davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.
Consumer complaint received 2018-01-26
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION (GA)

Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.
Consumer complaint received 2024-02-20
Product: Credit reporting 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 FCRA THIS CREDITOR XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2022-04-01
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-07-01
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: U.S. BANCORP (VA)

I am writing to complain of the practices of Elan Financial Services ( Elan ), issuer of credit cards for Fidelity Investments, among other sponsors, which are certainly anti-consumer and may be violative of the Fair Credit Billing Act, 15 U.S.C. 1666 et seq. 

When Elan detects what it believes to be a fraudulent charge it calls the cardholder and uses high pressure tactics to elicit a yes or no answer to whether or not a list of charges, given with few details, are authorized or fraudulent. I think it fair to say that it is unreasonable to expect an average consumer without contemporaneous access to paper or electronic records to recall every charge he or she may have made over several days, particularly given the paucity of details. 

If the cardholder says no they do not recognize the charge, the charge is declared fraudulent and the account is immediately blocked for days until a new card is received, denying the cardholder access to credit and creating an incentive for the cardholder to acknowledge small charges that he or she may not really recognize. 

I particularly request the Bureau to investigate what if any use Elan makes of a yes answer made by a pressured consumer, recognizing the charge in the recorded phone call but later wishing to dispute the charge under the Fair Credit Billing Act, when the monthly statement arrives. Elans tactics raise a fair question as to whether Elan is attempting to prejudice consumers Fair Credit Billing Act rights by having at its disposal a recorded telephone conversation during which the cardholder acknowledged the charge.

What is clear, in any event, is that these tactics contravene the scheme created by the Fair Credit Billing Act of allowing consumers to review their periodic statements within a period of their convenience and with access to their records, and to dispute charges they then find to be unauthorized. The effect and, I believe, purpose of these practices is not to prevent fraud, but to shift any possible loss onto the consumer and away from the card issuer in contravention of the Act.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has a XXXX XXXX XXXX XXXX   showing with issues and the loan was done in fraud by XXXX XXXX XXXX XXXX There are documents forged and not a legal binding contract nor is the instrument by XXXX XXXX XXXX XXXX   legally binding. 
I need by Experian legally proof and the documents proven legally sign by the party as it states personally appeared before. Need proof of Signature as Authentic by me. 
I have attach copy of the document and its what's make/makes the instrument legally binding for the debt. 
If Experian cant prove the document is my Authentic signature I will pursue to add them in my lawsuit as errors or information as showing false/Forged by what ever parties.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.
Consumer complaint received 2018-01-26
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: BMO Bank, N.A. (AZ)

I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Consumer complaint received 2022-02-01
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: WELLS FARGO & COMPANY (TX)

I reported a credit card charge of merchandise I did not receive to Wells Fargo, the issuer of a Wells Fargo Active Cash credit card, on XX/XX/XXXX. I informed the company that I bought the item online on XX/XX/XXXX and had not received the item as of XX/XX/XXXX, and the merchant was refusing to issue a refund. Wells Fargo assigned the dispute a number of XXXX. The disputed amount is {$130.00}, which posted to my credit card on XX/XX/XXXX. As of XX/XX/XXXX, more than 90 days after I reported the charge, Wells Fargo has not resolved the dispute. I've inquired about the dispute several times for an update and was told that Wells Fargo was waiting for information from the merchant. Wells Fargo has only issued me a temporary credit and every few days, I receive an automated email stating the company is still working to resolve it. Two billing cycles has passed, and it has been 90 days since the company was notified of the dispute. I've also contacted the complaint department at Wells Fargo to submit a complaint and received an overnight letter from their mortgage department. I don't even have a mortgage with Wells Fargo. I am getting nowhere.
Consumer complaint received 2018-01-30
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. (MI)

Pulled credit reports, the following are hard inquiries that I did not authorize : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
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. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2017-11-16
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: Rocket Mortgage, LLC (FL)

Quicken loans pulled my credit on XXXX XXXX XXXX. I recently viewed my credit report and saw a hard inquiry from them. I called and gave them my ssn, name, email. They said I had applied for a mortgage loan that I never did. In order to apply they said I would of had to make a username and password in which I do n't. They could n't tell me my username or password either which is how I know I never applied. Would just like this hard inquiry off my report. 
Thank you very much.
Consumer complaint received 2022-11-17
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 2018-01-30
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)

XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX  credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my experian credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.
Consumer complaint received 2022-11-17
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. (CO)

I recently pulled my credit report to find an account that is not mine. I sent a letter to XXXX to validate and send me verification that the alleged account was indeed linked to me. I have received no response since XX/XX/2022. I have called XXXX customer service twice to talk to a human, and both times no one could locate an account that was in collections linked to me. 

I've sent the credit reporting agencies letters to verify the validity of the account and I have received no response and no investigation has even been done.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion continues to report a bankruptcy on my credit report that has not been verified. I have repeatedly disputed the error with Transunion who continues to report the bankruptcy as accurate even though their source XXXX has not been able to verify a bankruptcy and has such removed the error as of XX/XX/2022. I disputed the error with Transunion on XX/XX/2022 and Transunion emailed me on XX/XX/2022 that the account has been verified as accurate, which is unethical practices because Transunion did not look into this investigation and just auto replied. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) I am asking for a Fair Credit Report and for the error to be removed immediately as it affects my ability to establish credit worthiness.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 Experian and XXXX  is reporting that the account has not been removed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-20
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$15000.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1400.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXX XXXX XXXX  Balance Owed : {$1400.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Consumer complaint received 2021-10-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (KY)

I received a response back from NCB management today XX/XX/2021 stating they had mailed verification documents to my current address on XX/XX/2021. I also called NCB and spoke to a supervisor, XXXX, who verified the address they had on file as well. It has been 13 days. The supervisor stated its regular mail but it doesnt take 13 days to receive mail. I believe this company is not able to verify debt or proper resell documents. If you are, please send certified mail.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-30
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: CITIBANK, N.A. (CA)

I left XXXX long time and went back in XX/XX/XXXX just to come to know that my Citibank Credit Card Ending in XXXX was on my credit bureaus ( known as XXXX in XXXX ) as negative and I have to pay around XXXX ( {$790.00} ) to get it off from my account, after several calls to Citibank I was able to get hold of their manager XXXX XXXX XXXX on phone number XXXX XXXX XXXX, and he assured me that the account will be taken care of and asked me to file a police report on fraudulent charges, which I did, he took around 6 months to reply to me and came back with an answer on XX/XX/XXXX, and he said nothing can be done and I would have to pay the money, so I asked what about the police report, and they said police report will not be considered. 
Frustrated, I filed a complaint on Consumer Financial Protection Bureau, and I got an email from Exective office of XXXX XXXX XXXX ( Phone no. XXXX ), I spoke with him and he asked me to file a police report on lost of credit card and loss of XXXX XXXX, I did the same and after a long period of time he came back to me in the Month of XX/XX/XXXX and said I would have to pay the entire amount due and nothing can be done about it. so this clearly states how these banks are doing robbery in XXXX, I have filed a police report and they are even not considering that?
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.