davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX, acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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 2021-12-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and  removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Associates of Maui, LTD (HI)

Account is showing a {$500.00} charge. I did not have an account with XXXX XXXX in since XX/XX/2019 the month I switched to XXXX. They are trying to charge me for cable that I did not use. I switched back to spectrum in XXXX. I called telecom prior to close my account on the day of my scheduled install. I originally thought the charge was for equipment that I turned in XX/XX/2019 and XXXX XXXX informed me that they charged me well beyond what I would of been using them.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

I was told that this information was no longer on Equifax but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on XXXX as well.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (NY)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-12-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX
Consumer complaint received 2022-05-03
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. (MI)

TRANSUNION responded to a complaint stating follow-up will be within 60 days. Law allows a 30 day window to respond.
Consumer complaint received 2021-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

I sent payment using PayPal credit when the payment was requested from me I inadvertently created a duplicate transaction upon realizing that. I notified PayPal that the second transaction was only a duplicate. and it not to been processed. I later found out that the first transaction was not paid to the recipient. so the recipient has not received any of the payment. 1. PayPal has failed to accurately update my account to one reflect the cancellation of the duplicate and 2. PayPal has failed to refund the transaction that the recipient was not able to get. so now I am being charged interest on to {$400.00} transactions which have gone nowhere because the recipient has not received the authorized 400 plus the cancellation of 400 which was a duplicate and PayPal is not canceled the payments and I am being charged interest for almost 2 months yet the funds have not been paid to recipient, the other {$400.00} amount is a duplicate which I requested to have cancelled and it too has not been cancelled causing me to accrue interest unnecessarily.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I attempted to make a cash deposit at a Bank of America ATM on XX/XX/XXXX of {$980.00}. The machine spit out {$60.00} of my deposit and ended the transaction. I checked my balance and it did not reflect the new transaction. I contacted the automated teller assist and they printed a receipt for me to call to file a complaint. 

I filed the complaint and they gave me a temporary credit. Now, they are saying they can not find the deposit and the video shows that all of my money came back out. This is simply not true! They will reverse the credit on XX/XX/XXXX. 

They also told me to contact the police department to get a subpoena so I can review the video. The police department says they dont do that. 

Im at a loss as to what I can do. I have spoken to 8 bank representatives about this.
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I had a wellsfargo bank account and had a credit card with them. Then my debit card got stolen and they started doing fraudulent stuff in my account and Wells Fargo chose to close my accounts. It was closed on XX/XX/2016.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-12-07
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND  THE XXXX data  breach and may have gotten into the wrong hands.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On the evening of XX/XX/2021, I wanted to check my credit report with XXXX, XXXX, and TransUnion on their websites. I have not done this before, yet the first XXXX services caused no issue. 

My issue is with TransUnion. The TransUnion website is purposed designed to be misleading in order to trick the user into paying money by accident. When clicking on " Get Your Score '' the user is led to first provide personal information such as name, address, and SSN, then create an account, and then enter credit card details ; the text and layout of the page suggests that the information being collected is simply to verify your identity. Even if I was to be charged, I expected a " Confirm your order '' type of page which shows the amount about to be charged before the card is actually charged, just like literally every other online purchase I have ever made. Bear in mind that I had no intention of paying anything, I just wanted my free credit report. After entering card details, the button below was labelled " Next Page '' or something to that effect, instead of " Purchase. '' When I clicked that button, I was astonished to learn that I immediately was charged {$24.00} ; not only had I not known that I was going be to be charged this amount, but I did not expect that I was even purchasing anything all at on this website! I'm actually still not sure what I even paid for. After that, I immediately tried to undo/cancel the transaction on the website which of course isn't an option, so I tried to call but TransUnion 's offices were closed. I know I call the right number because a robot responded to tell me that it was TransUnion 's line and they were closed. So an hour ago ( Tuesday, XX/XX/2021 at XXXX PM XXXX, which is within their stated buisness hours ), I tried to call again and their line basically rung forever with no answer. I tried XXXX minutes after that and still no result. Note that the number I used is found here : https : //membership.tui.transunion.com/tucm/support.page Afterwards, I went to check out the website in a different browser and realized when signing up there is a banner with smaller font than most of the text hidden off to the side that is purposely disguised like some kind of internet banner advertisement and hidden between XXXX other banners which shows the XXXX $ fee. Even seeing it, it can easily be mistaken for an optional service that can be declined because it is so out of the way and TransUnion supposedly offers free credit reports. It should also be noted that the payment is actually a monthly recurring subscription to further take advantage of unaware buyers. 

I'm very disappointed with TransUnion. I have never accidentally bought something online before and I consider this a scam. I would like reimbursment.
Consumer complaint received 2021-12-07
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. (NC)

I have reached out to the credit bureau about several inaccuracies on my credit report. Based on the FCRA these inaccuracies must be validated or removed within 30 days. 

I have not received a deletion nor any documents that I have personally signed to represent anything validate on my credit report.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-12-14
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION (AL)

The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RECOV ASSOC XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX XXXX account XXXX 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
Consumer complaint received 2022-05-03
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. (NC)

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. 
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.