davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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 Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX. No account number given. On XX/XX/2021 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 without my written instructions.
Consumer complaint received 2019-08-12
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. (NV)

Derogatory accusations including ALLEGED INQUIRIES must be XXXX XXXX compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by CREDIT INFORMATION S , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.
Consumer complaint received 2019-08-12
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)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

On XX/XX/2019 I opened an account with self.Inc ( self lender ) - ( XXXX  la ) I set up automatic payments and assumed the monthly payments would be automaticly made on since I have been out of work due to covid 19 when they tried to auto debit my account and the bank declined the charge they removed me from auto pay which I was not informed of so they did not try to debit my account for the payment in XXXX and I learned of that I believe in XXXX when I was called for payment for the months of XXXX and XXXX I explained to them that I was not aware of my account being removed from auto pay and they said they'd correct my credit reporting late mark that it was a department in back office that needed to do it and Id see it reflecting with in a month or so and that they where not taking or accepting calls so I assumed it would be resolved and now 5 months later not only have they not corrected the late mark in XXXX they just added another late mark for the month of XXXX
Consumer complaint received 2019-08-12
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. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Remove CHAPTER XXXX BANKRUPTCY DISCHARGE : XXXX. This is not my bankruptcy, you've got the wrong person here.. The court itself do not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

US Bank has be reordering my transaction in order to accrue more overdraft fees on multiple dates. After raising the issue with them, they stated it was because of the clearing date but the transactions are not even chronological order. I have attached photos of the dates of the transactions and screenshots my bank account showing the order doesnt match. I will include their proper order below. In addition, another occurrence an incorrect overdraft put a hold on my account putting it negative resulting in multiple overdraft fees. The original fee was refunded but the hold putting my account negative remained. 

In the first case on XX/XX/XXXX, they reordered transaction including a loan deposit ( not a wire, the loan company said it is a direct deposit and takes 24-48hrs tops ) in order to obtain fees. On XX/XX/XXXX I was charged an overdraft fee that was refunded and put a hold on my account making it appear negative when it wasn't. The correct order of the transaction is XXXX XXXX  was made XX/XX/XXXX ( attached ) and the XXXX XXXX loan was issued the XX/XX/XXXX and should have cleared XX/XX/XXXX resulting in a positive balance. In addition the order of the transactions is XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, then XXXX XXXX ( in less than 24 hrs from the XXXX XXXX which would not result in a overdrsft. But the loan was not accepted until XX/XX/XXXX at which another automatic payment came out on XX/XX/XXXX resulting in a third overdraft fee. I've attached all bills and the loan deposit receipt showing the payment date which matches the deposit date. It also shows that the loan owner says it should be 1-2 days tops. I called the loan company and they said it was cleared on their side and showed deposited. The bank however held it. In addition, to saying my account was negative for " hold '' for a overdraft fee that was refunded. 

The second occurrence was the weekend of XX/XX/XXXX. The transactions correct order is XX/XX/XXXX XXXX, after-party XX/XX/XXXX and then XXXX  XX/XX/XXXX. I have attached the bills to verify this. The transactions were reordered in order to charge fees and a " hold '' was put on funds for transactions that occurred before the payment even ordered. I was also told my an additional {$36.00} fee or more depending on the interpretation of the account. You can see from rhe screenshots they've notated tons of transactions that the account was negative because a transaction that occurred after the transactions being called negative. I've attached everything I can to prove these. This is the just most recent incidence of transaction reordering to obtain more overdraft fees from me as a long time customer and state employee.
Consumer complaint received 2022-01-08
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. (TX)

I have written several times disputing the XXXX XXXXXXXX Hospital bill and it isn't being removed. I asked them to verify that I am the financial party whom signed the documents to be financially responsible for this bill and I am not that party yet these bureaus keep reporting erroneous items. I am not the party that is responsible for paying anyone 's bills but my own. If they would look at the signatures they will see for a fact I am not the responsible party. Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA this item should have been verified as incorrect and deleted but the bureaus has yet to comply.
Consumer complaint received 2022-01-09
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: ERC (GA)

The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I need Experian to change the name on my credit report from my maiden last name ( XXXX ) to my current last name ( XXXX ). I submitted every document requested by them ; they said that the despute has been taken care of ; however my name STILL appears as my maiden name ( XXXX ) on the results report. I need this changed in order for lending companies to pull my credit in order to purchase a house and they are directly messing up my ability to do this. Also it is almost impossible to speak to a human at Experian, and they make everything extremely complicated. I need this issue fixed asap ; and I have given them every opportunity to do so, and they still do not fix the issue I have asked them to.
Consumer complaint received 2023-01-09
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-08-12
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. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : US XXXX XXXX ),
Consumer complaint received 2019-08-12
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. (NV)

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
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: Experian Information Solutions Inc. (NV)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have recently found a collection from you on my credit report. Under my rights under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt with the creditor and balance listed below : Medical Facility : XXXX XXXX XXXX XXXX Balance : {$37.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the above medical provider to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2019-08-12
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)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX
Consumer complaint received 2019-08-12
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 (NE)

In XX/XX/2015, I rented a XXXX XXXX car using my Capital One credit card from XXXX XXXX XXXX. After missing a flight back to Nebraska, I mad arrangements with XXXX XXXXl service to drive the car back to Nebraska and return it to the XXXX XXXX location. They quoted me an additional fee of around {$400.00} for returning it to another location at a later date. The total would have then been {$600.00}. 

Payment for additional fees is usually paid when I return the vehicle. I was going to pay the amount that exceeded my credit card limit with another card, however XXXX informed me that the payment had been authorized from Capital One. The charge was over {$2500.00}. 

I contacted XXXX to dispute and they did not resolve the issue. I contacted Capital One on a Friday evening to dispute. The following Monday they asserted that the charges were valid and that they had rightfully authorized the limit to be exceeded. 

I have never opted into this option and questioned Capital One disputes department for years. I have recently opened another dispute only for the issue to still go unresolved. I never opted into this.
Consumer complaint received 2019-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

I have tried to look at different options for repaying my loan through Navient online. However, when I select " Repayments Options '' there is no opportunity for me to determine the best route I should take. There are only two links that tell me to contact them at XXXX. When I have called that number, I have been informed that I don't have any option to help change my repayment options because I have private loans through them. At first, my account was serviced through Sallie Mae, but then was transferred to Navient a few years ago. I don't understand how I don't have the opportunity to consolidate my loans or have an opportunity to lower my payments when I have had these loans since 2008. Thank you.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (HI)

In XX/XX/XXXX, an internet friend introduced me to a International crime agent whose name is XXXX XXXX. XXXX said that he can investigate a scammer named XXXX XXXX in XXXX to get him arrested. So I entrust him to do the investigation for me. He said that his initial fee is {$2000.00} and asked me to transfer to his friend named XXXX XXXX of XXXX for me. XXXX XXXX and XXXX XXXX can fly to XXXX to do the investigation. So I transfer the following {$2000.00} to him via XXXX XXXX as follow : Order Date Amount Recipient XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX {$1000.00} XXXX XXXX, XXXX  After I sent the money to them, they just gave me a faked story and then disappeared. I immediately ask for a refund, and then did not contact me anymore.
Consumer complaint received 2023-01-09
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. (TX)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.