davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;
Consumer complaint received 2021-08-23
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: Experian Information Solutions Inc. (NY)

Since XX/XX/XXXX I have have been disputing an un-validated account with XXXX XXXX XXXX. I have been requesting for validation ( NOT VERIFICATION ) of an account that they are claiming belongs to me. Since my initial contact, XXXX has not been able to provide me the proper validation documents that I have asked for. I have contacted XXXX twice in XX/XX/XXXX then XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested " if XXXX  is unable to provide validation of the account that the bank please contact the credit bureaus to have the account removed ''. 

My 2nd contact with XXXX XX/XX/XXXX I started to receive notices for collection. The account in question then appeared as a revolving account, my credit score begin to decline and I was receiving notices to pay {$2100.00} out of an XXXX balance. I did not refuse the offer if the account was validated as mine. XXXX  could not provide validation. 

In XXXX, XXXX and XX/XX/XXXX ( recently in XX/XX/XXXX ) I have contacted Experian, XXXX  and XXXX XXXX but neither of the agencies were able to retrieve validation from XXXX  account. But, the credit bureaus allowed the account to revolve and remain as active. 

In XX/XX/XXXX I checked the update on the XXXX. The account was reported as delinquent, a high revolving account and a closed account. Today, in XXXX I continue to receive " an offer to pay {$2100.00} from XXXX. They have not and can not validate the said account. 

I want XXXX  un-validated account removed from my credit history because it is not mine.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX
Consumer complaint received 2021-11-30
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. (MO)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (DC)

I signed up for a bank account at TD Bank and was supposed to get a bonus for having money deposited for a certain amount of time. I deposited that money via check in person at the branch before the deadline and kept my money in the account for the right amount of time. Per the terms of the agreement, the deadline for having my bonus paid has passed by two weeks. The bank told me that they will not honor the agreement because they delayed in crediting the deposit.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

On XX/XX/2021 I sent TransFinancial Companies, LLC a Certified Letter asking for them to Validate a Debt. The company failed to Validate my Debt, instead they sent a list of my Medical Records which I know is a direct VIOLATION of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this Information.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Personal information on the below accounts are false. My information needs to be verified : Name, Social security, Address, Balance, Account number, Identifying the original creditor, Provide me with your license numbers and Registered Agent or Agent of Service. 

BK OF AMER Account Number : XXXX Account Number : XXXX Balance : {$15000.00}
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that Equifax received my request on XXXX, XXXX XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXXXXXX or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX card. In XX/XX/2021 I had to have the card replaced and since the my reward points are accruing but I am not able to redeem them. I contact them in XXXX and was told this is a known issue they needed to send it to a management team and my rewards should show up in 1 to 2 billing cycles. Called again when the rewards were still not available for use the end of XXXX/beginning of XXXX Was transferred around between the bank and amazon with everyone telling me it was the others issue. Finally spoke with a manager again was told that the request would be submitted again with apologize of course and told again 1 to 2 billing cycles. Speaking with them again today XXXX and all any one can do is submit the form again. This is my 3rd call and going on 6 months trying to get the rewards that they are saying I earned. My rewards balance as of XXXX is XXXX. No one is willing to call me back to let me know that it is resolved just that I will have to call back in 2 months if it is still not cared for.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im trying to get XXXX XXXX XXXX off my credit and credit reporting agency keep saying accurate when the name is clearly incorrect my name is XXXX not XXXX the birthday is incorrect too
Consumer complaint received 2021-02-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BK OF AMER Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-04-30
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, the following companies have violated my rights XXXX XXXX  account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX XXXX reported late, but my account was set on automatic debits 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (NV)

EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
Consumer complaint received 2019-11-13
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. (CA)

I disputed inaccurate information that was showing on my report named members XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX XXXX are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I've contacted Huntington bank 4 times attempting to close my account. ( They bought XXXX and my account was moved to Huntington ). They will not close my account until I have a XXXX balance. I attempted to send myself a check from their site to XXXX out my account and now they are holding it indefinitely. I can't get my money out. And they will not let me close the account. 
The hold times on the phone have ranged from 40 mins to two hours. Branches are understaffed and lines are out the door. 
I just want out.
Consumer complaint received 2020-09-01
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. (NC)

I was in a car accident, my car was a total loss and it was paid by XXXX  XXXX. There was a remainder balance of about {$500.00} that was paid by XXXX XXXX XXXX. Not too long after that, I received a check from XXXX XXXX for XXXX. 

The loan shows up on my credit as a charge off for {$15000.00} and its been very damaging to my credit. I called the creditor and they told me I needed to call the bureaus. I have disputed it and disputed it repeatedly, but it still remains. The car was paid in full and its showing as a negative on my report! 

No one will help me rectify this and XXXX has been less than helpful as well as the 3 bureaus. 

I also believe that they committed FRAUD - I believe that they received TWO payments on my car and left me with a negative remark on MY credit. I think they go MY payment from insurance, and then claimed it was a charge off in order to get a SECOND payment on on totaled car.
Consumer complaint received 2022-04-30
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 convergent, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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



15 U.S.C 1681 section 602 A. Section 2 It also states a consumer reporting Agency can not furnish a account without my written instruction.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted both XXXX and TRANSUNION to verified this account. Both companies XXXX/Transunion came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted TU and they said they don't provide such information. I also contacted XXXX to please provide me with verification of the account and also i didn't get anything from them
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/22 I made a wire transfer with my bank Wells Fargo of a total of {$16000.00} thinking I was working with the XXXX and XXXX XXXX XXXX XXXX. No questions were asked by bank representative and the wire was taken. Then on XX/XX/22 I sent another wire transfer because I was told my funds in my accounts were at risk for being stolen so I had to make a security hold wire transfer of XXXX. When I finally realized I was a victim of Fraud I went to the bank and told them what happened and showed proof of documents I received from who I thought was the FBI they opened 2 cases but then I was notified that one case was closed and cant get my money back. I also filed a police report and a report to state attorney general. Ive been a customer for years with Wells Fargo and now that I was a victim of Fraud and showed them everything they havent been able to help me get my money back.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (AR)

I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.
Consumer complaint received 2023-04-04
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. (TN)

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 ( credit card ) # XXXX, XXXX XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

Around XX/XX/2021 we noticed a balance transfer from our credit card and reported it right away to the credit card company HSBC. They said they would take care of the matter i had to ask them for a replacement card they wouldn't of replaced it if i asked them which you would think they would if i just reported a fraudulent transaction. So we asked them to investigate and there investigation was a copy of the check which was cashed on XX/XX/2021 9 days after we reported the transaction plenty of time to stop payment.the transaction was for {$1500.00} plus balance transfer fees and monthly interest we are 7 months into this now the police investigated and found it to be fraudulent notified HSBC every time we call HSBC they tell us they check and call us back. Because of this my credit rating dropped XXXX card closed our account and XXXX others lowered our credit limits causing my score to drop due to debt to ratio we lost {$10000.00} worth of credit from the other cards. Can you please help apparently they don't care when even the XXXX, pa police dept. found it to be fraudulant.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST remove this immediately.
Consumer complaint received 2022-04-30
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. (PA)

N.Accordance with the fair credit reporting act 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 a account without my written instructions.
Consumer complaint received 2018-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.