davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.
Consumer complaint received 2022-09-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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 2017-10-23
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. (KS)

i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.
Consumer complaint received 2021-06-23
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report. 
15 USC 1681a - accuracy and fairness of credit reporting. 
15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union, is partial towards members, or ex members. whom has filed Bankruptcy. If a member has financial hardship. He or she should not be rewarded, with the discontinuation of their membership. I know its a HORRIBLE ACT, to afflict on a Veteran and his or her family members.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (WA)

I received a TD Bank/Target XXXX credit card on XX/XX/22 which I did not apply for. Called Target 's fraud department and informed them of the situation. They are cancelling the account which had {$550.00} of charges on it. 

They stated that the application had my correct name, address, SS # and birthdate. Incorrect information were my phone # and drivers license #.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX debt show 's an XXXX XXXX XXXX bill, that I paid to XXXX XXXX XXXX in cash 5 to 7 years ago. This should n't be in collection, I have disupte that with XXXX they have removed it from there credit report but Transunion, I have opened a dispute with them they said, they verfied it, but it is not true. I am not liable for this account nor I recognize XXXX accounts. This should be deleted from my credit report in Transunion credit report.
Consumer complaint received 2017-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have been trying to arrange an income based repayment plan since XXXX of this year yet nothing is processed. I continue to get delinquency letters, my interest is piling up, when I call I talk to different people who see that I have applied but no action has been taken. My last contact indicated that I should wait about 3 weeks for a bill to arrive for {$5.00} which I should pay, then my program will start. Nothing is arriving except multiple delinquency notices. I tried to set up direct debit so I could make automatic payments and a notice arrived that the entire past due payment will be taken out of my account! I had to go to my bank to set up an alert so the payment will not be processed.
Consumer complaint received 2017-10-21
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. (GA)

I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2017-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

I was looking at my credit report and I noticed there was a car loan that was closed and never been paid this was very heartbreaking to see knowing that I have never had any type of car loans in my life and the only credit report that it showing on is my XXXX this is not showing on any other report now that I investigate deeply I am seeing a lot of things on my report that is fraudulent and as a result in identity theft I have communicated with the Creditor Westlake Financial to take this off my credit they said they will try to put a request in the address they have is not the same address is on file where I live at please have them remove this fraudulent activity off my credit report please
Consumer complaint received 2021-06-23
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: U.S. BANCORP (TX)

On XX/XX/XXXX, I reviewed my credit report that reflects a credit card with {$4000.00} charges. Due to the interaction and issues with the card, I would not use the card. After 10 years, I did not remember the card with a XXXX balance until XXXX. However, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX manipulated information to extend credit reporting history. In additional, XXXX appears on my XXXX Credit Report but sold the account to Elan Financial fraudulent charges for collection. On my XXXX Credit Report, Elan Financial Services added the same derogatory information to force me to pay the fraudulent charges. I have made any payments to XXXX XXXX, XXXX nor Elan Financial Services there should not be a payment history. Due to their unethical way of keeping the credit card fraudulent charges on my credit reports, theyve manipulated dates, payment history, closed dates and the creditor thats holding receivable. It has been over 7 years for the credit card anyway and should have been removed from all credit reports in XXXX or XXXX. Again, manipulating dates and payment history extends their credit reporting ability.
Consumer complaint received 2017-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On or about XXXX/XXXX/XXXX my husband transferred XXXX from our money market savings to checking. When he tried to cash from the ATM machine it showed a minus amount. 
When he went to the bank officer she informed him a funds were taken from the account over a period of number of weeks.The account was frozen and a NEW Debit card was issued. I tried to use my SECOND Debit at a whole foods only to be rejected. I then went back to the SAME bank officer only to find out that XXXX was taken from our money market savings ( a prior attempt of XXXX was rejected ; however if the amount requested was under XXXX it would have been processed.How was it possible that funds were given after numerous attempts were made over the daily allowable amount. 
I never used my card yet within XXXX hours funds were taken to date the amount is over XXXX  with additional overdraft charges. There is an investigation currently by the XXXX Yet the Bank refuses to restore any funds saying that a proper Pin # was used. I would not be in this position if it was a wrong Pin # As we all know bank cards and pin # can be cloned as per a FBI public service advisory states.
Consumer complaint received 2017-10-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (FL)

on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery
Consumer complaint received 2017-10-20
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. (GA)

I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. Thank you.
Consumer complaint received 2022-08-10
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. (MD)

I have attempted to file a dispute with TransUnion for fraudulent inquiries on my credit report. I could not dispute online therefore I called them. The lady on the phone said that I needed a letter from those who inquired. I informed her that I do not know who they are to contact them. She said that TransUnion does not assist with the dispute without a letter from the creditor. I told her again these were inquiries that I did not authorize and do not know the entity reporting. I have since put a freeze on my account which I've done several times but they seem to get through. Even with XXXX XXXX  XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (IL)

XXXX XX/XX/XXXX - I terminated my lease with XXXX XXXX XXXX XXXX for their property on XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX 

On the same day I was sent an invoice for lease breakage via mail which I paid via a cashiers cheque. I have email of the invoice, payment receipt as well as the scanned copy of the paper receipt. 

XX/XX/XXXX - The company 's leasing agents started calling me demanding extra money without providing me with an invoice or any explanation of why the additional money was requested - I sent them details of payment made and requested for a refund of my security deposit - no response from them. 

XX/XX/XXXX - XXXX again call me without providing either any amount or any invoice or any basis of charging me XX/XX/XXXX - I send a notice via registered post as well as email - demanding either a refund of my security deposit or a statement of my accounts due to me as per Colorado statutes from XXXX ( Post sent to their authorized representative Mr. XXXX XXXX at their registered address in XXXX ). XXXX still did not provide me a statement of my accounts to me as requested or a refund of my security deposit XX/XX/XXXX - I notice a significant decline in my credit score and upon checking the report find that a debt collection agency named LTD Financial ( XXXX XXXX XXXX  ) have placed a negative account charge on my credit report - without contacting me, either via phone, or post or mail or providing me with any proof of debt as per fair debt collection practices act XX/XX/XXXX - I raise an investigation with XXXX  on the negative charge and send email notice to LTD financial at the registered mail address on their website ( XXXX ) Thus XXXX   demanded payments without providing an invoice, without providing any evidence of debt owed, shared my personal information with debt collection agencies without my consent. LTD Financial placed a negative account charge on my credit report, damaging my credit score without making any attempts to contact me or provide me any evidence/information of debt owed  as is required by Fair Debt Collection Practices Act.
Consumer complaint received 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (DE)

I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!
Consumer complaint received 2022-08-10
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: TFC Credit Corporation of California (NJ)

A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
Consumer complaint received 2020-10-07
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. (FL)

THE ACCOUNTS/INQUIRES LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND TO FILL OUT MUTIPLE APPLICATIONS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-08-25
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. (VA)

XXXX only said that the reporting of the item was accurate without any explanation and did not give me their method of verification or any documentation to back their claim.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments