davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-08
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. (PA)

I am writing to file a complaint against the credit reporting agencies for their willful neglect to investigate the inaccurate items on my credit report. I have reason to believe that my credit report contains inaccurate and unauthorized information that has been placed on it without my written permission, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

So these accounts XXXX shows inaccuracies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Have all these violations with proof to prove my case and in know the scrutiny the Credit agencies are under for not following the law and I'm not afraid to take this as far as needed to have these items removed or I'm I'm left no choice to proceseed to legation!!

I have made multiple attempts to dispute these inaccuracies with the credit reporting age

ncies, but they have not taken any action to investigate or correct them. This is a clear violation of 15 USC 1681i, which requires credit reporting agencies to conduct a reasonable investigation of any disputed item on a credit report. Furthermore, I have reason to believe that my personal information was used without my writ
ten authorization, which is a violation of 15 USC 1681 section 604 A. As a consumer, I have the right to control who has access to my personal information and how it is used. The credit reporting agencies did not obtain my written permission before placing these items on my credit report, which is a clear violation of my consumer rights.
I believe that these actions fall under the term of identity theft as defined in 15 USC 1681c-2. My personal information was used without my permission, which constitutes unauthorized use of my information and is a violation of my consumer rights under 15 USC 1681q. These inaccuracies and violations need to be removed from my credit report immediately. 




I want to remind the credit reporting agencies that I am aware of my rights to sue any company that knowingly furnishes inaccurate information on my credit report, which can result in penalties of up to {$1000.00} per violation under 15 USC 1681n.

In conclusion, I urge the Consumer Financial Protection Bureau to investigate my complaint against the credit reporting agencies and hold them accountable for their willful neglect to investigate and correct the inaccurate items on my credit report. I request that the inaccurate items be removed immediately and that the credit reporting agencies take steps to prevent this from happening in the future.
Consumer complaint received 2020-10-09
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. (MA)

***PLease don't ignore the attachment for supporting documents***** How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment remarks on my credit for last year 2019. I'm not quite sure what's happening with XXXX XXXX  or XXXX   XXXX  not responding, but as you can see on the attachment, i have approved for extension when i called back the last XXXX and honestly i can not be marked late on my credit report. I've already called them and the representative stated that might be an error that i should contact the credit reporting agencies. I been trying to reach both XXXX XXXX  and all the 3 credit bureaus for more than 90 days and i still haven't received any responses. 


I am not sure how this happened, but this is reporting in error and violation of the written contract and even some CRA is reporting incorrect, incomplete, unverifiable and inconsistent information. One is reporting the wrong date of last active, wrong date of last payment, each bureau are showing different payment status, etc. This is impossible if this was ever verified. Please correct and delete from my credit report.
Consumer complaint received 2023-01-27
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. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2020-10-09
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. (NJ)

during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MT)

I have been a Synchrony Bank/Discount Tire Customer for 14+ years. The last time I purchased anything on the account was in XXXX of XXXX. I paid the card off in XX/XX/XXXX. I logged into the website to check the account and see how much my credit line was to find out that they company had closed my account in XX/XX/XXXX. I reached out to the company and they stated they had mailed a letter. The company confirmed my mailing address. To do this day no letter has been received, they have the correct address. The reason my account was closed was due to our credit score decreasing due to other companies lowering our credit limits and our debt ratio looks terrible now. What poor customer service and to cancel an account for a long time customer with XXXX balance is completely absurd.
Consumer complaint received 2020-10-09
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. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX/XXXX  XXXX Inaccurate XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Inaccurate XXXX  XXXX Inaccurate XXXX  XXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MO)

On XXXX XXXX the store did preauthorization my purchase. The preauthorized purchased was then applied to the account on XXXX but instead of changing it from a preauthorization to a purchase, the same amount was subtracted from my credit limit ( XXXX as a purchase and XXXX as a preauthorization ) from my credit limit causing it to be negative amount. I only made one purchase for XXXX, not two which is what was deducted from my credit limit causing me to look like I'm over my limit. This error is effecting my credit score. I have asked them to fix the amount, but I get an automated response saying if you canceled the order please wait 7-10 days to correct.
Consumer complaint received 2024-10-23
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. (NJ)

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 2020-10-09
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. (NJ)

during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for the Hilton Honors Amex card in XXXX of this year XXXX. First time I've owned the product and it had a welcome bonus of XXXX Hilton points after a minimum spend of {$1000.00} in the first 3 months. I hit the spending bonus on XX/XX/XXXX XXXX statement closing date XX/XX/XXXX ), so less than a month after applying for the card and well within the bonus requirements. Till this date XX/XX/XXXX I have not received my bonus points. They state can take 8-12 weeks to receive, but it's been 17 weeks and I haven't received anything. I've called multiple times with no success or resolution. The last time I called was around the end of XX/XX/XXXX, and they said basically, I'll get the points when I'll get the points. That there is nothing they can do to get the points to me manually or expedite them ( it isn't expediting if it's been 17 weeks ). I feel like this is a bait and switch. I will say I've had an awesome experience with their other Amex cards however.
Consumer complaint received 2020-10-09
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. (CA)

Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called this XXXX XXXX to pay off my accounts. The manager refused to give me his real named and said his business name was XXXX. He refused to send me a letter stating that he would remove these accounts from my credit report and claimed he could only verbally say it over the phone. I stated several times that I would pay him in full once I received the letter but he refused every single time. He threatened to take legal action and I told him I wasnt afraid to see him in court and explain to the judge that I tried to pay several times and he refused to send me a letter. After several minutes of threats for legal action, I asked him to please send me the letter so I had proof or to stop calling me. He once again refused the letter. He again refused his real name and said his business name was XXXX. I want to pay and he made it very difficult. I do not understand why they wouldnt want to work this out.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MD)

Greetings. I am a Wyndham Hotel Rewards/Barclay card holder. Last holiday season ( XXXX XXXX season ), I continuously received emails from my card company saying I will receive XXXX points for every dollar spent up to XXXX points and if I spent at least {$3000.00} between XX/XX/XXXX and XX/XX/XXXX, I will receive XXXX extra points for XXXX points total if I spent {$3000.00} by XX/XX/XXXX of XXXX. 

I have met my side of the bargain, I spent the money, shopped and now have those {$3000.00} being paid back with interest. However, the credit card company will not meet their part of the commitment. 

They have only credited me XXXX points and not the XXXX total points I was promised. Every time I call Wyndham rewards card, they tell me to contact Barclay. When I contact Barclay, they tell me to talk to Wyndham. Finally now they are sending me a letter saying I should contact them by mail.

I am so tired going back and forth between these two giants. I don't know why this has to become complicated given that their instructions were clear. Nothing to sign up for etc. just spend this amount in this period and get your points. I don't see why this should drag out till now. 

Soon the XXXX holidays will be upon us again and they will tell me " too late now. '' I am here paying back the {$3000.00} I spent plus interest and taking all this time which I do not have back and forth on the phone with them and I am not also now going to start writing letters back and forth now as well. They have been giving me the run around back and forth now for months! 

I need those points for my summer travels, which is why I accepted the offer in the first place. Now I am booking summer travels with new money with no points to help and that is not fair and unacceptable!!!
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

In early XXXX, I was notified by XXXX that my email and password were compromised on the dark web. I started to receive alerts from other companies that my identity had been stolen. I checked my primary checking account and noticed there were 11 XXXX Debits to unknown persons, as well as a deposited ( eventually returned ) forged check in the amount of {$2000.00}. The XXXX debits totaled {$11000.00} but only {$9000.00} were credited back to me. There remains an additional {$2000.00} that has not been credited back to me that was Fraudulent due to the data breach.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX never late COLLECTIONS 01 XXXX XXXX  XXXX {$160.00} not mine 09 XXXX XXXX XXXX XXXX {$3500.00} not mine 10 XXXX XXXX XXXX  XXXX {$1300.00} not mine 12 XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX anauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : CH-XXXX  XXXX not mine
Consumer complaint received 2020-10-09
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. (CA)

Hello - My credit score was above XXXX and for the last two months, I see a decrease of 10 point average. I have informed XXXX XXXX XXXX about this issue then they stated that they are not reporting my credit. 
My bills are all paid in full at the end of each month. All credit agencies are reporting similar.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Complaint ID number : XXXX I have a Bank of America cash rewards credit card and my BoFA bank branch is in Pacific Time zone. The credit card statement, bank website and mobile app advertises the due date as XXXX every month. I always make my payment online before the due date Pacific Time assuming that due date advertised is as per the time zone of my bank branch. However, I was still charged late fees. This happened for following months : 1. XX/XX/XXXX - Late Fee {$25.00} + Interest {$11.00} 2. XX/XX/XXXX - Late Fee {$25.00} + Interest {$25.00} 3. XX/XX/XXXX - Late Fee {$39.00} + Interest {$3.00} 4. XX/XX/XXXX - Late Fee {$39.00} + Interest {$10.00} 5. XXXX XXXX - Late Fee {$39.00} + Interest {$11.00} Issue Timeline : 1. XXXX XX/XX/XXXX : I noticed this issue and filed a complaint with bank. I was, however, informed that the payments are expected to be received by XXXX Eastern Time. The agent reverted late fee forXX/XX/XXXXas courtesy. However, she expressed inability to revert late fee charges for preceding months. The on call agent promised to escalate the issue and promised a call back in 24 hrs. 

2. XXXX XX/XX/XXXX : I received a call back from the bank. However, the agent was unable to help me and promised to further escalate the issue. She also promised a call back in 48 hrs. I never received this call. 

3. XXXX XX/XX/XXXX : After receiving no call back, I called the bank to followup on the complaint state. On call agent expressed inability to help with the issue and advised to wait more time for review process to complete and receive a call back. He also recorded my complaint about no call back received. 

4. XXXX XX/XX/XXXX : Having still not received any call back from the bank, I again called the bank to followup on the issue. The agent informed that bank is not able to refund the late fee charged since the XXXX XXXX XXXX document specifies the due date as XXXX of every month Eastern Time. 

I have had this credit card for over 3 years now and I have always made my payments on time without issues. The credit card statement, bank website and mobile app fail to specify time zone for payment due date which led me to believe that the due date is with respect to location of my branch. I feel that the bank is providing incomplete/incorrect information causing confusion about the actual payment due date and time leading to late fee payment fines. In addition, it is impractical to expect a consumer to read XXXX XXXX XXXX document for payment due date every month before making payment especially when the due date information is advertised on credit card statement and bank website. 

A screen shot of the credit card statement and bank website with payment details has been attached.