davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I did open a professional business account with U.S. Bank jurisdiction, applies to a checking account be respective assign XXXX XXXX XXXX, mine legal advisory and document company, then addressed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX, account, XXXX, and was attends professional business in XXXX, Ca. XXXX, purchasing pro-business type equipment accessories, " business cards, etc. '' from XXXX XXXX XXXX, when I did present the XXXX XXXX  clerk mine new U.S. Bank for business debit card in order make an about {$100.00} purchase ... '' Although the funds were at fact an unavailable jurisdiction mine relevant checking account, the " overdraft '' then was " paid '', even of an " high dollar amount about {$100.00} '' without my card be a true, for capable receive bank credit, " credit card ''. " I was not supposed to get an about {$100.00} credit, apply mine type of pro-business checking account... 
I was later, after I inquired of mine U.S. Bank account, occur an " insufficient funds, overdraft fee '' and a " negative balance attends to mine relevant account U.S. Bank 's records '' ; " I did occur an injury upset mine of VA doctor diagnosed, XXXX XXXX XXXX, compel me use VA prescribed medications, XXXX, and other, suppress then and further illness, injury ''. 
" I was never provided an claim form ( s ) regards the injury and pro-business loss, inconvenience occur by fault U.S. Banks errors, card 's malfunctions, after I did inquire, ask for one, and within a professional business written letter forms address represent mine then, dba., XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX : Acct # XXXX XXXX  : Account # XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Have 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 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX  had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by XXXX which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this XXXX forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NJ)

I am being sued by XXXX XXXX and Pressler for an old debt that I have no evidence that it even existed. They harass and threaten. They have no original paperwork, no papers of payment, no papers of default.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (FL)

Per the FCRA as a federally protected consumer. I am now opting out any and all authorized. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C 6802b ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Consumer complaint received 2022-08-27
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. (MI)

In accordance with the Fair Credit Reporting act 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 2019-10-15
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: Transfinancial Companies, Inc (LA)

I have made several complaints and sent in all requested information to this company and they still are reporting inaccurate information on my credit reports! This company is using an inaccurate social security number on these alleged medical bills. Transfinancial Companies has continued to report the accounts in the amounts of {$940.00} and {$330.00}. This is outrageous that this company has been allowed to continue to deface my credit report with incorrect information. This is against FCRA rules and regulations and should be removed immediately.
Consumer complaint received 2019-10-15
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (NC)

i recieved a phone from miss XXXX XXXX verifying me by my last 4 social the i asked her what this was concerning she said a student loan debt from XXXX She then proceeded to tell me that student loan debt is never over and they would have me served a summons if i did'nt comply.. i asked about the statue of limitations on private student loans and she got very angry and said she just have me served a summons and hung up on me.. Of course i became afraid she also called my job and they called me ... i was told by miss XXXX they could garnish my wages and take my taxes.. i was called from these numbers XXXX and XXXX i just want to know if this is legit and if there is a statue of limitations on private school loan from 20 years ago thanks..
Consumer complaint received 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

I have tried on multiple occasions in 2022 to have an inaccurate Collections account that has been on my credit report. This company kept on harassing me by phone calls. The reporting agency has refurnished this derogatory information which has caused me to be unable to have access to conduct fair consumer transactions such as purchasing a home.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I am not liable for this debt with XXXX XXXX  and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 
Account No : XXXX
Consumer complaint received 2019-10-15
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. (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 2017-07-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I 'VE HAD CALLED XXXX ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS
Consumer complaint received 2023-01-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX Balance Owed : {$310.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-30
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. (OH)

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. 

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 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 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (CA)

American Honda Fianc is threating to report a negative on my credit for lack of payment. I have never missed a payment on the auto loan that I am a co-signer on. 
The co-signer on the loan had her bank accounts hacked which made her auto payments return as frozen account. I was made aware of the problem as the other co-signer and I brought the account current with in 48 hours. I might also add that the car was involved in a auto accident and was a total loss. The insurance company sent AHF XXXX XXXX dollars which made the account16 payments ahead of the contract. I have talk to Honda Finance and they are being very rude about the problem. I was never notified by mail or by phone that the account was going in 30 and 60 day late. I also have GAP insurance that are taking there time in paying the car off. Can someone from your office please let Honda know that are not being very consumer friendly, and they are required to notify the consumer of any negative action to the consumers credit report.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2022, I sent an international transfer of {$230.00} to a person in The XXXX I have been sending to for almost 5 years straight. Nothing changed on either end as far as bank accounts, names, etc. 

On XX/XX/2022, Moneygram notified me that the transaction was in progress. 

On XX/XX/2022, Moneygram notified me that the transaction had been sent I checked with the recipient on XX/XX/XXXX, and she had not received the money. I checked with her again on XX/XX/XXXX and she still had not received the money. I looked online in my Moneygram account and it said " Additional Info Needed '' which had never happened before. I checked my bank account and the money had been withdrawn on XX/XX/2022, and was being held by Moneygram. 

On XX/XX/2022, I called Moneygram. I spoke to XXXX CSRs that day. The first XXXX told me something was missing, and the last one told me it was a technical error. He said it was sent to IT for a resolution and to wait XXXX hours. And that he would escalate it. 

I waited XXXX hours and checked with the recipient. No money. On XX/XX/2022, I called Moneygram again. I was told, again, that it was a technical error and was in IT. And to wait another XXXX hours. I asked for a refund so I could re-send, and informed them that they were just holding my money, and they said no. 

I waited another XXXX hours. No change. On XX/XX/2022, I called Moneygram again. The first CSR insisted something was missing that needed validation. I explained that I have been told repeatedly it's a technical issue. She transferred me after saying she could not resolve the issue. The next CSR told me it was a technical issue in IT and to wait XXXX hours. I asked for a refund, and he said no. I asked for an XXXX on this getting fixed, and he said I would just have to wait XXXX hours and call back. I explained, again, the urgency of getting this money to the recipient. She is sick and needs to see a doctor. He just said sorry, and to wait XXXX hours, and he would escalate ( which had already been tried ). I asked again for a refund and he said sorry, they can not give me a refund. I told them they can not just hold my money indefinitely, and he said he agrees but he can not give me a refund. And I'll just have to call back in XXXX hours. 

As I told the CSR, I can not just have them continue to hold my money and tell me to call back every XXXX hours, and also refuse me a refund so I can re-send the money. I am at a loss as to how to either get my recipient her money, or get my money back.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

I have been going through a financial hardship including job loss along with taking care of my father who was in the XXXX  XXXX. This creditor wasnt willing to work with me. I also had to get a new bank account as well. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

following company has fraud my identity and reported charge not true. the charge amount as reported there is no accuracy and totally unknown for my concern. 

JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, twice they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I no longer use their website because of this issue. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-10-07
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2019-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Around XX/XX/2008, I contacted Navient to be a part of the Public Service Loan Forgiveness since I work for a non-for-profit. Navient informed me that I was approved through them and to keep making payments and filing for Income Based Payments each year, which I did. Towards the end of my 10 years of payments, I filed the form to see how many more payments I had left and was told that I had none that qualified under the program because I never consolidated my loan, even Navient informed me that I did not need to file any other forms or do anything. I have proof of all payments made for the last 10 years and would like those payments to be counted towards the Public Service Loan Forgiveness.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

XXXX has two closed accounts on my credit report, both are auto loans, one for the ammount of {$8300.00} which was open XX/XX/XXXX, reported XX/XX/XXXX, this loan was paid off when insurance ( XXXX XXXX ) cut the check directly to them for my auto accident for this auto loan. One for the ammount {$10000.00} which states it was open XX/XX/XXXX, reported on XX/XX/XXXX and closed XX/XX/XXXX. Both accounts were paid off in full. With not one late payment. They have negative remarks about my payment history that has been affecting my credit for 4 years now. I have loans from the department of education/Navi showing a {$0.00} balance still on my report with negative remarks about my payment history. I have many student loans on my report at a {$0.00} balance that were paid in full and either closed accounts/sold accounts/ or months over 7 years old with negative remarks about them being deragatory. I have an account on my report from the u.s department of education opened on XX/XX/XXXX that were just reported on XX/XX/XXXX. I have a account in collections from XXXX that has been removed from two of my credit reports because they knowingly supplied false information to obtain a debt. I am XXXX years old, 50 % of my credit report is inaccurate and or false. I have many negative remarks about my payment history that are not true and I have suffered from it for the past 4 years now. I have been unable to buy a home, open a credit account, I have even been denied a bank account before because of this, I have been denied apartments because of my credit reports and the false or inaccurate information demeaning my reputation indirectly claiming I have poor payment history or I can't stick contract or payment plan. I couldn't even get an opportunity to lease a new bed I have needed for my daughter for the past year. I have filed disputes to have these matters taken care of and I can no longer not take action it's time to fight for my credit freedom.