davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-05
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (MI)

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 XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-07-05
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: SYNCHRONY FINANCIAL (CA)

I had 2 transactions in XX/XX/XXXX. For both for same merchant for {$3000.00} and {$2000.00} for a life time services of trading classes. The company got sued in XXXX and they were waiving some fee. I wrote them email inquiring about how its going to work and they said your framing debt has been closed and you do not have the services anymore. I had already paid XXXX in total and was only XXXX remaining. I try to reach them back to figure out if they are going to refund all the other charges and gotten no response. I told my credit company for a dispute since now its a fraudulent charge. The credit company did not get a respond from a merchant and did not help me. It was synchrony bank issued credit card called XXXX XXXX Managers name was XXXX he refused to give me his last name and was extremely unprofessional.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

I used my credit card for a major renovation in my home in Guam and was shocked to know that Santander credit card charged me 3 % international transaction fee for over {$300.00} in fees! The fee is high ( gouging! ) and I complained that Guam should not international as it is a US territory. I used my XXXX and XXXX cards there but there are no such fees. I may not have complained if it was a small fee but 3 % is gouging consumers. I called them up to complaint and no fees were reversed. They responded that the only exception on card agreement for this card are transactions in Puerto Rico and DC. Guam not being mentioned will be considered international. The people in Guam are US citizens and there are XXXX US troops there plus families ( XXXX  and XXXX XXXX ) - they will be gouging these people for 3 % transaction fee each time. For one it is wrong to consider Guam as international transaction when I understand to be domestic under the US banking system ( US Fed Line ) and US currency ... .I also learned that there is no additional interchange fee from Visa or Mastercard for merchant transactions in Guam why charge the consumer extra fee? Second, 3 % is exorbitant. I think this is not a fair practice to tens of thousands US Troops assigned in the island and the US citizens that live there. I promptly closed my account with Santander but I wanted to bring this to your attention so they do not gouge others.
Consumer complaint received 2019-08-20
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. (FL)

None of these Hard Inquiries were done by me, why are they on my credit report:|XXXX| |HARD INQUIRES:|XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX  XX/XX/XXXX||EQUIFAX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXX

XXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|
Consumer complaint received 2022-07-05
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX  Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX  XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX Account XXXX XXXX Closed XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX
Consumer complaint received 2024-09-07
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

A fraudulent charge of {$490.00} was posted on XXXX XXXX, 2024 for a XXXX purchase to a sports game in XXXX XXXX submitted via XXXX and charged to my Chase credit card. I immediately disputed the transaction with Chase, my credit card company and XXXX. On XXXX XXXX, 2024 I received a letter that I received the benefit of the transaction which is absolutely not true. I do not live in XXXX XXXX, I live in XXXX. I had no reason to purchase the ticket and if they did a proper investigation they would notice I had no travel charges to XXXX XXXX to attend the sports game. They closed the case and I am left to pay {$490.00} for a game purchase I did not authorize nor attend. 

( Just FYI - I have changed addresses since this dispute and am updating my address with my Chase credit card company today. )
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (IL)

previous compliant XXXX Where is the method of verification with my original signature on it to support these accounts. This is fraud if you can not supply then these must be deleted asap.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

I have 2 Sams Card/Synchrony Accounts and I have a letter stating that on XX/XX/XXXX they tried to contact me wanting me to register for electronic statements and I refused on XX/XX/XXXX I get email from both accounts saying its overdue I am a XXXX  and old fashioned and like my Statements mailed to me both accounts were past due as of XX/XX/XXXX I have never been late in fact always early one account ends in # XXXX and # XXXX Issuer is Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX I paid bill over phone as soon as I got email also I tried to pay 2 times in XXXX XXXX  XXXX  XXXX Ar XXXX and was told they could not process payments there I was upset and when I tried to go online it would not take payment I feel I am being victimized because they charge late fees I am on a very limited budget. I paid and {$72.00} XXXX  and {$71.00} on account the operator said it was not his department or power to erase late fee This is about the XXXX credit card company that pulled same stunt Another Synchrony Bank Care credit card XXXX XXXX XXXX XXXX Fl XXXX I have not used for long time and I used it and got bill sent to old address and it was forwarded in person the day it was due account # ends in XXXX XXXX XXXX when I made payment they updated address it was never done but all my accounts at Synchrony changed? again late fee I need help Thank you XXXX
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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
Consumer complaint received 2022-07-05
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: EQUIFAX, 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. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I was shocked to go into my XXXX credit card account and see that I have " XXXX '' open to buy. They took my account from {$900.00} credit line to {$0.00} without notice or explanation. I have a credit score of XXXX and have NEVER had a late payment. I reached out to customer service via email and they simply stated that they needed my permission to review my credit report to reinstate the credit line. Well, they certainly never contacted me to see if they could review my credit report to lower the credit line. 

By law they can review accounts periodically to assess the account and adjust the credit line accordingly ; however, they could not have followed the regulation in the matter of account assessment to have acted as they did. 

By lowering the account credit line to " XXXX  '' they had a negative impact on my overall XXXX XXXX. I do not need the account, and {$900.00} is paltry in comparison to my major credit card lines of credit. It is the fact that they arbitrarily decided to impact my credit scorXXXX, without consideration of the regulations that are in place to assess accounts. They do not need my permission to review my credit score to evaluate an open account on their books. They have a " permissible purpose '' to do an account periodic review. 

I had them close the account so that it would report as " Closed by consumer '' in order to save my credit history and score from being further damaged by this abhorrant action. If I did not have as high a credit score, had it been perhaps a XXXX instead of over XXXX, this could have impacted much worse and any loans sought would have resulted in higher interest, or even rejection of a loan. This type of behavior has to be addressed within the regulations on the books. 

Again, had they did a legal review of accounts, it would not have resulted in a reduction in my credit line, damaging my score and causing me to close the account. Ridiculous that they do not follow the regulations and guidelines for 'permissible purpose ' and periodic account review.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX Account number : XXXX Amount : {$30000.00} XXXX XXXX Account number : XXXX Amount : {$250.00} XXXX XXXX  Account number : XXXX Amount : {$98.00} XXXX XXXX Account number : XXXX Amount : {$21.00} XXXX XXXX Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX XXXX Account number : XXXX Amount XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have attached all the letters I sent to the company, also the first one is for you. in the letters I attached you can see the date I sent out a complaint to the company and also the amounts and everything you ask above. Thank you for your help in advance
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to Experian and XXXX Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to Experian and XXXX ! They are violating my rights! 

XXXX Account # XXXX Reporting to XXXX XXXXnd Experian Only! Violating my rights! 

XXXX Account # XXXX Reporting to XXXX  Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to XXXX  Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to XXXX and XXXX Only! Violating my rights! 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to Experian and XXXX XXXX They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to Experian and XXXX XXXX They are violating 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

CAPIO PARTNERS LLC XXXX at # XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.
Consumer complaint received 2022-07-05
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. (NC)

In accordance with the Fair Credit Reporting Act, the companies listed have violated my rights. 

XXXX XXXX Account # XXXX Reporting to XXXX and XXXX Only! They are violating my rights! 

XXXX XXXX Account # XXXX Reporting inaccurate information to all 3 credit bureaus. Reporting different amounts and dates! They are violating my rights! 

XXXX XXXX XXXX XXXX  Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

XXXX Account # XXXX Reporting to TransUnion and XXXX Only! Violating my rights! 

XXXX Account # XXXX Reporting to TransUnion Only! Violating my rights! 

XXXX Account # XXXX Reporting to all 3 credit bureaus! Violating my rights! 

XXXX Account # XXXX XXXX to TransUnion Only! Violating my rights! 

XXXX XXXX Account # XXXX Reporting to XXXX and TransUnion Only! Violating my rights! 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX OnlyThey are in violation of my rights! 

Untitled {, Collection/Chargeoff, Consumer disputes this account information Medical Subject has not satisfied debt. } Account # XXXX Company is untitled and does not have a name! Reporting to XXXX XXXX are in violation of my rights! 

XXXX XXXX XXXX Account # XXXX Reporting inaccurate information to XXXX and XXXX XXXX They are violating 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 : States a consumer reporting agency can not furnish an account without my written instructions.