davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (OK)

IQ Data response was all inaccurate. There was no statement made by me and company has failed to abide by the law. I have communicated with this company with every verification. They are acting against my fair credit reporting acts and at this point acting against all laws and my rights. 
This company needs to be investigated. Their response is fraudulent/lies like their claim. They refuse to investigate and just want funds that's not owed to them. They claimed to be a tenant debt but have no court judgment. This company is using their ability to their advantage illegally
Consumer complaint received 2018-05-17
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: LEXISNEXIS (OH)

On XX/XX/XXXX, I placed a call with Lexis Nexis, opening a dispute, regarding reporting that included incorrect additional drivers at my home address, my incorrect address located on the reporting, addresses associated with my name and information where I had never lived, identification records listing information that was not mine ( this information was my mother 's and I also informed them of that ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that as well ). Lexis Nexis informed me they would have all items fixed and send me a new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's ). 

On XX/XX/XXXX, I placed ANOTHER call with Lexis Nexis, re-disputing the incorrect information I received on XX/XX/XXXX, informing them AGAIN that their reporting included identification records listing information that was not mine ( this information was my mother 's and I informed them of that AGAIN ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that AGAIN ). Lexis Nexis informed me they had made a mistake, the notes on my account stated this information should have been removed, and they would have all items fixed and send me another new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from, AGAIN. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was STILL my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also STILL my mother 's ).
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (CA)

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2019-07-18
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: DISCOVER BANK (PA)

On XX/XX/19, I settled a Discover Card account in full. I owed {$XXXX} and paid {$XXXX}. I have a letter that says this is settlement in full, however, my credit report is showing I still owe a balance. XXXX investigated but says my balance is still {$XXXX}. Even after I provided the letter as proof.
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: EQUIFAX, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NY)

I filed a dispute claim about unauthorized transactions with Blackhawk Network, the company shows on the back of my prepaid debit card. I had provided all the supporting documents to the company, but the company denied the dispute and refused to provide any explanation. 

The unauthorized transactions was the follow contains : Amount/ Date : {$490.00} / XXXX ATM withdraw {$4500.00} / XXXX in-store purchase $ XXXX XXXX in-store purchase $ XXXX XXXX ATM withdraw Toyal Amount : {$10000.00}
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (MD)

i applied for a job and the company preformed a Fair Credit Reporting Act, Consumer Reporting Agencies reported investigation into my background history, the consumer agency reported and Driver Involved Accident ( XXXX ) which denied my pre-employment interest with e transportation company. The Information reported to the company is not accurate with the XXXX XXXX XXXX XXXX XXXX, PSP screening program. By rule, the individual can request to obtain information about a file of a consumer reporting agency, if you are unemployed but expected to apply for employment within 60 days. Consumer reporting agencies must correct or delete inaccurate, or unverifiable information ... ..
Consumer complaint received 2021-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On Monday XXXX, I, XXXX XXXX XXXX, went to TD Bank on XXXX XXXX XXXX XXXX XXXX Florida XXXX where I have a checking account. I have had that checking account about 10 years. My son XXXX XXXX was with me and we had just picked up a check for {$16000.00} dollars. This check was from the largest law firm in XXXX Florida, XXXX and XXXX. My son and I wanted to open a savings account. We spoke to XXXX XXXX, Finical Services Representative. My first question to Ms. XXXX was .... will there be a hold on this check? MsXXXX XXXX answered that it would only be 24 hours and all funds will be available on Wednesday XXXX. I asked Ms. XXXX if she was sure and explained that i could go a half mile down the street to XXXX XXXX and cash the check, return and open a savings account where I have had a checking account for around 10 years. Ms. XXXX XXXX said she was 1000 percent sure. 

So based on that ... My son and I opened a Savings Account. 

On Wednesday XXXX I checked my online account and there was a hold until Tuesday XXXX. I spoke with the TD Bank XXXX Customer Service on the phone. I was escalated to a supervisor who instructed me to contact my local TD Bank Branch which I had deposited the check at, as they are the ones who placed the hold on my check. The supervisor told me the local branch manager is at discretion to release the hold. They instructed me to call the Branch. I did and spoke with XXXX the assistant Branch Manager and she said that MsXXXX XXXX XXXX was wrong and that she thinks she said that Under Pressure to open accounts and will look into that wrong and that is ... NOT ... TD policy to open up accounts under fraudulent actions. Meanwhile they will not release the funds, although the District Manager named XXXX XXXX who I spoke two on two different phone calls, said he would straighten this out and get the funds available on Thursday XXXX. This has Not happened and I have called him two times today to ask about my money and he has NOT returned any calls. I called the Manager who is in rehab or on vacation and he has Not returned my calls. Furthermore today, I called the branch and the Assistant Branch Manager is NOT in today. It is becoming VERY obvious that TD Bank is using Fraudulent methods to get customers to open accounts. I explained to the District Manager, Mr. XXXX XXXX, the whole situation and he agreed that TD Bank was NOT living up to Honest, Transparent, and Customer expected service. As a senior on a fixed income with XXXX sons to support, TD Bank deceptive practice has hurt me and I ask for a FULL Civil Investigation of this matter. I ask that a CRIMINAL referral to the DOJ happen as well. 

How many OTHERS have been HURT by the deceptive practices of TD Bank?
Consumer complaint received 2023-06-27
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (NJ)

AMEX XXXX XXXX, 2023 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries, 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 All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through annualcreditreport.com. 

I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. 

I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE UPON REQUEST.
Consumer complaint received 2021-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

I received my order damaged and tried to resolved it with merchant. Merchant was radio silent. I disputed the purchase with Affirm and despite having evidence that I was being ignored, they denied my dispute. I am not happy with that result since the item I received was not as described.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services is Charging an excessive wear fee even though they had completed an inspection prior to lease return. The inspection report didnt include any Items that needed attention. Subsequently, the vehicle was returned. After having possession of the vehicle for more than 3 weeks they are claiming an excessive ware fee. This is a frivolous fee. I have attempted to come to a resolution on this with Toyota FS on 3 different occasions. However, they are not willing to work on this issue.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 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 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) 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 conviction of crime 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 the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I reported a fraud activity to my bank CitiBank about cheques, which were deposited into my account that I knew nothing about. My stolen deposit card was used for purchases and money transferred from my account. When I reported this, the bank decided to close my account upon investigation. A few weeks later I received a statement saying my account balance is XXXX. Then a few days later another letter saying the cheques have been returned and my account was negative {$15000.00}. A couple of day later my account was closed. Any attempt to open a new account has failed.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (MI)

Williams & Fudge Inc. Has performed 4 ( Four ) Hard Inquires on my credit report, according to XXXX . All inquiries were not authorized for as I'm not currently conducting the business of any kind with this agency. 

Their unauthorized inquired continue to harm my creditworthiness as I'm currently rebuilding my credit and these tactics will continue to prevent me from successfully gaining a healthy credit status on my record. 

Inquiry # 1 - XX/XX/2019 Inquiry # 2 - XX/XX/2019 Inquiry # 3 - XX/XX/2019 Inquiry # 4 - XX/XX/2019
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY PERSONAL INFORMATION WAS USED BY AN UNKNOWN PERSON WHO USED MY INFORMATION TO OBTAINED DEBT SUCH AS CREDIT CARDS AND MEDICAL BILLS NOW MY CREDIT PROFILE IS DESTROYED. I AM DOING THIS REPORT INHOPES OF FIXING MY CREDIT.
Consumer complaint received 2018-05-17
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: EQUIFAX, INC. (GA)

Derogatories disputed and verified as accurate on XXXX XXXX XXXX XXXX XXXX {$1400.00} which was sold to XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX {$940.00} XXXX XXXXXXXX XXXX   XXXX Equifax : XXXX XXXX   XXXX $?.?? XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b