davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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. (TX)

In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX Educational -Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known As XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry XXXX not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The XXXX XXXX not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX The inquiry was not authorized XXXX XXXX  XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 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 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : 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 Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (WI)

I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.
Consumer complaint received 2015-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (PA)

For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Friday XX/XX/XXXX I deposited a check via the Huntington Mobile App. I knew there was going to be a hold put on the check because this was the first time presenting this check. By Monday the XXXX I was unable to log into my account via my phonemy account was totally blocked. I called Customer Service and was informed that the bank couldnt verify the check and it was being reviewed by the Fraud Department. 

I received an email from the bank that the Hold was Released and the funds were available. I drove to the branch and was informed that I could not withdraw my money and I needed to speak with a branch manager.

I went home called Customer Service and requested a Supervisor. I was told that I was a high risk and they were ending their relationship with me and the check was still being reviewed by the Fraud Department. I was told that any direct deposits would be returned. 

I do not understand why this happened. I contacted the company that sent me the check and they are going to void the first check and re-send me another check. 

I do feel that I did anything to be treated this way??? The bank can black ball me and mess up my credit history with false accusations of fraud. I really need HELP. I have been treated unfairly and my money is being held up so that I cant pay my bills.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX never gave XXXX, XXXX, or Transunion any written consent to report anything on my consumer. Furthermore, I sent a dispute letter to the agencies over 9 months ago and they have failed to verify the accounts. My information was involved in the XXXX data breach and my information may have been compromised. No collection agency has verified any of the accounts these agencies are reporting. I will attach my data breach id and the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified accounts are removed from my credit report within 10 days : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I submitted a request to Equifax to remove fraudulent inquiries. They completed their investigation and did not remove all of the inquiries. 

Please explain to me how you conducted your investigation by including the following : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in investigative consumer report described in 15 usc 1681a and e and several other laws, including but not limited to the Fair Credit Reporting Act. I must immediately demand the permanent removal of this item from my credit report.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WY)

Sent FTC letters ( Around XX/XX/XXXX ) with notice to furnish proof of the debt as well as to cease collection of the debt and to delete any derogatory marks on credit reports as per identity theft guidelines under the FCRA. The company has failed to remove the derogatory marks from the credit reports as well as failed to cease collection. Upon calling them this past week they claimed to have validated the debt and sent multiple letters. I have had no issues receiving letters from them before, however, the debt validation letters and any info as to what they are doing regarding the fraud were not received. 

Phone representative was aggressive and dismissive, claiming the postal service failed to deliver the letters and gave no intention of resending the letters. My FTC ID theft complaint letters were received on XX/XX/XXXX by Convergent Outsourcing and they only a few business days later reported the collections to all the credit bureaus. It appears no action was taken to respond to the ID theft claim, no investigation, no attempt to right the situation, and a complete disregard for FCRA regulation that collections be ceased and that reporting also be ceased to the credit bureaus.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CO)

I contacted Discover several times via phone, chat, and email to investigate a possible identity theft that happened. They never investigated, never gave me temporary credits, never froze my account, and never helped me to take preventative action. This led to Discover sending additional and UNauthorized cards to addresses that I have never lived at. The fraud continued to happened and led to over {$10000.00} worth of fraud charges that I am still attempting to be reimbursed for from Discover. These were some of the first charges and if Discover would have taken action, a lot more could have been prevented. 

I have provided police reports, FTC identity theft reports, credit reporting reports, and my own personal expenses to hire experts to prove that my identity was stolen and fraud happened on my card. 

The initial charges in 2016, totaling {$580.00} over 18 charges that included spending in 4 states. 

XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$2.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX  {$3.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$38.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  {$7.00} XX/XX/16 XX/XX/16 XXXX XXXX - XXXX XXXX XXXX   {$28.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX   {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX {$27.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$28.00} XX/XX/16 XX/XX/16 XXXX  XXXX XXXX XXXX XXXX {$35.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$170.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX {$25.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX   {$32.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX   {$33.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$71.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$5.00} XX/XX/16 XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00}
Consumer complaint received 2022-10-06
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. (TX)

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # 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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TN)

I tried to send money to my friend on chime using her phone number and the amount was XXXX $ but she didn't recieve the money someone is using her number but a different cash tag so the money didnt go to her. I explaiined this to chime multiple times that the money sent to the wrong person and they still won't fix the issue shee even called them her self and explained that she didn't get the money and how I looked her up with her phone number. When I first requested the money back she got the request to her phone but the newest few times after she wasn't recieving a request for the money back I have screen shots and phone records showing that we called chime and each other as well to resolve the issue even with her on three way and the won't send the money back. She is down in Florida with her family I know XXXX $ isn't much but right now it was a lot for her to feed her family and I can't even do that anymore. The money was. Supposed to be sent to XXXX XXXX XXXX person who got it XXXX XXXX
Consumer complaint received 2022-12-02
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. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX TXXXX XXXX XXXX
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc. (CA)

In 2015, I cosigned on an auto loan for my adult daughter who lives at a different residence than I do. The payments were made through autopay. The lender, Santander automatically withdrew money each month from my daughters account. Not surprisingly, the last payment was a slightly different amount. 

Santander did not auto draft the very last payment ( I have no idea why ). They did not inform me or my daughter that they were not taking the last payment. My daughter assumed it had been done. 

I was unaware there was a problem until I received notice that my credit had be severely impacted. My daughter contacted Santander and made the last payment. I have never missed a payment and have never had my credit downgraded. We solved the problem as soon as we were made aware but Santander did not notify us of the problem. Santander refuses to recognize their mistake and correct my credit score.
Consumer complaint received 2022-10-06
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. (GA)

On XXXX XXXX I was a victim of identity theft, an account was opened with XXXX XXXX XXXX in the amount of {$4900.00}. I filed a police report and contacted the business to remove the fraudulent account. I also requested a contract and verification and the business failed to comply. According to section 605B of fair credit reporting they ( XXXX ) is noncompliance.
Consumer complaint received 2021-07-23
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. (FL)

I have been trying to get late payments removed from my credit report for over 60 days. I file disputes on their website, and when I didn't get any results/responses, I hired a credit company, XXXX XXXX and have been paying {$110.00} a month to get these removed. Letters were sent by this company over 45 days ago. 26 request only 1-2 removed. This doesn't make any sense. These late payments were approved by the companies during pandemic and all monies owed, since then have been paid in full. I also ask them to remove the company that ran my credit without my consent. Nothing is being done and I an getting frustrated and very concerned. I am trying to get approved for a home and they will not even consider my application until these disputes are resolved. Please help me.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (CO)

I have 2 current credit cards with Genesis FS card services. I received a pre-qualification notice for a new card with them ( Indigo Mastercard ). I followed the necessary application process. Once I was finished I received an email stating that I needed to submit additional documentation, i.e. a photo ID and SS card. I did so and also included my current bank statement so that they could see my current address. I did acknowledge that my ID had my old address so that bank statement could serve as proof of current address. I faxed this documentation twice. I then reached out to see where my app was and was told that my fax was not readable. I then mailed the docs ( 2 day priority with tracking ), and upon following up was told that the ID address not matching my application address would not work, and my bank statement showing current address was not sufficient. I then emailed XXXX FS and a lady name XXXX reached out. I explained that I had updated my ID to show the correct address to match the application. She researched and confirmed that if I mailed a copy of my new temp ID with the correct address then my application could be completed. I overnighted the copy of the ID, and gave XXXX the tracking number showing they had received it. That was received in early XXXX, nearly a month into this process. Since then they can not locate my copy of ID that I overnighted and delivery was confirmed on. Therefore they have not completed my application. XXXX has no answers and she has acknowledged they have no idea why they can not locate the mailed copy of my ID, and where my personal info is being stored after they received it.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MO)

Regions Bank Teller withdrew {$2000.00} dollars from my saving Account At the XXXX Branch XX/XX/2020 without my knowledge. And the bank claim to have a video of tranaction of me doing so, the bank want produce the video. so I filed a fraud complain with the banks fraud department. also filed a police report with the XXXX police department.