davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (VA)

On XX/XX/XXXX I borrowed {$1000.00} To date I have paid {$7400.00}. 
On XX/XX/XXXX I called and talked to XXXX at XXXX XXXX. She I had a current balance of {$1700.00}. I confirmed with XXXX that my revoke of authorization for auto XXXX XXXX charges was received and place on my account as of XX/XX/XXXX. 
I have repaid my load more than 7 times over and the balance keeps going up. 
I have asked for a help but don't receive any.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (DE)

2 fraudulent checks were withdrawn from my account with M & T for {$1000.00} in early XXXX I believe the date was XX/XX/11. 8 checks tried to be withdrawn but since I only had available funds for 2, only 2 checks went through. Each was made out to a different name and I did not recognize any of them. Checks were deposited in XXXX  XXXX XXXX accounts Check were manufactured with check numbers out of sequence. All information on the check was typed. Check had my signature on it and resembled a check I had written a few days prior. I filed a police and sign the affidavit with the bank. No one got back to for months. I called several times and they had no updates for me. In XXXX the bank closed the account and then sent to me collections for overdraft fees from the checks. I was told those fees would be waived once this issue was resolved. I went into the branch end of XXXX/early XXXX and spoke with the branch manager. She said everything was filed correctly and that they should have opened another account for me to attach the case too. She also said that I should have been given provisional credit, which I was never given. She called the department handling the case and started emailing them. She said she would call me with updates and gave me her card. She called me the next day and said they were working on and it since my account was closed they wouldn't need to open another they would have the money added to the branch and give me the funds from there. I emailed the branch manager and called her direct line several times over a 2 week period. I finally had to call the branch directly to get a hold over her. She told me that they declined my case, she couldn't give me a reason and said that she opened another case. I asked for the number of the people handling my case in fraud and the investigator, she could not give me either she gave me the 1 800 number for the fraud department and said if I called them they would just put an alert on the case. This has been 7 months of terrible customer service and communication.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 170 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 the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-08
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. (NJ)

there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2022-01-17
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. (NY)

XXXX I made a compliant with CFPB and this information is still on my report and is very inaccurate. The XXXX account is appearing as a charge-off without the XXXX day report. Further, this account allegedly was opened in XXXX and there is no history being reported. I disputed and filed a complaint on XX/XX/XXXX and provided reports as well as letters that were sent certified mail and this account is still being updated and verified on my report and shows many inconsistencies and inaccuracies. 

The XXXX account has many inaccuracies as well and comes back verified and updated. It is missing payment history as well as the ND shows that there are inconsistencies in the source of this information. I have asked Transunion to provide me with the source of where they are verifying these accounts and they failed to do so.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2022-12-13
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. (AZ)

I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : XXXXXXXX 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 All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.
Consumer complaint received 2021-06-22
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. (VA)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I am a man of XXXX and I feel like these credit reporting agencies are taking advantage of me because of my race. I sent them a official statement on XX/XX/2021 notifying them that these accounts were Fraudulent, so they were supposed to remove them after 4 days of receipt of my letter, but they did not. it is now XX/XX/2021 and these accounts are still reporting to my credit report. they are only treating me like this because they feel like I don't have consumer rights because of my race.l they are discriminating against me and my consumer rights. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2024-02-13
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. (MO)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-02-13
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the issue of late payments on my account. It has come to my attention that there have been instances of payment delays, and I want to express my sincere apologies for any inconvenience this may have caused XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My social security number is XXXX XXXX my complaint on equifax credit reporting agency there's a charge off from XXXX XXXXl it's fraud and supposed to be removed please have equifax removed that one averse account. And regarding XXXX XXXX there are four charge off accounts that are fraud please have XXXX XXXX removed them I have a fcc report on file and regarding experian there are 3 negative items that are fraud I have a fcc report
Consumer complaint received 2022-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

ON XX/XX/2022 AT XXXX I SPOKE WITH A BULL CITY SOLUTIONS REPRESENTATIVE NAMED " XXXX XXXX '' I EXPLAINED THAT XXXX XXXX POSTED DUPLCATED ACCOUNTS ON MY CONUMER REPORT THAT REFLECTS NEGATIVELY ON MY CONSUMER REPORT. AS A RESULT, I HAVE DISPUTED THE ITEMS CONSIDERING THE 9 YEARS THE ACCOUNTS WERE LISTED ON MY CONSUMER REPORT WITHOUT MY KNOWLEDGE.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-07-19
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. (NJ)

In regards to account XXXX XXXX XXXXXXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. 

You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. 

This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. 

Contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WA)

XXXX XXXX XXXX kept the bill and when the debt collection timeline passed, they sold the debt to another collection agency and restarted the debt collection timeline. 

Then, while trying to apply for a mortgage, I settled with ERC ( enhanced recovery company ) for {$390.00} which was less than the original debt, but I was told that I could settle for less than the total debt owed and this would take care of the problem. 

However, after I settled with ERC, they would not provide the correct documentation to show that the debt was settled and I no longer owed any money on that account. 

They would only provide the correct documentation when my mortgage loan officer did a 3 way call with them and informed them that she would be contacting the president of the company to report that they were violating the following law : Here is what the law says : Since they report to at least 1 bureau they must follow FCRA reporting rules and provide non contingent invoice/confirmation of the acct being a zero balance either via snail mail, email, fax upon request. 

Beyond that, the " supervisor '', XXXX XXXX, was incredibly rude, condescending, and seemed to take pride in being difficult and not providing what I needed.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

Previous complaint filed with CFPB back in XX/XX/2020. 

Fees were not fully refunded when balance was paid in full. 

The company continues to contact me on my cell phone when I previously advised them they are not to contact me on my cell phone. 

They are charged me fees on top of fees which has amounted to additional late fees and finance charges. 

They have also called me and failed to disclose that they are calling to collect on a debt which is a violation of the Fair Debt Collections Practices Act. ( Mini Miranda ) When I called out the regulatory violation the representative laughed at me and called me a liar and said I did not know what they were talking about. 

They also did not disclose that they were recording the call or not, if they were that is a violation of TCPA where it is a requirement to advise a caller they are being recorded. 
I attempted to record the call but unfortunately it did not work. 

The numbers they call from are either Blocked or masked numbers which I believe is also a violation of TCPA
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Subject : Continued Dispute of XXXX  XXXX on Credit Report Current Dispute File number : XXXX TO WHOM IT MAY SINCERELY CONCERN : I am writing to dispute the following information in my file. 

This XXXX XXXX Bankruptcy is out of compliance as you can see that it has exceeded the maximum 7 years of punishment allotted. The XXXX  XXXX was filed on XX/XX/XXXX that will mark 8 years two months to the date. I am requesting that this item be removed from my credit profile. 

Enclosed is documentation supporting my request : [ describe the documents youre sending, for instance : my credit report, with the disputed items circled. 

Additionally, I have concerns as XXXX was impacted by a serious security breach that according to XXXX 's Maine Attorney General has put at risk sensitive information of 14.6 million individuals. 

Please investigate this matter and remove outdated information. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX REFERENCE NUMBER : XXXX DATE FILED : XXXX. XXXX, XXXX DATE DISCHARGED : XX/XX/XXXX CLASSIFICATION & TYPE : BANKRUPTCY, XXXX  XXXX XXXX XXXX REPORTED : XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. Credit reporting agencies have assumed a vital role to report accurate Consumer information.The credit bureaus stated my account was properly investigated, but how was that possible if there are inaccuracy with dates and balance amounts and address for Creditor XXXX XXXX XXXX. 

This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602 states I have the right to privacy 15 US C1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions USC 1681C85 section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 USC 1681S ( 2A ) 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. 

Also, XXXX credit bureau took more than 30 days to complete my previous investigation with this manor
Consumer complaint received 2024-02-13
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Hello, I used to have a TCF bank account ( both saving and checking ) when I was studying in college through XXXX until XXXX, TCF bank was the only bank in my school area. After graduating from school and married, I went to TCF XXXX, Illinois location in XXXX to close down both my accounts with TCF due to the distance. I withdraw all my savings and TCF bank clerk helped me to " close '' my account. 

However, since early XXXX, I started to received bills from Hungtington bank, who later bought TCF bank in XXXX and TCF doesn't exist anymore. And the Hungtinton bank bill keeps charming me " overdraw ' fees ( {$10.00} ) every month. I called Hungtington customer service line ( XXXX ) twice in XXXX to report this situations. First, I am no longer a TCF active user and already closed my account. Second, I never give authorization to Hungtington bank to open a 'new account ' with them and disclose my personal information ( my home address, SSN, name ) to them. After communicating customer service 2 times, I addresses the fact that I don't need an account with Hungtington and please checked that the account was closed successfully. And they did confirm on their end to say that it was closed. Unfortunately, on XXXX. XXXX, I received a bill from Hungtington bill again and charges me {$10.00} for overdraw fees. I tried to call the customer service and I was waiting for an hour but nobody picks up the phone at this point.
Consumer complaint received 2024-02-13
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. (FL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?