davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # 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 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 or 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 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I disputed a charge of {$100.00} with Capital One on a service that was canceled within the time period. The case was closed in my favor. Now, they rebilled me without warning. There service is no longer available to me that was paid for and I'm charged for it thru my credit card company. So the company made Capital One recharge me without the service available. That's fraud. And Capital One will not refund the amount I'm out.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (IN)

Commonwealth financial systems sent me a letter notifying me of a debt they were collecting which was a very old debt that fell off my credit record. They said I had 30 days to dispute this letter. The letter was dated XX/XX/. There was an amount offered as a settlement, and just today I was notified, that my credit Reading plunged 48 points because they already had put this on my credit. I am livid. This is XX/XX/XXXX and I havent even had this letter two weeks and its on my credit record already. Im thinking about contacting an attorney to sue them. I attempted to file a dispute with the credit bureau and they would not allow me to do it, it said that I had contact the Collection agency. This is not going to fall off my credit, until I pay this debt. They did not even give me the chance to dispute it in writing before they reported it to the credit bureaus.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I filed for Bankruptcy on XX/XX/2018, my Bankruptcy was officially discharged. The Credit Bureaus have not updated my credit reports accurately, as follows : XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$33000.00} - Discharged in my Bankruptcy Trans Union is Reporting as follows : XXXX XXXX  XXXX  # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX  is Reporting as follows : XXXX XXXX XXXX # XXXX Balance {$27000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX  XXXX # XXXX Balance {$430000.00} - Discharge in my Bankruptcy XXXX XXXX XXXX # XXXX Balance {$280.00} - Discharge in my Bankruptcy XXXX XXXX XXXX XXXX  # XXXX Balance {$280.00} - Discharge in my Bankruptcy I've contacted the Creditors and the Credit Bureaus multiple times to remove this incorrect/fraudulent information from my credit reports and the Credit Bureaus have been incompetent to update my credit reports accurately ...
Consumer complaint received 2020-09-25
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. (MA)

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this  reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time XXXX  has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.
Consumer complaint received 2020-02-17
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. (OH)

Equifax has violated federal laws along with their subscriber member XXXX for Child Support in the amount of XXXX The amount of XXXX is a charge off due to the reports and charges that i have filed with my case workers of child support frauds against me. The laws that Equifax and XXXX  violated against me are as follows. 

15 U.S.C. 1681s-1. Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which : ( 1 ) is provided : ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less. To report back to a prior date Equifax refuses to delete the information along with XXXX  i am trying to avoid legal action against them according to the following Statutes of federal laws by which your obligated to enforce which are below.

1. Federal Debt Collections Practices Act 2. Fair and Accurate Transactions Act 3. Fair Credit Billing Act 4. Fair Credit Reporting Act 5. Fair Credit Billing Act 6. EFTA Electronic Funds Transfer Act Federal Laws Regarding collectors Deceptions 1. Fair Credit Billing Act ( FCBA ) 2. Electronic Funds Transfer Act ( EFTA ) Accounts that was closed cant be reopened and billed separately in two parts with different billing or account numbers this constitutes fraud against the consumer according to the guidelines of the department of commerce, federal trade commission, department of justice public affairs, office inspector of the general, Ohio attorney general, Federal deposit insurance corporation 1005.15 3. 15 U.S.C subsection 1692b ( 3 ) prohibits a debt collector contacting a third party for location information from communication with the third party more than once, unless the third party request it or the collector reasonably believes the third party earlier response was erroneous or incomplete and that the third party now has correct or complete location information.

4. 15. U.S.C. 1692c ( a ) ( 3 ) and 15 U.S.C 1692 g ( b ) 5. 15 U.S.C. sub section 1692e ( 11 ) this does not apply it its in connection with filing at courts for a legal actions. 15 U.S.C. subsection 1692 ( d ) ( 6 ) this provides generally abusive practice to place telephone calls without meaningful disclosure of the callers identity. 

I demand to see verifiable Proof of { Original Signed contracts } with my Signature upon it from the state of Ohio for Child-support or enforcement. The account number XXXX account reference number.
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (UT)

My statement does not reflect anywhere what my interest rate is. When I log online, I have to go fishing and click everywhere to finally find it under my details section. When I applied for the vehicle I feel like the 5 % interest rate was super high for where my credit score was at the time. I also was told that I had to use Kia Financing and was not aware that I was able to use other auto financing options with other lenders in order to determine who would be able to offer me the best rate. I feel taken advantage of and now feel stuck with a much higher rate than what I could have gotten if XXXX XXXX XXXX XXXX was honest and let me know they could've checked with other banks on offers.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2023 {$2800.00} taken from debit card XX/XX/2023 {$2800.00} reversed back to account Chase took the money back on XX/XX/2023 {$2800.00}. My XXXX  XXXX credit card was compromised but XXXX  XXXX reversed the charges back to my account. Reported identity theft to police office and send the police report to Chase bank fraud. They denied the claim they say the transaction was authorized. Do not know how that was possible because I have never used it.
Consumer complaint received 2021-11-17
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: Santander Consumer USA Holdings Inc. (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. These items is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ; CHRYSLER CAPITAL XXXX Balance Owed : {$0.00} ;
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (PA)

I XXXX XXXX, The Consumer, entered into a consumer credit transaction XX/XX/2021 with WELLS FARGO AUTO at XXXX XXXX dealership and purchased a vehicle for {$52000.00}. This transaction includes a finance charge. Under 15 USC 1605 ( a ) a finance charge is defined as the sum of all charges. The finance charge does not include cash, but WELLS FARGO AUTO in fact took cash. WELLS FARGO AUTO is now in violation of 15 USC 1611 and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ). WELLS FARGO AUTO willfully and knowingly failed to clearly and conspicuously disclose my right to recission which is information required under the provisions 15 USC 1611 and 15 USC 1635 ( a ). They are now civilly and criminally liable and owes twice the finance charge pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ).

WELLS FARGO AUTO is a third-party debt collector and was not present when I signed the contract at XXXX XXXX XXXX Therefore, are not a competent witness and can not provide a contract for a contract they weren't apart of. Provided by WELLS FARGO AUTO, attached is a copy of the agreement that was signed and not the original. pursuant to rule 1002 an Original writing is required in order to prove its content if WELLS FARGO AUTO can not provide an Original writing, they have no claim.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

on XX/XX/2021, i sent letters out to Smith , Rouchon & Associates, Inc about some alleged balances of {$310.00} and {$45.00} that i don't owe. first its a violation of my rights by sharing my medical information with 3rd parties,2nd, its some inaccurate items reporting on my report. i requested information concerning the validity of the debts as well that i have not gotten.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

Collector name : ARS Account Resolution Collection amount : {$84.00} This medical collection is reporting to my credit report. I would like to have it removed. I sent a dispute letter to XXXX  credit Bureau to verify and no response. I sent dispute letter on XX/XX/2021 and havent received anything back from creditor or XXXX  credit bureau.
Consumer complaint received 2017-06-05
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: Experian Information Solutions Inc. (OH)

XXXX ,  XXXX  and Experian are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Consumer complaint received 2021-11-17
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX , Transuion and   XXXX   are reporting  XXXX  accounts on my credit file that is reporting inaccurate information. The  XXXX  accounts are  XXXX    XXXX   XXXX    XXXX  and  XXXX   XXXX . I have disputed.this information with the company and they have told me that their investigation is complete and they will not investigate. I contacted both companies and neither company is able to validate the information that is being reported. By law these accounts should not be reporting on my credit file.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX  XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

I had applied for unemployment benefits in Minnesota and had been in a long standing battle to get approved for a long time. At the beginning of XXXX I was finally approved and granted backpay for months which resulted in a handful of deposits amounting to almost {$10000.00}. I was having my social worker help me fill out the direct deposit forms on my unemployment account at the time and unfortunately he somehow managed to mix up mine and other clients banking information. This resulted in almost $ XXXX being deposited into an account at TCF bank that was not mine, after contacting TCF I was told that if the account holders name did not match the name on the direct deposit that they would return the payment to the sender. I waited and waited but it has been 5 months and still the state has not received that money back yet. For some reason TCF is still holding these funds and because Im not the account holder of the account where the funds were deposited TCF will not even speak to me about this matter. 

I wasn't given the exact payment amounts but I know it was maybe 5 or 6 payments totaling almost {$10000.00} a lot of them were sent on XX/XX/XXXX, but not all of them some were on a few days before the XXXX or a few days after. 

The last 4 digits of the account where the funds were deposited were XXXX I dont have the full account number because we are not given access to that information directly on the state website. If you need the full account number to find the payment let me know and i will have to contact the state. But I think it should be more than possible to track the payment with those last 4 ending digits.
Consumer complaint received 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (LA)

I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.
Consumer complaint received 2021-04-16
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. (NY)

XXXX XXXX XXXX XXXX ( XXXX ), a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX ) reduced my available credit by almost 50 % without notice to me, and apparently based its determination on its unauthorized review of one of three credit reports, despite that all reports for me indicate, that as I have with XXXX, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a predatory practice that I imagine they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the predatory illegal nature of its actions. When I spoke with the company today (XX/XX/XXXX ), they explained to me that they accessed one of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid 1/2 of my bill off. This is going to go down with the predatory loans made for mortgages if it's allowed to continue. Notice.