davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I requested, under the Fair Credit and Reporting Act section 609, that Experian, XXXX, and XXXX verify incorrect, inaccurate, and inconsistent items I located on accounts reflected on my credit report. These have negatively impacted my ability to receive credit and have caused a high-level of embarrassment for myself and my family. I reached out to the three bureaus over 30 days ago and have yet to receive any feedback, correction, or verification on this matter. All three bureaus are reporting inconsistent and inaccurate information in relation to the XXXX XXXX XXXX XXXX and XXXX  accounts. At this point, I would like to have these items removed as they are incorrect, inaccurate, unverifiable, and the bureaus have violated their allotted 30-day compliance regulation. Experian then responded to my complaint requesting identification documentation that I had already submitted to them. I have sent more documentation as they requested but still would like the information DELETED due to their violations of the 30-day response or validate regulation set forth by the Fair Credit Reporting Act.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AR)

Western Union issued a withdraw from my bank account without my authorization. I am not a Western Union customer and this was done without my permission or the permission of any name on the account.

On talking with Western Union, the money was said to have been transferred to XXXX and there is nothing they can do.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Peterson Enterprises, Inc. (WA)

I am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2020-08-31
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-10-18
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. (NJ)

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Consumer complaint received 2021-10-18
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. (NJ)

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Consumer complaint received 2020-08-31
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. (WA)

XX/XX/2020 I contacted Experian about a ( closed paid in full ) charge off account I had with XXXX XXXX XXXX. Two weeks prior I filed a dispute with Experian about inaccurate information on my credit report. Experian did an investigation, which resulted in an update on my report about said account ( the update Impacted my credit negatively and was inaccurate ). I have been in close contact with XXXX XXXX XXXX XXXX original creditor ) about this issue and they informed me via phone and a professional email that they provided Experian with the correct information regarding my dispute. Experian is inaccurately reporting, negative charge off/derogatory monthly non-payments for ( XX/XX/2020 and XX/XX/2020 ) This is impossible, since the account has already been paid in full as agreed on XX/XX/2020. I have exhausted every option trying to rectify this situation with Experian. They have yet to fix this issue. The FCRA states that all information on an individuals report must be accurate and true, void of any inaccuracies. I have sent Experian documentation of my correspondence with XXXX XXXX XXXX and informed Experian several times that they are reporting inaccurate information on my report. They have done nothing. I pay for an Experian membership, and I yield to the laws governing fair and accurate credit reporting. This has affected my livelihood and my children, as I depend on my credit to sustain us through this pandemic. I cant now because Experian is deliberately avoiding and following the laws of the Fair Credit Reporting Act and its laws, and not fixing or removing the incorrect/inaccurate information on my credit report, after several attempts at making this issues known to them.
Consumer complaint received 2021-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (CA)

I have been calling Net Credit since XXXX, XXXX regarding this fraudulent account, no one returns my phone calls. I also asked that they send me a copy of the original contract ( by mail ) since they stated the account was opened in XXXX. I have yet to receive it. I sent a certified letter to Net Credit on XX/XX/XXXX and yet no one answers the letter and o returned phone call. I called again today XX/XX/XXXX requesting the original loan contract and again, I spoke with a young lady stating her name is XXXX, XXXX stated that this was an online account and I would need to give her my email address. ( I refused ). Again, I asked by mail to have a copy sent to me. I know this is fraud. There is a {$5100.00} debt on my credit and it is not mine. I need to know how to move forward getting it deleted. This is so unfair. 
Totally illegal to attach a debt on my credit report if you will not prove that it is mine.
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (GA)

I never did and currently do not have any collections of charge offs with the Department of Veterans Affairs. Experian has stated that they have verified this information which I know they have NOT because it is not true and after numerous requests they have not provided me with a copy of the verification which is required by LAW under the FCRA. This needs to be removed immediately because they are in DIRECT VIOLATION of the FCRA by reporting false information.
Consumer complaint received 2024-02-25
Product: Credit reporting 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 noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2024-02-25
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. (NV)

XXXX XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$31.00}, XXXX written off. {$31.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$31000.00} Disputed account with credit report agency. Wrong person.
Consumer complaint received 2024-02-25
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. (NV)

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 XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX # XXXX Employer ( XXXX ) : Dominoes/Dominos Name ( XXXX ) other than XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bend Oregon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) : XXXX XXXX XXXX, XXXX has/have violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have XXXX bankruptcies showing on my credit report XXXX  XXXX XXXX XXXX XXXX This information was disputed with Experian on XX/XX/2022 Experian says that they verified this information with XXXX on XX/XX/2022 XXXX XXXX does not have any Bankruptcy information on Me showing in my XXXX consumer report. I have attached a copy of my XXXX consumer report dated XX/XX/2022
Consumer complaint received 2020-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (WI)

I opened a new checking account with hsbc bank on XX/XX/XXXX using a promotion link that offered me a XXXX welcome bonus if I met the criteria in the offer. I met all the criteria but was never paid. Contacted them via message in their app on XXXX, received a response just restating the promotion details. 
XX/XX/XXXX received another message after inquiring again stating they were sending it to promotions team for review. 
XX/XX/XXXX received another email from promotion stating I didnt apply thru the right link. 
XX/XX/XXXX they restated the same message but asked me to provide more details. 
I couldn't upload documents using this system so I called on XX/XX/XXXX and spoke to XXXX employee # XXXX. He escalated the case and promised me a call back by within 5 days. No call back so I called back spoke to XXXX on XX/XX/XXXX. She promised me a call back on XX/XX/XXXX and never did. I called again on XX/XX/XXXX, spoke to XXXX # XXXX, she said XXXX would call me back within 5 min he never did. I can't continue calling and getting nowhere with this.
Consumer complaint received 2022-04-26
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. (OH)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

ChexSystems is inaccurately reporting an account that I was never attached to on my consumer report. 

XXXX XXXX XXXX. states that an account was closed for overdrafts. i was never on the account because I was denied an account with the bank. As of XX/XX/XXXX is the date in which is was reported. {$1000.00} - the address that it is reporting does not belong to me. 

XXXX XXXX  XXXX XXXX has an account on my report still showing that it is unpaid when i paid it off years ago. XX/XX/XXXX unpaid status
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BONDED ADJUSTMENT COMPANY (WA)

On XXXX XXXX, 2020, BONDED ADJUSTMENT COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA BONDED ADJUSTMENT COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

Been trying to resolve the issues with wakefield & associates and i explained to them that I didn't reside in XXXX, TN where the original collection was from, i even fax the a copy of my driver 's license and my insurance card to prove to them I didn't reside in XXXX or the state of TN. 

This is their fax number that was given to me by their agents : XXXX XXXX XXXX XXXX. 

They verified they did receive the copy of my ID and my insurance card and Instead of working with me to resolve the issues, they still insist that I owed them the money even though is obvious that my ID showed different state and address, they even threaten me by assuring me that they are going to destroy my information and they did follow through with the threats of destroying my credit history and now my credit reports show that i owed them money. 

Please assist me on this issues and punish them as the fair debt collection practices states they shouldn't threaten the individual and instead this company not only threaten me that they are going to destroy my credit, they follow through with their threats and now, my credit reports was destroyed by them.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

Went in to the TD Bank branch on XX/XX/XXXX to open the account in person. Deposited {$710.00} cash. Left with a debit card and was able to use the debit card that evening. 

On XX/XX/XXXX, I tried using the debit card at XXXX right at XXXX and it says its not authorized. Tried logging in to my account online to get the customer service number and I no longer have access to my online account. Call their customer service and they tell me my account is locked pending in-person verification and I have to go to a branch. I immediately go to a branch with two forms of ID. The gentleman has to fill out a form and tells me that they cant give me any money until the fraud department re-opens my account which would be up to an hour. 

On XX/XX/XXXX, I call their 1800 number to check the status at XXXXEST. They tell me that it should take 15mins to 2 hours. I call back two hours later and they keep telling me that now they have no idea when my account will be open again. I am flying out to Colorado at XXXXEST and I have to money to do so. Ive now called back ( Im currently on hold ) and the woman is telling me there are zero notes in my account and she doesnt know whats going on. So now Im left with no access to my account and a group of clueless people who are basically stealing my money at this point.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eagle Accounts Group, Inc. (IN)

I applied for a home equity loan and when the bank checked on the property title they found that there was a lean on the property placed in 2019 from Eagle Account Group in XXXX. So I called Eagle Account Group and talked to XXXX told her who I was and gave her the complaint number. She then asked me my birth date and if my middle initial was C, I told her the date and no it was W. then she asked if I live on XXXX  XXXX XXXX. or ever had, I told her no and that I have lived at my current address for over 30 yrs. she tells me that my middle initial doesn't match the address that they have in there file. Could not get any more information from her, she just kept saying I would have to have the bank contact her to verify who I am. I have never received any notice from them about any past due bills or anything ( probably because I'm not the right person ) I don't see how they can just pick a person with the same first and last name and put a lean on they're property. Shouldn't they make sure who they're filing on by checking birth dates and social security numbers or even contacting the person that they pick at random. Now I have bad credit report and a lean on my property for no reason other than the fact that I have the same first and last name!
Consumer complaint received 2022-04-26
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, XXXX XXXX XXXX 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 all have 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 states : A consumer reporting agency can not furnish a account without my written instructions. 

I have disputed these accounts with XXXX for 12 months with no live support or initial investigation that has been completed from initiated disputes.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NC)

After loan closed received instruction for monthly payment and set it up accordingly. In addition to the monthly payment I emailed the company to apply all additional payments to principle only. After making 8 additional payments on a weekly basis they called to notify me that they pushed all payments to XXXX as early payments because I should have called them and there is nothing I can do about paying early. They already applied my payments until next XXXX. 
No company should have the right to take all payments and apply them how they want to without customer notification and secondly call to tell you they were applied to the account differently than requested by customer
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account 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.