davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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. (PA)

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN YHE pdf doc
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to file a complaint regarding an account TransUnion is reporting. I have requested information and validation multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/XXXX. The error is XXXX XXXX ( XXXX ). In my letter disputing this error, I told TransUnion that I challenge the accuracy and reporting of this item. TransUnion is reporting that XXXX XXXX ( XXXX ) Date of Last Activity is XX/XX/XXXX, this does not match any payment date or account change on the reported account. They are well beyond the 30 days response time to validate the accuracy of this information. Then on XX/XX/XXXX I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps " This is a stall tactic and this is almost two months past the date my letter was mailed and received by TransUnion. TransUnion can not validate this item but is stalling to remove it as they should have done already per the Fair Credit Reporting Act. As I stated I would in my initial letter to TransUnion, I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this account from my credit report. I have attached as evidence, my initial letter to TransUnion, the certified mailing receipt, and my CFPB complaint where TransUnion tried to stall saying Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (WI)

I have had an account with Bluebird American Express for many years ( atleast 5 plus ). I originally opened this account when I lived in XXXX  and my name was XXXX XXXX I have married and moved to XXXX  and my married name is XXXX XXXX. I updated my information with bluebird last year. I never receive new card so i just continued to use my original card. I woke up today XX/XX/20 to an email that says my account has been locked or permanently suspended. I called customer service and they said that I have to write a letter to a PO Box address to customer care to find out why my account was closed. I had no notification prior today and I have an available balance of over {$3500.00} in my account that I am no longer able to access. I feel this is an unethical practice for me to not have access to my personal money that I have had deposited into this account via direct deposit. Customer service reps say that they are unable to tell me the reason for the account closure. They have no other means to contact other than a customer service number that routes to another country with a strong language barrier and agents reading from a script and will not answer questions, their only advice is write a letter to bluebird customer service. A letter to get my funds back from an account that was locked for no valid reasons, an Acct I have had for many years and an account that I have 2 reoccurring direct deposits routes to. I have mailed the letter with much documentation to support their is no reason for such actions on their part. I also sent in documentation of proof of my name changing when I got married. They received a copy of my marriage license, my previous social security card with my maiden name, my current social security card with my married name, my drivers license, my tax return for the last 3 years.
Consumer complaint received 2022-06-28
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. (LA)

I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

i applied for a Best Buy credit card to get 12 months free financing and was denied for the card but offered one that charges an annual fee of {$59.00}. i refused and paid in cash for the purchase. i received a denial letter in the mail with the reason for the adverse action as " Insufficient Credit Experience ''. This can not be correct. i pulled my XXXX report and i have 24 years and 6 months of credit history, not to mention that i have had at least two prior Best Buy credit cards just to get the free financing that have since expired because i don't use them. i have never been late making a bill payment and my credit is excellent and my income is good. I'm sure i was targeted because of my income and credit history for a high fee card. This is unacceptable and totally against any consumer compliance regulation - Fair Lending - Reg. B. i tried contacting CitiBank ( the number on the adverse action letter ) only to get a run around. it's totally automated and there is no option to ask about the reason for denial other than to get a copy of my credit report, which i did. This confirms the length of my credit history.
Consumer complaint received 2023-03-07
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Consumer complaint received 2021-03-20
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. (GA)

Sent a dispute to Equifax on XX/XX/XXXX and again one XX/XX/XXXX - no response. I filled a complaint # XXXX in XXXX but was rejected. I sent a notarized Affidavit of Fact on XX/XX/XXXX. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card ( my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX the Federally Protected Consumer did not give permission orally, in written, or any other way to list these items on my credit report or credit file. Dispute letters, CFPB Letters, and Affidavit of Fact along with Exhibits will be included in the files that was sent previously with no response from XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include
emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the fair credit reporting act 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 and account without my written instructions.
Consumer complaint received 2021-10-27
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 have a BK reporting on my credit report that does not belong to me, I am a victim of ID theft and have sent several letters to Transunion regarding this along with my police report and they refuse to remove it.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

( JUST SENT DISPUTES IN THE DISPUTE LAST WEEK, A GOT AN EMAIL FROM EXPERIAN. ) ( IN THE EMAIL IT SAID THAT I REQUESTED INFORMATION ON MY CONSUMER REPORT BE BLOCKED BY BECAUSE OF IDENTITY THEFT. ) ( I DID NOT ASK THAT MY INFORMATION BE BLOCKED NOR AM I WANTING TO REPORT IDENTITY THEFT. ) ( I REQUESTED IN THE DISPUTE LETTER THAT THE INACCURATE ACCOUNTS BE DELTED FROM MY CONSUMER REPORT BECAUSE THEY ARE ALL INACCURATEAND NOT TRUE. ) ( EXPERIAN IS JUST STALLING FOR TIME. ) ( I SENT IN A VALID DISPUTE WITH MY ID, SS CARD AND PROOF OF ADDRESS. ) ( AGAIN, I AM SENDING THIS DISPUTE FOR THEM TO READ CAREFULLY AND DISPUTE THE INACCURATE ACCOUNTS I HAVE IN THIS COMPLAINT SO THEY CAN BE DELETED BECAUSE THEY ARE INACCURATE AND ARE A VIOLATION OF THE FCRA. ) ( THATS ALL AND NOTHING ELSE. DIPUTE AND DELETE THE ACCOUNTS I HAVE IN THIS COMPLAINT. ) ( IF YOU DO NOT, I WILL TAKE LEGAL ACTION AGAIST YOUR COMPANY IMMEDIATELLY, )
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-12-07
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 — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (IA)

On XX/XX/2021 I received an alert about a hard inquiry on my credit from Pentagon FCU ( Federal Credit Union ). This was not authorized by me or anyone in my family. Nor did I ever speak to anyone at this bank about a loan. I have contacted the bank to no avail and I've submitted a complaint to XXXX with no results. This is fraud and it needs removed.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

Venmo suspended my account in early XXXX saying I violated their acceptable use policy but they won't provide me with how I did that. They are asking me to share with them a copy of my driver 's license which I am refusing to do because I see them having that along with my banking information as a recipe for disaster. Especially since they are not disclosing why my account was suspended to begin with.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

Hello, I am trying to close my XXXX XXXX Credit card through TD Retail Card Services. 

I did not request this card nor was I informed that my financing option was through a new credit card. One I canceled my purchase from XXXX, I have been unable to reach TD to cancel my card. I can not cancel my account online or via email and have spent over 2 hours on hold on numerous occassions to try and close this account. 

All I want is to close an account I did not want in the first place. 

Thanks, XXXX
Consumer complaint received 2022-06-28
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX and 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 2022-06-28
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. (FL)

I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please provide proof that the detail in our last complaint was fixed. We've called multiple times today and we keep getting disconnected. Then our previous complaint is answered with " this is fixed ''. We in no way believe this statement as when we tried to pull a new report, it asked for my wife 's maiden name and not current name.
Consumer complaint received 2020-08-18
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 have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

A credit card company ( Synchrony Bank through XXXX XXXX XXXX XXXX has reversed every payment I made on my credit card and portrayed my account as over limit use by double the amount I was approved for. The credit card company has chosen to keep the funds ( although they rejected/reversed the payments on my statements ). Not only have they not refunded me for the transactions they rejected, but they have sent me to collections within 5 days of all of this activity. All in all, they have withheld the the initial XXXX XXXX dollars I paid, and have sent me to collection for XXXX XXXX dollars AND have reported negatively on my credit report.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: CAINE & WEINER COMPANY, INC. (AZ)

items on my credit report were removed then added back on. 
Also debtor can not tell me what the debt is from.
Consumer complaint received 2022-06-28
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: EQUIFAX, INC. (MO)

Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.