davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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: Bread Financial Holdings, Inc. (MI)

I went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I've not persuaded the 3 Credit Bureaus efficiently please the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information on CAINE WEINER. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.
Consumer complaint received 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (FL)

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MORTGAGE XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized EQUIFAX MTG Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants Adjustment Service, Inc. (AL)

Did not received written disclosure from company concerning, only received bill via text message, did not receive notification of rights or a USPS delivered mail containing debt information.

Debt is disputed, and not mine, but the manner through which they texted me was deceptive and would have disclosed personal information to another party if viewed.
Consumer complaint received 2023-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS , INC. fraudulently attempted to collect an alleged debt without providing proof that a debt is owed. They do not have a contract with my signature and I have asked them to provide this information but they can not because there isn't one. XXXX XXXX illegally sold this account to MEDICAL DATA SYSTEMS , INC., when the account was already paid on the date of service. MEDICAL DATA SYSTEMS , INC. has charged off the account and is adversely reporting to XXXX that I am indebted to them. All of this is being done WITHOUT my consent, pursuant to The Privacy Act of 1974.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to get TRANSUNION to fix an error on their end for 4 months. I have spent 6+ hours on the phone, spoken to over a dozen CSRs, MAILED in a fraud complaint from the FTC in XXXX and tried XXXX . I can not get them to remove an errant hard inquiry. I am at my wits ' end. They should be accountable to someone...
Consumer complaint received 2022-05-17
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello, I used to have a credit card with Capital One. Few years ago for non payment they took me to court and I didn't appear because I was sick and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past two years. Capital One has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them.
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act 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 2022-10-27
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. (GA)

My name is XXXX XXXX and this is not a Third Party Service! 

The credit bureaus gave repeatedly and continuously abused me and my consumer rights! They have misled me, they have lied to me constantly, they have given me information that stalls and hinders the fraudulent information on my account. 

I have spoken to every representative from each of the bureaus and they have each told me different stories to attempt to hinder my FTC Report. I was told my XXXX to send in my FTC Report through fax with two forms of identification and a cover letter and after doing to was told my fax never came in. 

I was told by Transunion to send in my paperwork through the mail and they have told me that I needed to be more specific with information even after being as specific as I can be. 

XXXX has blocked me from deleting fraudulent address that I have attached to my FTC Report stating that they wont delete it. 

These bureaus are following their own rules and not those laid out by the FCRA. I can not understand how the bureaus are continuing these misleading conversations and are ignoring the information provided and then stalling with sending letter saying that there are errors when there are none I am demanding that these fraudulent account be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and damaging my life as I know it. The bureaus have taken advantage of me and are biding me by the credit bureaus that they serve. They are not for the consumer but instead are ran but the creditors and will display any information they want them to even if fraudulent as in my case.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I have had to make a total of XXXX visits in maybe XXXX weeks and this is my XXXX complaint! Wellsfargo on XXXX in XXXX Texas is the worst. My grandmother passed away on XX/XX/XXXX. the XXXX time I went to wellsfargo was XX/XX/XXXX for assistance, since the first time I waited XXXX minuted and finally got to someone and oh were closed now. I was told to scan the death certificate online on XX/XX/XXXX and make an appointment since the scanner was not working for them to upload the documents I gave. The guy told me since I don't have the safe deposit key they will cut the box open. When I go to the bank on XX/XX/XXXX for my appointment where I detailed what I needed and I have no key to the box XXXX called wellsfargo reps for help cause she could not see the death certificate. so legal verifies it and ask if I have probate. I said no I have a XXXX XXXX, will and I'm on the death certificate. XXXX says a XXXX  is not valid when they die and not in any state. I said that is a lie a XXXX  is not valid upon death it says it on the last page but a XXXX is valid after death and legal is lying I can call my attorney and you can call the courts downtown XXXX XXXX. I did not bring my documents because I did what I was told already online and scanned it. Finally I'm told their is a form for me to sign that the bank will notarize and then I have to wait a week to get the box drilled open and have to wait 30 days from her death to sign the form. I was mad cause I should have been told this and I had to go back on XX/XX/XXXX the day I was going out of town that pushed my trip time back to leave but that doesn't matter to wellsfargo. XX/XX/XXXX XXXX XXXX helped me and asked me for the XXXX death certificate that i already uploaded to you people and was verified and plus social security verified her death and yall sent me letters the first week of XXXX of it! Now XXXX tells me oh this will take XXXX XXXX XXXX XXXX has to upload the death certificate and fillout the form for legal this is nonsense and a waste of time XXXX XXXX should have told me this yesterday but no she didnt! The lack of communication and misinformation is ridiculous and embarrassing for wellsfargo. XXXX misinformed me and delayed my plans. I took responsibility of my grandmother and she trusted in me when she was a live and that when she died I would handle her affairs responsibly and wellsfargo gives me the run around. Truly this is terrible how the bankers at this wellsfargo are not willing to help you unless you have an appointment, they push for appointments when you should be able to walk in to the bank and receive assistance its their job! It's what their paid to do. Apologizing does absolutely nothing, do better! Educate your staff and give a XXXX about people 's time. When I spoke with XXXX after telling her initially I wanted to close the accounts and open the safe deposit box she asked if I wanted to keep the accounts open and them in my name.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (RI)

On XX/XX/XXXX at approximately XXXX PM, I transferred money from XXXX XXXX to XXXX via my debit card to the Peruvian bank XXXX, under the name of XXXX XXXX XXXX, for the amount of {$410.00} plus a {$2.00} transaction fee. The transaction was conducted through the Western Union app for XXXX. An the transaction number was XXXX On XX/XX/XXXX, Western Union deducted {$410.00} from my account. 

Today is XX/XX/XXXX at XXXX PM. I contacted Western Union, and they informed me that they couldn't locate my money and advised me to wait an additional XXXX business days, making a total of XXXX days. I explained that the funds were needed for an emergency. I find this unacceptable and believe that my rights as a customer from the state of Rhode Island have been violated.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

CitiBank continues to steal my money. 

On XX/XX/XXXX I tried to make an online order for {$210.00} at XXXX XXXX XXXX but the transaction kept being declined. When I looked at my account I saw that Citibank debited the amount twice. Now I do not have the order and am out/ can not access over {$400.00} of my money to pay other bills. When I called, they explained that this happened because of a system-wide XXXX issue on the date I made the purchase. These debits are pending and they will not do anything to release it even with available knowledge from the merchant that no orders were processed. I am just to wait until they decide to remove these debits and have XXXX concern for my inability to access my own funds. I have to pay other bills and now I can not. It's not the first time I have this type of issue with Citibank. In XXXX of XXXX XXXX contacted me that my XXXX account had been accessed. There was a charge of {$76.00} that was fraudulent. I live in XXXX XXXX and this was placed from an XXXX XXXX XXXX XXXX  and delivered to XXXX XXXX. I disputed the charge but after a few months Citibank said that they believed the charge was done by somebody who knows me which is completely untrue. In XXXX of XXXX I appealed that decision and provided the email from XXXX that my XXXX account had been hacked right at the same time the purchase was made. It is XX/XX/XXXX and this has not been resolved. 

Citibank does nothing to protect my money and provides zero customer service or solutions when you call with these types of issues. At Citibank, my money is at risk of being taken and never returned. I want to close my account but I am still waiting to have my money return to me before I can even do so. This is unconscionable and their lack of regard for clients is disgusting.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (CA)

I repaid delinquent accounts with an agreement to have the accounts removed from my credit report. None of the accounts have been removed and it has been over 120 days, or a reasonable amount of time. Please help to get the accounts removed.
Consumer complaint received 2019-11-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

myself and my lawyer was told a pay off amount on my mortgage. That amount was paid well in the time allowed check was received by them XX/XX/XXXX. But then we was told that there was more fees added to send more money. The lawyer had sent out a second check that was received by them XX/XX/XXXX with in the 3 day they had returned the first check instead of holing it or applying it to the loan. Then returned the second check. Then it took myself and my lawyer over too weeks to get a new pay off number from them. Within this time they had reported to my credit report a 30 day late which greatly affected my score and is stopping the my from buying my next house.
Consumer complaint received 2022-10-27
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. (AL)

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 2022-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (CT)

On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to Capital Management Services , LP for the alleged debt they are attempting to collect from me as an alleged debt collector for XXXX XXXX. I already submitted a complaint against XXXXXXXX XXXX  for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are 2 companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which Capital Management Services , LP received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Equifax. I never received any correspondence from Equifax on any investigation before this item was furnished or I did not receive any correspondence of results of Equifaxs investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, Equifax has assumed this vital role which they have neglected to accurately do which is their grave responsibility. They have not followed the procedures that XXXX has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Equifax has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm. 

Please update this information to paid never late and respect my rights that XXXX has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to Deleted from my consumer report and updated to read never late pays on time. My rights have be violated and Equifax has broke the law.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Trying to send money to XXXX  relatives XXXX XXXX XXXX. Transfer has been held up for over three weeks, showing " We're running some checks. '' Customer service says this is standard and will take 10 business days at most, which have already passed. Refuses to furnish more details, unable to cancel. Looks like it'll be held up indefinitely.
Consumer complaint received 2022-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Srction 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
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. (IL)

I was advise by Transunion, XXXX that my 2017 Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened.

15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions