davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in TRANSUNION, XXXX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  has violated my rights by reporting frivolous information on my credit report. I would like this account to be removed for the entirety of my credit file immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  has violated my rights by reporting fraudulent information on my credit report. I would like this account to be removed immediately. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent payment history. 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 hand written instructions.
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2022-09-08
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: SYNCHRONY FINANCIAL (TN)

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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan s late for their purpose.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (TX)

Hello, This is regarding Barclay Card US This is their contact information provided on their website. 

General Correspondence Card Services XXXX XXXX XXXX XXXX, DE XXXX To reach your dedicated customer service team, please call us toll-free at XXXX or tweet us XXXX XXXX Our accessibility coordinator is available to answer your questions and help with your accessibility needs. To reach the accessibility coordinator by phone, please call XXXX or email XXXX. 

Problem : I had made a balance transfer request for my Barclay Card XXXX XXXX Credit Card for which I provided my bank account number and my bank, which is XXXX, to Barclay from their XXXX Credit Card that they provide to me which gives a 0 % APR till XX/XX/2023. I used this offer for {$8000.00} which I paid XXXX to avail on XX/XX/XXXX and have since given them several calls about these funds never being received by my Bank at XXXX. They have strung me along for over a month now assuring me to just wait. I had never received it and called multiple times to managers which told me they escalated it and then to further wait pending a XXXX day investigation with no other information and no halt on forcing me to make minimum payments on said amount because I had a XXXX balance previous to these transactions. Their statement is they sent it, but there is no deposit at XXXX. 

Thinking it wasnt a problem and that it would just need some time, I went ahead and did another balance transfer for {$2300.00} on this same card for a fee of XXXX. All of these charges posted to the card, but none of the funds have been received! They have not been received even now. 

I spoke to an XXXX who is a manager apparently in the Nevada branch who just lied to me about helping me. She said that she would adjust my minimum payment date to account for the delay or non-receipt and I have my minimum payment due on the XXXX for which I do not believe I should have to pay because I have yet to receive a dime. 

She also provided me an email to send to contact and to attn XXXX. I sent three emails requesting assistance and nothing came back. This type of behavior is very shady. There is no reason they can not tell me where their transfer went! 

This is some fraudulent behavior. The state and government needs to find out what is going on. I had used balance transfer checks from XXXX which deposited into my XXXX account the same week. I should not have a balance of nearly {$11000.00} on my credit card for which no funds have been sent to me and be strung along this long. Its been nearly a month and still no resolution. 

I have never seen something like this. Its usually very quick to resolve issues for me, if any. Its never like this. 

Please contact me and advise what I can do to combat this kind of predatory behavior. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

I was not able to view my Experian credit report through XXXX ; the site did not give me any explanation for why it couldn't display my report ( N.B. I made sure to unfreeze my credit report before using XXXX ). I have an account at experian.com through which I was able to view my credit report directly, and I found the same bad address there. I attempted to dispute it through the process in the app at experian.com, and it didn't work. Like, literally, when I started the dispute process and told it that I wanted to dispute a bad address, nothing happened. At this point I gave up.
Consumer complaint received 2022-08-08
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. (NJ)

In accordance with the Fair Credit Reporting Act By Law Everything has to be 100 % accurate on my credit report 15 USC 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX TransUnion stated my accounts was properly investigated but how is that possible if the report date is inaccurate, the date last active is inaccurate date open is inaccurate ( see attachments ). This ground for removal. They also violated my rights under : 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-08
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. (NY)

XXXX XXXX XXXX XXXX, XXXX, XXXX and TransUnion knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received information via email on a Wells Fargo account that had a balance of {$0.00}. I have not had an open nor active Wells Fargo checking or credit card account opened for years. When I spoke to customer service they advised that a checking account was opened on XX/XX/XXXX. Once I was connected with the Fraud department they investigated the account and deemed that it was " Fraud '' and closed the account. This also allowed them to delete my online banking information. The fraud specialist advised that they were unable to tell me how this happened. When I check my XXXX account and other credit resources, there is no unusual activity. Now, on XX/XX/XXXX I received an email from Wells Fargo welcoming me to their online banking. Since the last incident I constantly keep tabs on my credit and unusual activity. There has been no unusual activity and Wells Fargo fraud specialist continue to classify this as possible Fraud. Now an investigation will be happening again. In this process the account statement that was sent on XX/XX/XXXX was sent to a previous address and forwarded to my new address. I have been in my new address for a year now, which they have on file from the previous claim. Wells Fargo is unable to identify and explain how thorough their process is and only communicated by mail on general identity theft claims.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I purchased a Vanilla {$500.00} gift card for my girlfriend 's birthday on XX/XX/22. It was purchased at a supermarket about a mile from my home. I held on to the card until XX/XX/22 the actual birthday. When she tried to use the card, it had only XXXX cents left on the available balance. 
After checking online and calling customer service it seems that while I was in possession of the card someone was able to make a purchase in another supermarket XXXX miles from my home. For the entire amount of the gift card except for about XXXX cents. 
I filed a report with Vanilla the issuer of the card and they just keep telling me that it is under review. Its been 90 days so far.
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. (TX)

1.Account Name : XXXX Account Number : XXXX Amount : XXXX Date opened : XXXX 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 2022-04-01
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. (DC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NY)

XXXX unauthorized transactions were made to my coinbase virtual debit card from XX/XX/XXXX to XX/XX/XXXX in different amounts ; These merchants were based in other countries XXXX and XXXX XXXX, totaling {$1500.00} taken out of XXXX debit card account. I reside in XXXX  XXXX these unauthorized transactions were done on my virtual debit card, my physical card is in my possession and has never been used. These charges were done without my permission they are not recurring payments and I have never purchased from these merchants. I have no idea what was purchased with my virtual debit card because my virtual debit card was hacked into this was a cyber attack, my money was stolen. All I know is I did research online into these merchants XXXX is a company in XXXX that sells XXXX and XXXX parts I dont own neither. XXXX XXXX is a XXXX XXXX firm in XXXX and XXXX I have no financial accounts outside XXXX  XXXX. I screen shotted an email sent to XXXX regarding this issue but have not received a response reply regarding this matter ; Ive been unsuccessful in contactIng other merchant XXXX because I cant contact by phone ; my phone service only capable for domestic calls within XXXX only. I have not used my virtual debit card since last year of XXXX. I have not made any authorized transactions on my virtual debit card or physical debit card for the year XXXX.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IA)

I made two payments XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. They sent notification payments were received then froze my account and made it so I could not sign into my synchrony account because they say something suspicious happened with my account. When I called to ask they said they dont know what Im talking about. They have flagged my account for complaining. Im treated horribly anytime I contact them through customer service chat. Amazon the main company now requires my id and incident report and pictures. How am I supposed to send pictures for items not received? Amazon redirects me 20 places before I get an agent and this happened since I complained.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

on XX/XX/2022, as I needed help with my studying, I found tutor in website called XXXX XXXX XXXXs and paid them {$180.00} through XXXX as per their request. it was my first time to use this kind of service, so I thought it was normal to make payment like this. 
They assigned me a tutor and later said, to help with my studying, they need to setup a special software on my laptop and it will cost {$400.00} for a deposit as they need to borrow it from another company. He said multiple times that I don't need to worry as this is totall refundable. So I transffered {$400.00} through Chase XXXX again. after transferring the money, he said he didn't get it and asked if I can send the money again and once they receive the money, they will give it back to me. I refused it. on the next day, they said we got an another problem, need to install some other software, and it costs {$200.00}. so I need to pay for it. I refused it. They were like they will give me back the money. I refused it then they ghosted me after that.
Consumer complaint received 2022-08-08
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I recievd a copy of my consumer report with the intentions to improve my credit and noticed a account that i want a little more explanation on im not saying it is reporting rite or wrong im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it give me the rights to challenge anything i am not sure is 100 % accurate. In 15USC it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accuate. I heard by law you have 30 days to investigate this dispute. 

XXXX XXXX XXXX XXXX XXXXXXXX Please investigate this account and remove if theres anything missing
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.