davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 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 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 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 XXXX XXXX XXXX XXXXXXXX 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 BANKRUPTCY XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX Capital One sent a check for a credit refund on my credit card. They sent it to my previous address. They sent two checks for refunds for two different credit cards. One I did receive but the one they sent to my old address I never received it. I had been in XXXX with the XXXX since XX/XX/XXXX and just finished XXXX in XXXX. Needless to say that I did not have access to my phone. So, when I came back home I tried calling capital one to let them know that I had not received one of the checks and after a while in the phone they hung op on me. I called them on XX/XX/XXXX and then again on XX/XX/XXXX with the same results. Nobody was willing to help me.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX 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 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AZ)

Discover Bank, by and through its counsel, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, AZ XXXX, sued me for a credit card debt in which I did not owe under alleged account stated and breach of contract, and a judgment was issued against me for {$6600.00} ( XXXX Justice Court Case XXXX, filed XX/XX/XXXX ) on XX/XX/XXXX. I appealed the decision of the XXXX Justice Court to the appellate court ( Superior Court Case XXXX XXXX ). On XX/XX/XXXX, the appellate court ruled in my favor stating Discover Bank was not in standing to sue. The appellate judge found Discover Bank to be in violation of several state laws under Title 6 because it lacked the required state and/or national licensing and permits to legally engage in the business of banking in the state of Arizona. Wherefore, the judgment against me was reversed and vacated by the appellate court on XX/XX/XXXX. 
The appellate court stated that Discover Bank was in violation of A.R.S. 6-201, 6-217, 6-322 ( A ) because it is not licensed through the Arizona Department of Insurance and Financial Institutions ( or as a National Banking Association ) to legally engaged in the business of banking in the state of Arizona, which included, but not limited to, opening an account for, extending credit to, me as well as trying to collect on an alleged debt.

Inasmuch, it has since been verified that Discover Bank is in violation of A.R.S. 6-391, unauthorized conduct of banking business and false representation, by eng
aging in the business of banking in the state of Arizona by the use of the word " bank '' in its corporate name because it does not maintain a banking or branch office as defined A.R.S. 6-330, and pursuant to A.R.S. 6-391, it is unlawful for Discover Bank to engage in this state in the bank business as defined by A.R.S. XXXX. 
Therefore, I am filing an official complaint against Discover Bank AND its counsel, The XXXX XXXX XXXX XXXX, based on the following : 1. Slander, libel, defamation of character, and harassment ; 2. Violations of A.R.S. 6-201, 6-217, 6-322 ( A ), A.R.S. 6-330 and A.R.S. 6-391 ; 3. Participating in fraudulent schemes and artifices pursuant to A.R.S. 13-2310 ; 4. Illegal control of an enterprise and/or illegally conduction an enterprise pursuant to A.R.S. 13-2312.

5. Deliberate indifference because Discover Bank, by and through its counsel, The XXXX XXXX XXXX XXXX, displayed a conscious, reckless and blatant disregard of the consequences of it actions and omission by pursuing debt collection activities against me knowing full and will it was in violation of several Arizona law under Title 6 and Title 13 and causing harm and knowing its actions would cause harm against me would result.

6. I am not the only victim! How many people has Discover Bank illegally sued and fraudulent acquired judgments against consumers in violation of Arizona law!
Consumer complaint received 2022-06-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX h

as 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 2022-03-06
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. (GA)

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX  XXXX
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX 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 2022-06-19
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. (VA)

In accordance with the Fair Credit Act 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 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

I have been with this bank for 20 years and have had maybe one fraud case before. I was locked out of my account recently and waited and waited for close to an hour without getting anyone to get back in so I hung up. About 3 days later, my regions card was declined, which is odd, since I have over XXXX put into my account a month. I finally got into my account and found I was hacked with charges from back in XXXX for around {$3000.00}. I went to the bank and put in a claim, since I had no idea of the vendor and wanted to dispute. I put in the claim on Monday and received a small credit of about XXXX that included fees. I went to the mailbox today and received 4 pages of explanations of why they denied the claims. Now, these are some of the SAME VENDORS THAT THEY PAID EARLIER. I get an explanation of VERIFIED WITH CARD CREDENTIALS, which is false. Not one person called me, and some of the same vendors they credited my account back for and stated the items were paid and the claim was valid. The claim number is XXXX and XXXX. I am not one that sits there and looks at my account, since I put so much money in a month, but wouldn't the bank think it's odd that I was XXXX and NEVER contact me? This is BAD BUSINESS to not even investigate. It also states on the denial that NO REPORT OF CARD, THEFT OR COMPROMISE. These items are ALL online!!! I AM LIVID and BAD BUSINESS, not to mention the close to XXXX they made on me on OD Charges!!
Consumer complaint received 2018-08-07
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, Transunion ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX  , transunion ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, XXXX   ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, transunion ) , Bankruptcy ch 7-dism Ref XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX ( XXXX, XXXX, , Transunion ) , XXXX XXXX Acct XXXX ( XXXX, , XXXX, transunion ) , XXXX XXXX ( XXXX, XXXX, , Tranunion ), XXXX XXXX XXXX ( XXXX. XXXX, TU ), XXXX. XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act 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 2018-08-06
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. (CA)

I DID NOT AUTHORIZE AN EXTENDED FRAUD ALERT TO BE ON ALL 3 OF MY REPORTS FOR OVER 7 YEARS I NEVER WANTED A FRAUD ALERT PLACED AT ALL DUE TO THE NEGATIVE CONNOTATIONS IT BRINGS I FROZE MY REPORTS TO STOP ANY ADDITIONAL FRAUD I WAS VICTIM TO PREVIOUSLY. THE BUREAUS TOOK IT UPON THEMSELVES TO ADD THE EXTENDED 7 YR ALERT AND IVE REQUESTED 3 TIMES TO HAVE IT REMOVED AND HAVE BEEN IGNORED I WANT THE ALERT REMOVED NOW FROM ALL THREE BUREAUS
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and XXXX, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX XXXX ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX, XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from XXXX. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.
Consumer complaint received 2022-03-06
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. (MD)

Medical Bill from XXXX XXXX for {$270.00} - date of service is XX/XX/XXXX. 

XXXX XXXX did not bill both of my insurance providers- XXXX XXXX and XXXX, which caused a negative collection item on my credit reports. 

My XXXX XXXX ( XXXX ) coverage is through my wife 's employer at XXXX XXXX. The process is that XXXX XXXX or any provider should bill XXXX XXXX ( since XXXX XXXX has more than $ 100K employees ) and once payment from XXXX is received, the provider needs to submit the amount XXXX paid and any remaining balance to XXXX for payment. 

XXXX XXXX did not follow the proper billing process in over a year since I sought treatment at XXXX XXXX in XX/XX/XXXX. I did not receive any bills or calls to collect payment from XXXX XXXX or XXXX until I called both of them in XXXX XXXX. 

So, I discovered that XXXX XXXX engaged a collection agency, XXXX XXXX, XXXX ( XXXX ) to request payment for {$270.00}. I learned of this action in XX/XX/XXXX through a credit reporting alert from XXXX. This bill for {$270.00} is showing as a negative, collection debt on my credit reports. 

I would like this item removed from all applicable credit reporting agencies immediately under my name as the provider, XXXX XXXX and XXXX, did not follow the appropriate billing procedures.
Consumer complaint received 2022-03-06
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)

I moved to XXXX XXXX  XXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Consumer complaint received 2022-03-06
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. (TX)

I moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. - 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have worked in qualifying public service jobs my entire career spanning 39 years since XXXX. 
I took out Direct Parent Plus loans believing what I was told by Fed Loan Servicing and the US government about receiving forgiveness through the PSLF program. 
My wife and I have been paying on these loans since XXXX. 
The limited waiver was going to be a lifeline to allow us to retire. 
We were promised by Fed Loan Servicing and the US government the exact same things and have endured the exact same major failures as non Parent Plus loan holders. 
Why in heavens name were we excluded from the XXXX limited waiver? 
What could be the reasoning for this? 
Is our own Parent Plus PSLF waiver coming up in the fall? 
How could this exclusion have been allowed? 
Is this another case of age discrimination or are older Americans not seen as having enough power to demand our rights?
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (NJ)

I purchased a {$200.00} gift card with a debit XXXX  logo. I tried to register the card, check the balance on the card, make an online purchase with the card and use the card a debit card. Nothing works. I tried going to the website listed on the card and it is not accepting the number. The store I purchased it from will not refund my money.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

i tried to open a checking account at XXXX and aslo XXXX XXXX  and they said no its was some fraud going on with chexsystems please have what ever remove so i can open up my checking account
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.