davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX  Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # xxxxxxxxxxxxxxxx XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name XXXX XXXX XXXX XXXXXXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-06-03
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX BANK Acct # xxxxxxxxxxxxxxxx XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-06-25
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. (NY)

I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Delete Late Payment 3. XXXX Original creditor : XXXX XXXX XXXX 4. XXXX XXXX creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: First Data Corporation (HI)

My problem is with First Data which is a credit card processing company. They proccessed my credit card transactions for my small business, XXXX XXXX Hawaii. 

My contract ended in XX/XX/XXXX but they continued to bill me. They acknowledged that they owe me {$510.00} and said they transferred money to my bank account. It turns out that they attempted to transfer it to my old checking account at XXXX XXXX XXXX which was odd as they've been depositing and debiting money in and out of my current account for about two years prior to this supposed transfer. This was according to XXXX on XX/XX/XXXX, who is one the managers. He said he'd call me back but never did. 

I called again on XX/XX/XXXX and left a message for XXXX to call me back and he didn't call. On XX/XX/XXXX, I called again and talked to XXXX who got my current checking account information and he assured me the money would be transferred to that account. 

On XX/XX/XXXX I left another message with XXXX to call and, once again, he didn't return my call. I called later that day and he told me the money should be in my account on XX/XX/XXXX. 

On XX/XX/XXXX the money still wasn't transferred so I called and talked to XXXX. She put me on hold and said that she walked over to the finance department and watched them transfer the money and it should be in my account within 5 - 7 working days. 

It was never deposited so on XX/XX/XXXX I called and explained the situation to someone who didn't give me his name. He transferred me to XXXX 's line and I got her voice mail but didn't leave a message. I called later that day and talked to XXXX ( I'm not sure I got the name right but it sounded like a female ). She told me XXXX was out to lunch but assured me that XXXX would call me back within an hour. Needless to say, I did not receive a call back from XXXX. 

On XX/XX/XXXX I left another message for XXXX to call me but he hasn't. All the people that I talked to at First Data confirmed that I was overcharged the {$510.00}. Today 's date is XX/XX/XXXX and there is still hasn't been a transfer from them into my checking account for the {$510.00}. 

I have no email trail as you can not correspond via email with this company. Your advise would be greatly appreciated. Thank you.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (CA)

XXXX of 2022 I got a starter loan from XXXX  XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Consumer complaint received 2021-06-25
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: Santander Consumer USA Holdings Inc. (NY)

I have included information on accounts that are are reporting and not mine. 
1. CREDITOR : SANTANDER ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$30000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX 2. CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$20000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX
Consumer complaint received 2021-06-25
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. (TX)

Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries.

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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a 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.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Store Name : XXXX Date of purchased : XX/XX/XXXX Total charges : {$3800.00} Promotional Interest Rate : XXXX XXXX for XXXX year ( expired on XX/XX/XXXX ) Annual Percentage Rate : XXXX XXXX Total balance after promotional offer : {$730.00} Current balance now : {$1700.00} Interest charged : {$990.00} Deferred interest charges : {$950.00} THIS IS TOO MUCH CHARGES! They did not disclose how they arrived this overcharged fees. 

Thank you
Consumer complaint received 2018-11-12
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. (TX)

Hello : After filing disputes. Trans Union continues to report inaccurate Public Record. 

In XXXX, I tried to file bankruptcy, but the court rejected the claim based on my income was too high to qualify under Chapter XXXX. A year later, I reapplied under Chapter XXXX. Which was approved. 

Trans Union is still reporting that original void/denied filing. There is ONLY one filing from XXXX. I am enclosing the court documents to show the case reference and docket number. I am including a letter from my attorney, to show that the Trans Union Reporting reflects another Attorney 's name. 

My goal is for them to remove the erroneous original filed Bankruptcy. The one that that the court did not approve. Just like XXXX  and XXXX  have already verified through the courts and corrected my credit file. 

To be clear. My original XXXX filing was for Chapter XXXX. I did not qualify. A year later, I refiled under Chapter XXXX. Which was approved by the court. My legal counsel suggested before the case was discharged to convert to XXXX. Which is why the Discharge reflect XXXX. 

I realize it is confusing. However, the court can confirm the approved Chapter XXXX and the Discharged XXXX. All as being the same case. They can also confirm. That the original XXXX filing was denied by the court. 

Should CFBP need any of my Chapter XXXX documents. I can dig them out and forward. 

Thank you very much. 
Please see the attached documents. 

CASE NO. XXXX DOCKET XXXX ; DATE OF DISCHARGE ; XX/XX/XXXX HONORABLE JUDGE XXXX XXXX XXXX.
Consumer complaint received 2020-06-03
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. (GA)

XXXX XXXX XXXX ( collection department agency/attorney ... original creditor is XXXX XXXX XXXX for the amount of {$2800.00}. opened on XX/XX/2020.. Balance updated on XX/XX/2020.  The Bill is for a XXXX XXXX XXXX for XXXX. I am a female and my name is XXXX XXXX. I was formally married to XXXX XXXX   and resided at XXXX XXXX XXXX in XXXX Ga XXXX. XXXX XXXX has a brother named XXXX XXXX XXXX. its seems this bill belongs to him. I have reported this to law enforcement and the amount needs to be removed from my credit report, because I am not the responsible party for the payment. It is incorrectly reported and appears on my experian credit report. I have filed a dispute to this effect. Police case # XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 XXXX, social security number, and date of birth written on the form. Transunion, XXXX, and XXXX  refuse to send my free credit report.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (ME)

On XX/XX/19, my electronic payment to XXXX XXXX XXXX came into my bank. Later in the afternoon, I realized that I didn't have enough money in my checking account to cover the charge but I DID have the money in my savings account. I have overdraft protection on my checking so the bank will transfer money from my savings to cover any payment that comes in and will charge me {$10.00} for that service. I decided to transfer the money myself and save the {$10.00} feethis left me with a balance in my checking of {$8.00}. 

On XX/XX/19 I was charged a {$35.00} overdraft fee. I called TDBank today and spoke with both the branch manager,  XXXX in XXXX, Maine and the customer service rep, XXXX in the Call Center. I was told that the charge was due to everything being computerizedwhen the payment came in it was recognized as an overdraft, that night the computer tried to take the money out of my savings account but the money was not there because I had already transferred it, therefore I was charged the fee. I was told that I would NOT have gotten an overdraft fee if I had not transferred the money myself! They could not explain to me how they had the right to charge me since the money was in either my checking or my savings the entire time and I have overdraft protection. 

I had a long discussion trying to understand how this was legalhow they could charge me a fee when they were in possession of my money the entire time, they could not explain it other than trying to claim that " it wasn't in my account when computer looked for it. '' I asked to see where in writing this is explained or how they are legally able to charge methey referred me to the 55-page Personal Deposit Account Agreement where the actual situation was not addressed. 

The managers both told me that they were not able to refund the fee because I have been refunded overdraft fees 2x this year ( a complimentary service they do ). I understand that I have received this, I live on XXXX and there are many times that I have to manipulate money to cover bills and it doesnt always work. I don't believe that should matter though, this is not something that I did to cause my account to be overdrawn, the money was in my accounts the entire time and I don't believe that they had any right to charge me for this. 

I am not asking for a refund for a fee that I causedI am asking for the {$35.00} to be refunded because they had NO right to take it to begin with. 

Thank you for any help that you can provide.
Consumer complaint received 2019-08-26
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. (IL)

I have repeatedly tried to have XXXX, XXXX, and TransUnion remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-16
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: HCFS Healthcare Financial Services of TeamHealth (FL)

My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.
Consumer complaint received 2022-10-16
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: CCS Financial Services, Inc. (FL)

My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Inquiries : US SM BUS ADMIN ODA XXXX XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, TransUnion, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Consumer complaint received 2021-12-04
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. (TX)

EXPERIAN HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. 
XXXX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND EXPERIAN REMOVED THE ACCOUNT. 
THE ACCOUNT IS Account # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

A collection account from Debt recovery solution have been added to my XXXX   reoprt for a {$130.00} medical bill. I have insurance and the bill was paid in full by them and should not have a balance due. I have disputed with them at least 3 times and they have not removed. I did ask them to validate my debt and they provided me a bill showing that it was paid in full as stated by the insurance company. I am attaching that document with my complaint.