davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to file a complaint against XXXX XXXX regarding their inaccurate reporting of my credit card information to Transunion and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/, my XXXX XXXX account information was deleted from Transunion, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/, I immediately reported this issue to XXXX XXXX and requested that they correct the issue and report the account accurately to Transunion. However, XXXX XXXX has not taken any corrective action within the 30-day deadline ( reported XX/XX/XXXX  ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, XXXX XXXX  account information is still entirely missing from Transunion. At the same time, this XXXX XXXX account does exists on XXXX and XXXX. Keep in mind that XXXX XXXX  company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on Transunion no matter how many times I contact XXXX XXXX. I was told by XXXX XXXX  " everything is reported accurately. '' each single time I contacted XXXX XXXX about this issue. I reported to XXXX XXXX  in accuracy and even showed XXXX and XXXX Report showing my account information. XXXX XXXX  ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. XXXX XXXX has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.
Consumer complaint received 2020-07-01
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. (CA)

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XXXX/XXXX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Consumer complaint received 2023-06-23
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. (MO)

Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX card. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXXXXXX XXXX  about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am the victim of identity theft. On XX/XX/2023, XXXX criminals repeatedly accessed my Capital One Debit Card through internet fraud. One is disguised as XXXX XXXX the other presents as XXXX gaming. Together, they took over {$500.00} from my account. 

When the first withdrawal ( for {$89.00} from XXXX ) occurred, I reported it immediately to Capital One. Their representative thanked me for calling ( XXXX employee ) while more charges advanced. 

I told her the fraud was going on as we spoke. She did not understand. I repeatedly asked for my debit card to be shut down. I dont think the representative understood the problem because English was not her first language. 

After perhaps ten minutes on the phone, she finally put me on hold, shut down my card and returned. 

She then told me I could not file a dispute until all the charges ( which are pending ) actually POST to my account. I have no money. All my money was stolen as she held me on the phone. 

By the time I got off the phone, the criminals had taken over {$500.00}. According to Capital One, I must do without all that money until the transactions actually post. Until then, the thief enjoys my money ; I have nothing.. 

I want someone too investigate this fraud, stop the posting of these transactions BEFORE the theft is completed. What is the purpose of a pending transaction if the card-holder can not dispute? I need help.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (TN)

I received notice from American Profit Recovery , Inc regarding a debt of {$78.00} owed to XXXX XXXX. My XXXX XXXX account # XXXX has a XXXX balance. Please cease and desist further collection efforts and reporting of a collection to the credit bureaus.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Due to unexpected expenses, we hit our limit on our credit card. So we submitted a payment early in order to be able to continue to use it. We did this on XX/XX/2023. The money was taken from our account on XX/XX/2023. When I called to determine why my card was still being decline on XX/XX/2023, I was told that my payment would not post until XX/XX/XXXX, a full calendar week after the balance was paid, and nine days after I initiated the payment. In our case, it is more of an inconvenience, but I can see that this policy could harm people that are paying interest on their balances. In a case like this, Synchrony would have the funds, but continue to charge interest due to an unexplained policy that gives them seven days to charge interest on a balance that no longer exists.
Consumer complaint received 2022-12-04
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

it should say, copy and paste this
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

My ac count with XXXX was cancelled and all equipment returned. This account was closed in person at the XXXX store at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
Consumer complaint received 2020-07-01
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-29
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: Credit Management Control, Inc. (TX)

I have a loan with XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-04-24
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)

I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Consumer complaint received 2022-07-14
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Consumer complaint received 2022-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Fraud was reported to the Account on XX/XX/XXXX at approximately XXXX. On XX/XX/XXXX ( the same day ) Capital One determined quote believe you or another account user benefited from the transactions which could not be farther from the truth. 
As I explained to the multiple representatives I spoke with, I have a proven track record of paying my account in full and on time. I have never missed a payment. Why would I all of the sudden have bounced payments and charge up a $ XXXX balance on a card with a XXXX limit? 
I am not benefiting from this because it is affecting my credit report and Im being liable for charges that I did not approve. 
Capital One advertises a XXXX XXXX XXXX program yet doesnt even look into a fraud report for more than 24 hours from a valuable customer who has a PROVEN track record of responsible credit use and timely payments.
Consumer complaint received 2020-07-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$2600.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, Transunion and XXXX has violated my consumer rights according to 15USC 1681K Please have removed from my consumer credit report asap. 

I have contacted them in regards to my prevention of employment and my consumer rights and they have not budged.
Consumer complaint received 2021-09-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2020-07-01
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. (AL)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (FL)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME OR I HAVE ANYTHING TO DO WITH THE COMPANIES. 

NOTE : MY PERSONAL INFORMATION WAS COMPROMISED BY XXXX, XXXX, XXXX, AND XXXX XXXX  WHICH I WAS RECENTLY NOTIFIED.
Consumer complaint received 2024-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (OH)

I got a US Bank reliaCard through Ohio unemployment. Card was loaded with weekly unemployment compensation and I wanted some money transfered on my personal checking account with another bank. THe website provided an option called billpay. I went there and in the submenu you can chose a company or person. I chose person ( checking/savings ). i initiated the transfer on XX/XX/XXXX and everything went through on their site. See attachment. After 9 days, the money was still not on my checking account and I called US Bank help center. The lady explained to me that this option is not possible. ( but it went through without any problems ). Still dont know why the option is on their website when it does not work. either way, after an hour discussing with her we decided to dispute the transfer and get my money back on my Debit card. we went trough the dispute process, she filled everything out and asked me to upload a screenshot of that transaction screen. After we hung up, i tried to to login to upload that document only to find out, that XXXX cant login anymore and my card is canceled. called them again to find out. since that transaction is disputed a have no access to my money anymore. I have to wait till this is all resolved but i will get a new debit card. I fear my mony will be lost and uS bank works with my money as long as possible. 
Please help me get my money back, I need it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2023-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NJ)

the original loan was sold and transferred to westlake financial with addtional fees not included in the original contract of the loan, As a result, this loan included addtional fees and paymanys miscalculated and applied different from the original contract.the original contract and full payment history is needed concerning account cause i only paid as agreed on account.
Consumer complaint received 2022-11-05
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: The Receivable Management Services LLC (IL)

On XX/XX/2022, RECEIVABLE MGMT SVCS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA RECEIVABLE MGMT SVCS LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-04-07
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. (FL)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2020-07-01
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. (AL)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}