davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2022-09-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 2020-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance Corporation had a lien placed against our home. The debt was placed with an attorney. The debt was paid via wired funds to the attorney from the closing of my home. I emailed, and requested multiple times to the attorney to please have it removed and documented through the courts and they took weeks to document it. I just reviewed my credit and my wife 's credit and found out every month Credit Acceptance is posting to our credit " repossession '' and " no payment made ''. They do this every month. This debt is from XX/XX/2015. I would like to have all of the reporting removed from my credit. It has been paid in full.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (VA)

The PNC interface for business credit card shows up on my consumer account. On the consumer account, the interface says " Amount Due : {$0.00}. '' However, this is inaccurate, conflicting with information elsewhere on PNC.

I pointed out this GLARING, MISLEADING ERROR to PNC, but they still charged me a service fee as my " courtesy waiver '' was not available.

By any reasonable objective standard, this is not a request for a courtesy credit. This is a request for a credit due to MISLEADING INFORMATION on their poorly administered site.

I appreciate your help curbing the abuses in this sector, because recent history shows that companies like XXXX XXXX and perhaps PNC will use consumers like doormats if given half a chance.

The manager is XXXX XXXX.
Consumer complaint received 2022-10-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XXXX, 2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XXXX, 2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written XXXX and Equifax!!!!
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (GA)

On XX/XX/XXXX, I sent a letter by certified mail to the credit bureaus stating that this debt does not belong to me. This is for an apartment that was in my mother 's name in which she filed a XXXX  XXXX and this apartment complex was listed on her list of creditors. My sister and i were living with my mom at this apartment complex but only as occupants and they are trying to make me pay for something that had to do with my mom. The collection agency is called Quality Recovery Services and the amount is for {$9100.00}. Despite my written requests, the unverified item mentioned above still remains on my credit report in violation of Federal Law. In the results of their re-investigations, they stated in writing that they verified that these items are being reported correctly? They still have not identified who in their company verified the accuracy of this account or how they verified it? 

I had previously pointed out to them, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is this company must be willing and able to produce a document that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in your their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury.

They failed to provide me with verifiable proof required for their company to post the account listed above is evidence that it does not exist and therefore is proof that they cant properly Verify the accuracy of this disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

So can they please delete this from my credit report.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC. (HI)

This bank has chosen to really annoy, inconvenience, and XXXXXXXX XXXX XXXX  over the past month and I am not just going to take it! 
Last month something started that caused me to be locked out of my account requiring a support center call. It happened again earlier this week. 
The other day after logging in multiple times via the website and the app my account balance was positive $ XXXX. I knew that the next day I would tentatively have a deposit of $ XXXX and a charge of {$30.00} against the account along with another charge of {$180.00} for that day or the next day. 
Upon logging in to my account that afternoon I realized that my balance was off by {$30.00} only to discover that my account was charged an errant {$30.00} overdraft fee. 
Sometime after midnight they began to process batch processes and they processed all charges against the account first then charged a {$30.00} fee before finally and lastly processing the $ XXXX deposit to the account. Normally, their system is not supposed to charge a fee within this window for this very reason. Something was changed that made the fee charge immediately as soon their system, while still processing batches, saw the balance dip into the negative. 
I contacted them and they falsely noted balances of my account from the previous day to justify the fee then responded with another XXXX and condescending message today accusing me of not tracking my expenditures which XXXX XXXX XXXX XXXX XXXX I believe that was their intention. I make entries and track all of dollar involved transactions daily, which is why I am sure about what is going on with this bank. 
They tried to blankly blame my EFTs ( electronic funds transfers ) as the reason for the overdraft, which is absolutely ridiculous and everyone has EFT transactions toward their account to pay bills, move money, and receive funds, etc. 
I absolutely do not deserve to be treated like this!
Consumer complaint received 2022-03-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXXs n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-07-07
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. (AK)

XXXX XXXX XXXX XXXX gave information about my account without my consent, to all three credit bureaus, which is against the law-15 U.S.C. 1681 section 602 A states I have a right to privacy ; no written instructions to be put on my credit report.
Consumer complaint received 2024-04-04
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Healthcare Finance Direct LLC. (NH)

Healthcare Finance Direct continues to attempt to collect for XXXX XXXX XXXX which went bankrupt in XX/XX/2023 a couple of weeks into the medical services they were providing me. They failed to deliver on a dedicated concierge and live and in person XXXX  checkups as they had agreed to in the contract within a couple of weeks of starting my care with them as a XXXX  patient.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XXXX XXXX XXXX I called the bank to open a fraud dispute on my debit card under the case XXXX. 

I said that the last valid transaction was the ATM Withdrawal {$20000.00} XXXX XXXX de XXXX. 
The claim was denied because there are transactions not disputed on the same area before or after. 
I was traveling in XXXX when is happens, I withdraw money and I lost my card, I noticed on XX/XX/2024 when I access to my online banking and proceed to lock the card. 
Please proceed with the fraud dispute taking the last valid transaction the ATM withdraw.
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name, address below listed on my credit report is not nor has ever been an address in which I resided and does not relate to me. It is the result of identity theft. I have contacted Transunion many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in time frame given.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NY)

I honestly no longer want to be in contract with bank. its predatory. they have charged off my car loan and continue to call me obsessively. I would like to get my title. I never received a copy of my title at all and when requested I was denied. here in XXXX we can not register the car without a title. I purchased the car in XXXX  and never got a title at all. I can't register my car therefore ca n't drive it. it's been over a year now.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a call  from   XXXX   XXXX   XXXX     XXXX      XXXX   XXXX    ,  XXXX , IL  XXXX . A  "  XXXX   XXXX  '' left me a message to return his call at  XXXX , The call was spoofed as "  XXXX  '' I guess to appear as a local number so I would answer. I returned the call and talked to  XXXX   XXXX  and he advised me it was a an attempt to collect on an old  Capital One  credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whol e nine ya rds. he just refused to accept that I did not want to speak to him. My issue wi th Capital One  is between myself and them. If they have chosen to sell the debt some day i  may  be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from  XXXX  which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Sectio n 807 : A debt collector may no t use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of sectio n 808 as well : A debt collector may n ot use unfair or unconscionable means to collect or attempt to collect any debt.  <P/> I want the calls stopped and I want an investigation into the violations I cited above
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XXXX XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XXXX XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes XXXX, Transunion and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XXXX 's payment and paid on XXXX XXXX, for XXXX, but I have never ever been 30 days late!
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (TN)

I am aware that all " debts '' or " contract bonds/notes '' are PRE-PAID at the time of issuance of these contracts, by my UNITED STATES OF AMERICA 'S corporate/commerce entity 's ( which I am the authorized representative/beneficiary to ) XXXX XXXX XXXX XXXX held in the federal reserve bank. I have notified these DEBTOR companies of their fraudulent claims and reports, that they are misrepresenting the contract TERMS, by definition, who is to " pay '' these debts and whose CREDIT it is GRANTED by. My personal signature, or agreement in allowing access to the trust by providing the SSN, is assured by the Securities in TRUST, and is granted unlimited credit- without pre-judice or discrimination. This complaint is in accordance to UCC and USC codes pertaining to the above mentioned. 

DONE IN GOOD FAITH- ALL RIGHTS RESERVED- GIVEN FOR PATENT RIGHT : XXXX : of the family name XXXX, formally from the XXXX family Authorized representative to the " XXXX XXXX aka ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all other derivatives of these names- accounts.
Consumer complaint received 2022-09-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I just got a letter in the mail about the data breach for Capital one. I have a Case no. and I have just still trying to get things straight after the XXXX   breach. 
I want to know why nothing is being done to protect me from this again So now my information is out there for thieves again.