davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXXendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

I earned {$10.00} reward at JCP store toward future purchase. Expiration date of reward XX/XX/20 On XX/XX/20 I made purchase at same store. They refused to honor reward. In response to my complaint JCP advised the store was only honoring rewards up to XX/XX/20 hence no adjustment. 

Such terms were not stated yet enforced when questioned. Clear deception. 

I would like this matter pursued to stop such unethical behavior. 
' I will attach documents if this system allows. 
Thank You XXXX XXXX
Consumer complaint received 2023-04-11
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: Chime Financial Inc (KY)

I use the Chime credit card to receive my direct deposit paycheck every week. On XX/XX/XXXX while at work i got several chime notifications that my chime card was being used in Tennessee for {$75.00}, then {$170.00}, and another {$170.00} at XXXX. I immediately got on the chime app and locked my card, but they still let another {$75.00} charge come through. My fraudulent charges were totaling over {$400.00} at this point. I called chime and they said they could only refund the {$75.00} charge that was allowed through while my card was locked. They said for the other {$350.00} I have to wait until it is out of pending to dispute. On XX/XX/XXXX when charges were fully posted I contacted chime again, told them I had opened the dispute already for the charges, to which they said my case will be closed on XX/XX/XXXX, several months from now. I said that is a ridiculous amount of time to wait for my stolen money to be refunded, to which they said they XXXX be able to issue me a temporary provisional credit to cover the charges on XX/XX/XXXX. The supervisor says that she can not personally issue the credit, no one can, that it is all done on an automated system. I asked if I could speak to the fraud department investigating the charges and each time I called the supervisor always says no they dont have contact with them at all, no email or phone number can be given. It is not right that my money was stolen from me in a different state and I can not even be issued a provisional credit. I am out {$350.00} still. They also would not send me an email transcription showing each time I call or any type of paper trail about my complaints.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has a completely different reference # than the other 2 bureaus, XXXX is missing the date settled, all bureaus are missing the liability amount and status of the account
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

( XXXX, XXXX XXXX ) ( XXXX XXXX XXXX  ) ( XXXX, XXXX ) Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date : AV : XXXX XXXX /Opened XXXX XXXX Credit Limit {$1500.00} High Balance {$99.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX credit card Account Number : XXXX Date AV ; XX/XX/XXXX Opened XXXX Balanced Owed {$400.00} Credit Limit {$1500.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Collection Account : XXXXXXXX XXXX Account Number : XXXX Date AV : XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$2500.00} Credit Limit {$3000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : US Dept.of Education/GL Account Number : XXXX Date AV XXXX XXXX Opened XXXX Balanced Owed : {$31000.00} Hig Balance {$24000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXX XXXX Account Number : XXXX Place in collection XXXX XXXX Last Verified XXXX XXXX {$1200.00} Placed in collection XXXX Last Verified XXXX, XXXX {$880.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

XXXX XXXX XXXX in XXXX ga coded XXXX XXXX incorrectly. 
XXXX Charge turned over to collections is {$150.00} This was a no charge XXXX XXXX that she coded wrong. This is preventative procedure for XXXX. 
XX/XX/ order date. She used order diag as XXXX. 
I have repeatedly called so many times to her to correct. She finally corrected it but I dont know how it needs to be submitted to credit unions to remove it. She informed me that the code was changed. I have filed disputes to all 3 Credit agencies. 

XXXX has deleted from my account but the other two have not. 

This has reduced my credit score and I can not get it corrected. 

I can send the report if you let me know how Drs phone number is XXXX
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (GA)

I am not sure that I selected the correct items for this complaint. I paid off my car loan with XXXX XXXX XXXX XXXX ( which was more that {$3000.00} ). Yet, my credit score was decreased 13 points and it was given that closing that account was the reason! Why would closing an auto loan account penalize and decrease my credit score?
Consumer complaint received 2022-04-22
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. (GA)

I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX  XXXX XXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-04-22
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. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-06-20
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Forster & Garbus LLP (NY)

I am being garnished for 6 private student loans that I have already been told by XXXX XXXX and XXXX XXXX that they were not mine, were not collecting and stopped collection all together. XXXX took these loans over, the paperwork from XXXX XXXX obviously did not go to them and trying to deal with XXXX has been nothing but trouble. I sent them a letter, got a response from the office of customer relations and basically, they did not even look into my complaint or take it seriously. The response is attached below, but basically they passed this off on the collection company XXXX XXXX, who said Forster and Garbus has the loan and they don't have anything to do with this. I am getting the run around and being garnished over a loan that is not mine!
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : (

1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

TransUnion doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and Transunion still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2020-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WA)

We started the refinance process back in XX/XX/XXXX with Freedom Mortgage and it has been a constant roller coaster ride of contacts changing, numbers disconnected, issues with our address, incomplete information on the Mortgage side so they had to go back to square one. At one point the title company had said our property was paid in full. We kept being told it was with the underwriters but then it would be incomplete. We have dealt with an address issue 3 times because we have a po box ( this concept is not new ). We are still not closed, we just called again on Friday XX/XX/XXXX and was told they needed to speak with the manager and get back to us. But of course we have not received a call back. This refinance was going to cost us {$4000.00} but I was expecting it to be done by XXXX at the latest, were going on to 5 months now. Our locked in rate expired back in XXXX. I just want them to either say no we will not do this refinance so we can move on, or finish it. Again I was financially expecting this to be done by XXXX and it has caused us financial strain
Consumer complaint received 2022-07-21
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. (IL)

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 2022-05-04
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. (HI)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

During the week of XXXX2021, I received a Pre Selected offer of a cash bonus credit card from Capital One. On Sunday of that week, I went online to apply for this card. I had been given a Reservation # and Access Code.

The application took all of my contact information, including my birth date, annual income and Social Security number. The very last requirement ask me to take a video of myself and upload that along with a photo of my State ID. At XXXX, this is something I could not, nor know not, how to do! As a result the website stated that my application was DENIED. Ok, no problem. 


However, a few days later I received a voicemail from Capital One, suggesting that " a credit application was made by someone using my personal information '' and I should call their Fraud Dept XXXX XXXX XXXX XXXX to discuss this concern. Even though I thought I was finished with this issue, I did return the call and spoke with a woman at that number, confirming that I had filled out an application, but it had been DENIED. She said that if I sent XXXX forms of ID to the company, it could be processed. I clearly told her [ this conversation was recorded by the company ], that I did not care to send in that information and I DID NOT WANT THIS CREDIT CARD. Case closed, right! 


Today, XX/XX/2021, I received a Credit Card in the mail. It was from Capital One, but lacking any information regarding the cash offer. Calling the company at XXXX XXXX XXXX XXXX, I complained about the unsolicited card. I was told by the representative, XXXX, that the account was open, that I HAD applied for it, but it was " restricted '' until I sent in XXXX forms of ID. REALLY??? I requested that this account be closed and without reporting it to the credit reporting agencies, since I had not approved the application. I was informed that was not possible. 


It is my understanding that an unsolicited credit card is an illegal action, according to Regulation Z, the Truth In Lending Act. I do not understand how a website saying Application Denied, along with a phone conversation saying I did not want the card have become such a hassle for me? What does this company expect from an elderly, old school lady, following their error in issuing a card? How can Capital One not offer to cancel this unwanted card and also maintain my stellar credit rating - by not reporting their error - as a measure of good will or simply as the right thing to do? 


Please advise how to finalize this unfortunate and time wasting issue.
Consumer complaint received 2022-04-25
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. (LA)

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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-23
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: EQUIFAX, INC. (FL)

I have sent my 609 letters requesting verification and validation of information on my credit reports. By law, 100 % of the items on my credit report are to be validated and accurate. They are not currently.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (TX)

I recently submitted a request for an INVESTIGATION of this account, and they treated it as a DISPUTE. I never gave written consent for this account to be furnished on my credit report. Therefore my rights have been violated. They closed the INVESTIGATION with the excuse that the creditor verified the info was right, but how could it be right if I never gave written consent for this account to be furnished? Also I dont believe their INVESTIGATION was done right, as they were calling it a dispute, Im not disputing the information Im telling you that the information should not be furnished because I did not give consent. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.