davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX 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
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I have disputed this debt with all the credit bureaus as well as a direct dispute to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my grandparents to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against them.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank cashed checks drawn on my XXXX business ( XXXX  ) account. These checks were payable to businesses and TD Bank allowed an individual to endorse and cash these checks. All three checks were cashed and endorsed by the same individual on XX/XX/2022. 

On XX/XX/2022, we discovered the a check was fraudulently cashed and put in a fraud claim through our bank- XXXXXXXX XXXX. To date TD Bank, the bank that cashed the check, has failed to respond or refund the {$10000.00} to our account. 

On or about XX/XX/2022, we received a call notifying us that two additional checks that were mailed to businesses were never received by those businesses. We discovered those checks were cashed on XX/XX/2022 by the same individual that cashed the {$10000.00} check. Each of these two new checks were in the amounts of {$1800.00} and {$2000.00}. Our Bank has now placed fraud claims for each of these checks too. 

XXXX has indicated that TD Bank is not responding to them. 

This account is an Interest Only XXXX XXXX XXXX ( XXXX ). These are client funds that must be refunded forthwith! 

TD Bank erroneously cashed three checks for an individual even though each check was made payable to a commercial entity. They currently owe our XXXX account a total of {$13000.00}.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, and 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 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-07
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. (SC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-07-01
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: PENNYMAC LOAN SERVICES, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

Amex Gift Card.

I was given an Amex gift card in the amount of {$300.00}.

When I tried to apply it to my {$800.00}. hotel bill, Amex would not approve the transaction.

Tried for {$250.00}, NO.

Tried for {$200.00}, that was approved.

The following day at the hotel Amex approved {$50.00}. 
Since then no matter where I try, they refuse the charge. The balance on my card is {$50.00} Calling the phone number on the card is automated.Ca n't reach a person.

Go on the listed website on the card, no help.

Called the regular phone number for Amex, and the agent could not contact a. live agent, and found it impossible to help me.

Looked on line and saw 179 negative complaints about Amex gift cards with just a one star rating. 
My gift card number is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.
Consumer complaint received 2017-09-14
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. (MI)

In XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was stolen some opened a business credit card on my name from XXXX XXXX XXXX. 
Enclosed is a copy of my ftc identity theft report.
Consumer complaint received 2017-11-12
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. (CA)

Un reporting school loans and loans n names and home addresses that do n't belong to me that 's showing up on my credit report that i did that do myself or approve of being done. I believe someone else is using my name and social security number misspelling my name and birthdate at different states and addresses and has been using it to get all lunes of loans and other this in my name. I believe they been doing it for years and im just now noticing all the different loans and debit that has been done on my credit reports.
Consumer complaint received 2017-07-07
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. (OH)

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
Consumer complaint received 2019-11-07
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. (NY)

On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Lowes card on the Lowes site. As soon as I hit send a message popped up saying denied. How can credit be checked in under XXXX seconds? I called the finance company to ask how it was denied within seconds and was told about a {$100.00}. XXXX gift card they were offering. I stated I was not interested and again asked about the denial within seconds. I was told by the employee on the phone that she could not look up my information unless I took the promotional offer. I hung up and I let someone in Lowes credit dept know.
Consumer complaint received 2019-11-07
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. (NY)

On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.
Consumer complaint received 2017-07-07
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: EQUIFAX, INC. (OH)

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.
Consumer complaint received 2021-07-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This is now the third complaint I have filed against NMAC. I mailed off an Affidavit of Truth, Debt Validation, and Cease and Desist Letter in NMAC had 30 days to respond. NMAC continues to dance around the facts that I have stated and I am disappointed in how the situation is being handled.

NMAC continues to violate my rights as a consumer and continues to take advantage of me. NMAC is in violation of the Truth in Lending Act, Fair Debt Collections Practices Act and Fair Credit Reporting Act.

In the previous complaint, NMAC provided the contract in which this consumer credit transaction was started. The contract showcases many violations that I have been stating before. The first violation in the contract is the seller-creditor section. I as the consumer am the original creditor, which is defined in 15 usc 1692a. Since I am the creditor, my name should be listed not XXXX XXXX of XXXX. XXXX XXXX of XXXX being listed is violation of the FDCPA 15 usc 1692j.

Among the many other violations NMAC continue to avoid, in the contract they provided, there is a section for XXXX insurance stating if the creditor requires insurance it will be included in the finance charge. I am the original creditor, my insurance should have been included in the finance charge. Again, another violation of 15 usc 1605.
Consumer complaint received 2023-01-03
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. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This is my first 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (CA)

I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

I am currently going through XXXX XXXX  and covered by my insurance with XXXX. 

XXXX XXXX XXXX ( XXXX ) contacted us about payment and we discussed that XXXX  should take care of it and we would reconnect if there were any issues we needed to work out with XXXX  Without warning or explanation and in bad faith, XXXX sent me to collections, negatively impacting my credit score. 

I am unclear as to why this money is owed and am particularly concerned about XXXX 's practice of damaging people 's credit score while being irresponsible on their own end to due basic due diligence in working with insurance companies and communicating with the individuals impacted. 

This bullying tactic got me to pay {$290.00} for no other reason than through threat of further damage to my credit score and coercion through bad faith action in sending my bill to collections. 

At best, XXXX has acted in bad faith, but they have also exposed what could be an unethical and malicious business practice
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

This complaint is in regards to medical debt collections by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. 

The outstanding debt was fully paid using their online system and after payment I was shown a " payment request was received '' screen. Money was then debited from my bank account the same day. I reached out to them to acknowledge receipt of payment, however I have not gotten any response. 

I opened disputes with XXXX and Equifax days later to get the amount updated on my credit report, however, despite receiving full payment XXXX and XXXX refused to update my credit report and responded to the dispute stating that the amount owed is correct and no payments have been made, which is blatantly false. 

It is unlawful and a violation of the The Fair Credit Reporting Act to knowingly provide inaccurate information to a credit reporting agency, but it appears as though that is exactly what XXXX and XXXX have done, while also ignoring my communication requesting payment receipt. 

I understand the credit bureaus will be removing paid medical collections from consumer credit reports in XXXX and would like to request that either the amount be updated or the now paid collection account be removed immediately from all credit reporting agencies. 

I will be attaching documentation showing payment screens on XXXX and XXXX website, the request for a payment receipt, the payment transaction in my bank records showing the amount paid equals the amount owed and the results of the dispute with Equifax showing the false validation provided by XXXX. 

Please assist in any way possible to get this matter corrected. No consumer should be subjected to false information being reported on their credit report, especially when they've paid the balance owed in full. 

Thank you.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

In XXXX of XXXX, my child support eppi card, from Wisconsin came up missing. A new one was requested. The one requested on in XXXX, was not received. So, I called in XX/XX/2021 and requested a second one. This card was not received either. While waiting for the card, '' the general delivery post office, in XXXX XXXX, MN XXXX trespassed me, which that's a different matter. So, I got a friend in XXXX, MN to allow me to use their address in XX/XX/2021 to get my card. When speaking to EPPICard, I asked '' how could I use the card, if it had not been received, until XXXX? Long story short, they refuse to issue credit. It is believed that another card is being used under my name. I movedto PA. EPPICard is now updating there system on XX/XX/XXXX. Who cares, but as I told Customer service. It's not fare for me not to receive my child support and some one else too! My card ends in XXXX, but wasn't received, until XXXX XXXX, but they show charges, before that. That is why I believe they allowed someone else to have a card. EPPICard is commiting fraud and I'm suffering for it.