I am not responsible for these financial obligations, XXXX XXXX XXXX is, United Revenue should not be able to hold me accountable and issue punitive sanctions through inflating my credit report, especially after XXXX accepted responsibility to them.
Consumer complaint received 2019-10-17
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: ALLY FINANCIAL INC. (TX)

Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-07
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. (FL)

Getting an unauthorized hard credit inquiry deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of an unapproved inquiry. XXXX XX/XX/2023
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OR)

I have multiple issues regarding Equifax and am filing a complaint to resolve these issues. I have consistently contacted Equifax because I have been unable to access my account at my.equifax.com to receive my required by law credit report. I have also not been able to receive my credit report from annualfreecreditreport.com for my Equifax report. I have no issue receiving my report for the other credit reporting agencies XXXX  and XXXX. In addition, I have escalated this issue many times with many representatives over the past 3 months that have all failed to give me access. I have also faxed in my identity verification information to include my passport, social security card and current bank statement with my current mailing address. At the same time as me faxing my identity verification I sent a dispute for a fraudulent account on my credit file along with my FTC identity theft report asking for this information to be blocked on my credit file within 4 business days pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have a confirmation of the fax being received over 4 business days and yet the dispute has still not been initiated by Equifax. Equifax has consistently violated the Fair Credit Reporting Act and this should not be tolerated. I was also part of the data breach from Equifax and the item on my account that is fraudulent is most likely caused from that breach. I find it odd that the company that I'm filing a dispute with for a fraudulent charge on my credit file is the very same person that caused it and also placed it on my credit file. I also find it criminal that Equifax had the nerve to tell me that they could possible escalate this issue further to help me better if I was a paid Equifax Complete Premier member. So Equifax, the company that had a breach of my information and then placed the fraudulent data on my credit file is now trying to profit financially to help me better in my attempts to remove it.