davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed accounts with trans union and asked them to confirm that the accounts theyre reporting are legitimate in the sense that the proof of debt actually exists with proof of itemized invoices or receipts for the services rendered that I am subsequently being charged for. I have yet to see any proof but the company continues to claim that the disputes are resolved but that the consumer disagrees They are in violation of the fair credit reporting act and they are also slandering my name and goodwill status within the community and causing punitive damages stemming from their false reporting habits.
Consumer complaint received 2023-07-05
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)

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/1980, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-12-18
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: Herbert P. Sears Co., Inc. (CA)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX XXXX have submitted multiple fraudulent cases against me through XXXX XXXX Court. The first case docket # XXXX XXXXXXXX XXXX for a credit card i never had and Wells Fargo XXXX XXXX i contacted them when i received a wage execution and I informed them this account doesn't belong to me and i never lived at that address. I was the victim of ID thief several times I was sent a packet and affidavit which i completed and sent a copy of the police report certified return receipt mail which i did get back and XXXX said they dont have it i told her someone signed for it and they still continued to harass me and try to garnish my wages. Fast forward this company sent me another wage garnishment for another account now with Wells Fargo that also doesn't belong to me, I called the office spoke with XXXX XXXX and explained to her i sent everything they requested from the first case forward it to this new case. I lived at the same address for XXXX and has never received not one notice from them other than the wage execution notice. Which is strange because they have my correct address. Every 6 months to a year im fighting the courts for these random judgements from different NJ counties and im not aware they even exist and when you contact these companies your victimized and treated like a criminal. All my reports are frozen and somehow the fraud manages to get through. Here i am again spending money to file motions to prove I'm the victim and the courts collect the filing fees and allow these debt collectors to file motion without proof is ridiculous. I think these debt collectors are doing name searches instead of doing due diligence. It doesn't belong to me. I am the victim.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My problem is that I currently have a hold on my account because I cashed a check that I cant provide a contact number for and when I did it wasnt accepted because it is not verifiable under the business but the real problem is that Capital One bank literally has cashed these checks for me on multiple occasions and I never not even once had a problem with it being cashed I even contacted the management team there and had some checks taken of of hold and released to my account earlier then expected and now all of a sudden I believe it is an act of retaliation because I wrote a previous complaint on them under a different email account and they totally did not properly dispute fraudulent transactions that were done on my account where I even filed multiple police reports on those transactions. Literally they are finding out that I filed a complaint and now they are holding my funds that I deposited literally they have a hold on {$920.00} dollars and they all of a sudden want to verify the check but cant seem to do so and they already cashed the check by the way literally cashed the check and deposited the funds into my account and took there funds from me being negative {$65.00} dollars they took there payments and refused to allow me to access my money. They are abusing there authority and my trust and rights are being violated in so many ways. They are completely unprofessional and they have to be reacting in retaliation because all Im asking is that because the funds were clearly deposited into my account and they clearly took the money I owed them that I am given access to my funds immediately because this is not my first check there were multiple as in lots of them from the same company before this incident. Now all of a sudden I am having trouble with them. Its either prejudice or retaliation and I cant believe that they took there money like it was good enough to pay them and actually deposited the money in my account but wont let me use my debit card that is an abuse of authority and violation of my rights nowhere in there disclosures does it say they can do that. I want this published because I am retaining an attorney after this if this issue is not fixed ASAP please thats all i am requesting and they wont have to worry about me ever again because Im so disappointed with there service
Consumer complaint received 2022-10-31
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. (PA)

XX/XX/XXXX2022 I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX MORTGAGE XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE XXXX ARE FURNISHING WITHOUT PERMISABLE PURPOSE.
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (NY)

I disputed accounts as attached with both XXXX And EXPERIAN, these accounts were inaccurate were all removed by XXXX by the same companies as inaccurate.But Experian saying the companies as accurate. 
I have being trying for XXXX yrs now with Experian. 

How can accounts be accurate in XXXX bureau and not in the others bureaus after investigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also they inaccurately listed a residential address on my report which I never live there I asked them to verify that or delete any account associated with that, still listed. 
XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX New York XXXX
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXXXXXX XXXX XXXXXXXX XXXX for Bank of America N.A., account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Consumer complaint received 2022-06-18
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. (NY)

XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
XXXX XXXX card is for {$23000.00}. XXXX XXXX ) is for more than $ XXXX have contacted XXXX XXXX by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.
Consumer complaint received 2022-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have reviewed my credit report and found that unverified bankruptcies are being reported. It is against the law to furnish any information that is not verified. The us bankruptcy court as the furnisher must be contacted to verify this information. They have sent to me in writing that they do not validate or verify any bankruptcy information to the credit reporting agencies. You are breaking the law by continuing to furnish this information.
Consumer complaint received 2022-10-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (NC)

On XX/XX/2022, First Advantage produced my background report at the request of a company who had made me an offer of employment. 

All information in the background report is correct, except for the criminal records. My maiden name, XXXX, is very common. There is criminal activity on my report attributed to someone named XXXX XXXX, who presumably has the same date of birth as I do. There is no other information in common, as I was advised the public records regarding criminal activity do not include Social Security Number. Further, her known addresses are in TN and MI -- states where I have never lived. 

This woman 's crimes have been attributed to me inaccurately in this background report, and based on very little evidence -- a very common last name and common date of birth. The end result is that my offer of employment has been rescinded. 

In the meantime, I have filed a dispute with First Advantage to have the criminal activity removed. They insist they must contact the court where this woman was convicted for further information to prove her crimes are not mine ; they have a copy of my drivers license now. The dispute will take 15-30 days to resolve. This is clearly unacceptable, as it impacts my ability to be employed.

Someone on the management team at First Advantage should be able to review this criminal 's name and addresses as they appear on my background report and confirm she and I are not the same person. There should not have to be another party involved to resolve the dispute.

This deeply flawed background report process pertaining to criminal activity has a meaningful impact on peoples ' lives and is a very serious matter. First Advantage must be pushed to amend their process so that people applying for jobs or to lease apartments are not viewed as " guilty until proven innocent '' based on loose search parameters tied to criminal activity.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-05
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: Continental Services Group, Inc. d/b/a ConServe (NY)

Back in XX/XX/XXXX, I reached out to XXXX about an account ( Conserve XXXX ) thats still reporting on my credit repot when it was suppose to be removed in XX/XX/XXXX after payment. XXXX still hasn't removed the account. I reached out to the company ( Conserve ) that reported the account and they said they sent over the information to XXXX to have the account removed and its still reporting on my account as of today. I want this account removed immediately as it is affecting my score and chance of being a homeowner.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (FL)

I originally opened a U.S. Bank Smartly Checking account in XX/XX/year> and used their promotion code " XXXX. '' I confirmed with U.S. Bank that my checking account was, in fact, eligible for this promotion. 

Here are the terms and conditions, which they are NOT choosing to follow : Open a new U.S. Bank Smartly Checking account. 
Within 90 days, enroll in online banking or the U.S. Bank XXXX XXXX. 
Within the same 90 days, make two or more direct deposits totaling the following amounts : {$2000.00} - {$4900.00} : earn {$250.00} {$5000.00} - {$7900.00} : earn {$350.00} $ 8,000+ : earn {$450.00} The bonus will be credited to your new checking account within 60 days following the end of the calendar month during which you completed all the offer requirements.

You or any owner ( s ) on your new Smartly Checking account can not have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last 12 months, or received any U.S. Bank consumer checking bonus offers within the past 12 months. 
A direct deposit is defined as an electronic deposit of your paycheck made through the Automated Clearing House ( ACH ) network or an electronic deposit of government benefits ( e.g., Social Security ) from your employer or the government. Other electronic deposits or person-to-person payments are not considered direct deposits.

The account must be open and have a positive balance to receive the bonus.

The offer may not be combined with any other checking account bonus offers.

Limit one checking bonus per eligible account. 
The offer is not available through XXXX partnerships or with XXXX Accounts. 
The offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm. 
I have completed all the requirements : I made XXXX direct deposit ACH transfers totaling over {$8000.00} before the XXXX deadline on XX/XX/year>. 
My account had a positive balance at the time the bonus was supposed to be credited. 
According to the terms, I should receive the bonus 60 days following the end of the calendar month during which I completed all the requirements. Based on this timeline, I should have received the payout by the end of XXXX, but I have not. 

U.S. Bank has refused to acknowledge their own terms and conditions, claiming I would receive the bonus sometime in XXXX. They incorrectly state that I must wait 90 days and an additional 60 days for the bonus, which is clearly not what their terms specify.
Consumer complaint received 2022-01-13
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. (LA)

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Consumer complaint received 2022-10-22
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: SYNCHRONY FINANCIAL (AZ)

I have 3 times over the phone to resolve this incorrect charge. I have NEVER had a problem before.I always pay my bills on time. They can not even tell me what was charged!
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through Experian. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as XXXX. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S. 
In the case of XXXX, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.