davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I am making a dispute against SYNCB/CARE CREDIT in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Consumer complaint received 2022-08-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act the following acct # s 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 instructionsXX/XX/XXXX Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilization:118 % Date opened:XX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date openedXX/XX/XXXX XX/XX/XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date opened:XX/XX/XXXX XX/XX/XXXX Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date openedXXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXXAmount XXXX {$380.00} Status date:XX/XX/XXXX Balance dateXXXX Account designator code :XX/XX/XXXXAccount number : XXXX XXXX XXXX Date reportedXX/XX/XXXX Date assignedXX/XX/XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$22000.00} Status dateXXXX Balance date:05/31/2022 Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$500.00} Status date:XX/XX/XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reportedXXXX Date assigned:XX/XX/XXXX Amount : {$310.00} Status date:XX/XX/XXXXBalance date:XX/XX/XXXXAccount designator code : Individual account Account number : XXXX XXXX
Consumer complaint received 2022-08-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-14
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. (DC)

In XXXX I reached out to TransUnion in reference to unauthorized inquiries on my credit report and was advised to send in a FTC, police report with copy of my DL/SS card and I did. So I gave it a few weeks before I called to check on the status after being told they needed those documents to remove the unauthorized inquiries. 
On XXXX I reached out again after seeing this fraud alert on my report that had phone numbers in the alert that wasn't mines. I spoke to representative by the name of XXXX XXXX that could not speak XXXX that well and asked her about my situation. After asking her multiple times about the report and the false information on my file she stated she could not help me and the paperwork was not in to support my claim. XXXX XXXX got very upset and started to be rude. I asked for her supervisor she told me no several times until after I told her my rights were violated and I wanted her supervisor. She later transferred me to another representative is when she answered the phone and someone was making homophobia remarks about me keep calling in which i reported to the XXXX organization!!! This representative name was XXXX XXXX who also came on the phone with a poor attitude and refusing to correct the information on my report or use the documents sent in to remove the fraudulent information. XXXX XXXX was very argumentative is when I told her they had false information on my report that they refuse to remove after I didn't authorize them to add the statement on my report since this number belongs to someone else just as the inquiries that need to be removed ASAP.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NH)

I froze my BJ 's credit card after the BJ 's club membership automatically renewed. This would have been in the beginning of this year, prior to XXXX XXXX. I am not enrolled in paper statements and selected that recurring charges not be allowed on the locked card. I then saw an issue on my credit score and logged into all of my accounts only to see the locked card that is not supposed to be accepting charges, recurring or otherwise, and I see they allowed a charge on XX/XX/XXXX. I started a dispute on XX/XX/XXXX and was told to expect it to take 30 days, since I have called back they have told me it would be 2 months and just today ( XX/XX/XXXX ), I was told it would be up to 3 months. I checked and the card still says locked and to not accept recurring charges. As a result of this fraudulent activity allowed by BJ 's on their credit card, my credit score has been greatly affected and I have lost approximately XXXX points. Another credit card was canceled because of this supposed delinquency.
Consumer complaint received 2023-02-14
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. (VA)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2023-09-16
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. (TX)

I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I logged onto my Bank of America app to see my balance had changed dramatically. My savings account had {$9300.00} available the last time I was logged on. On XX/XX/XXXX there was only {$3300.00} available. I had {$5900.00} dollars stolen from me in XXXX days. I then got into contact with BOA and they told me they would look into it. Most of the transactions were through XXXX to a person I dont even know however I have her number from her being added to my XXXX contacts. There was also money withdrawals from an BOA atm when I had my card. BOA denied my refund leaving me in a horrible position. They can see that this person was added and all this money was sent with NO communication with me. They also stated it was NOT me at the ATM yet im still responsible. They also informed me that it was a male and he was on the phone and somehow that means I authorized it. I stated they could check my phone but they didnt care. I am a hard working college student and this HURT. BOA is a millionaire dollar company that will not return my {$5900.00} that I worked HARD for. I had been a valued customer for 5 years yet they did nothing about this incident.
Consumer complaint received 2023-03-10
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. (TX)

I received a notification from XXXX XXXX on XX/XX/09, which stated I had a Hard Inquiry on my Credit Report. It stated it was created on XX/XX/09. This was a Hard Inquiry from XXXX XXXX. I haven't done business nor do I have an account with XXXX XXXX. I called XXXX XXXX and talked with their Fraud department. I inquired and they stated they had no information on an application, or an account... 

They stated to call the credit bureaus. I did so, and the Credit Bureaus told me to submit this to you all and upload this to their website.. 

Can you all please help? I believe this is Identity Theft and I am taking actions to get some protection although I would like the Hard Inquiry removed from my Credit Report if possible. 

Thanks! 

Regards, XXXX XXXX
Consumer complaint received 2023-02-10
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ;
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of this year I shopped for my XXXX XXXX XXXX XXXX XXXX XXXX Saks 5thh Avenue. Since the merchandise was low in the store, the sales person suggested opening up a credit card through Saks which is Capital One.. I was given a large credit line as my XXXX XXXX is excellent. I purchased XXXX dress, alternations for it, shoes, purse and a purse from Saks off 5th- I returned everything else. For several months I did not receive any statements and was alerted that I was late on payment - my assumption was all the credits offset charges. I spoke live with my XXXX contact who said they were having problems with many not receiving their statements. He waived late fees. The statements continued to come to me and I noticed the amount owed exceeded my purchases. I requested they provide me a description of any charged/purchased item I did not return. They were unable to do so!! They have set up a horrible accounting situation with Saks. No itemization and could not provide me ANY proof. They suggested I go to the store which does not have any billing employees!! I then was connected with fraud who promised me they would resolved this. Please note I have XXXX  ( Icon membr ) as well as Platinum XXXX- they can ALWAYS provide me proof of charge, items, etc.and will do the research if necessary. I have continued to pay in excess of what I purchased to keep my XXXX XXXX good. {$2300.00} The last convo with them they now say it's beyond 60 days and they can not help any more. They are holding me XXXX!!