davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ON XX/XX/year>, ( today ) I AGAIN attempted to access my online Transunion credit report and was again denied access. I HAVE tried several times over the last few weeks to access my Transunion credit report through the official " https : //www.annualcreditreport.com '' website. 

TRANSUNION has apparently acquired INACCURATE DATA which IT USES TO VERIFY MY IDENTITY when I try to access my credit report online. 
I recognize some of it pertaining to my adult children, but NOT APPLICABLE TO ME. It also uses out of date information to verify my identification when verifying by current information. Transunion is using unreliable data from unreliable data providers to verify my identity online. It has MIXED UP MY DATA WITH MY FAMILY MEMBER 'S INFORMATION. ... ... ... ... ... ...... 

ON XX/XX/year>, I sent a REQUEST FOR MY CREDIT REPORT by XXXX. CERTIFIED MAIL to TRANSUNION. As my uploaded documentation shows, I gave Transunion my legal name, my address, my date of birth, my social security number, and included true and correct copies of my XXXX  XXXX XXXX XXXX, Social Security Card, Mortgage Statement, and Utility Bill. 
I have proven my identity. 
TRANSUNION HAS FAILED TO RESPOND TO MY CREDIT REPORT REQUEST.
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (OH)

This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. These unverified accounts affects my scores badly
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A. (NE)

The company requested personal information for a debt that I was sued for over 15 years ago. I was sent some type of certified letter from the company but received it too late. On XX/XX/2023 my wages were garnished. I had tried to contact the company but their representative hung up on me and would not give me any information. I was not given any information about the debt as the statute of limitation for them being able to garnish me should have expired.
Consumer complaint received 2024-01-16
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (SC)

Upon my return home from the XXXX Holidays ( XX/XX/XXXX ), I had received a letter dated XX/XX/XXXX, from Synchrony Bank ( SB ) stating " Change-in-Terms Notice. '' In this letter it gave me the option to reject changes ( which I did reject once I spoke with a representative at Lowe 's ( I could not reach Sychrony Bank ). SB made a threat that if I reject their Terms, that I won't be able to charge anything unless I pay off balance in full. That is when I told them to close my account right then because I don't like threats.

I still have a balance owed -- and I told Lowe 's that rep that I will continue to pay {$200.00} until the balance is paid off, and that I should not be charged the high interest rate since I asked the to close my account. The rep stated that I would continue to be charged interest even though my account is closed. My XXXX XXXX shows that I am still being interest. Is this legal or fair to be charged interest when I asked that my account be closed? I have always paid my bill on time and I never missed a payment. Also, I don't think that it is fair to charge me a fee to mail out my Statement because I don't make payments online. 

My XX/XX/XXXX Bill I owed {$1800.00} -- which I paid {$200.00} My XX/XX/XXXX Bill I owed {$1700.00} with {$43.00} interest To pay Lowe 's off, I pay more in order to pay them off early
Consumer complaint received 2020-12-21
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: DISCOVER BANK (NC)

XXXX made an unauthorized charge to my Discover Card in the amount of {$100.00}. The service was not requested and not desired. They auto billed the account without notice or authorization. They were contacted and they just want the money. Discover was contacted and the charge was disputed, but they did not care.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

I contact discovery Bank about some charges on my credit  card, and I put them in dispute, I never received any letters about my dispute, and I never did receive all the letters when the dispute was resolved. I got a bill dated XX/XX/XXXX through XX/XX/XXXX and they did a temporary credit on my account for XXXX XXXXXX/XX/XXXX through XX/XX/XXXX they did a temporary credit for {XXXX  on XX/XX/XXXX the dispute went in my favor for XXXX so when I get my bill dated XX/XX/XXXX to XX/XX/XXXX they put transactions on my bill they put XX/XX/XXXX. They did a reverse temporary credit for XXXX but that dispute was cleared on XXXX second so now on my new bill they put it like its a charge charge on my bill for XXXX. I had got a letter from them telling me they was going to repost the XXXX back on my bill so when I called them I explained them what happened so they told me they was gon na put the XXXX back in dispute. So I guess my bill like I said for XX/XX/XXXX to XX/XX/XXXX it says XX/XX/XXXX reverse temporary credit for XXXX  XX/XX/XXXX repost of dispute transaction for XXXX. Now on that bill, they put down for my charges amounts {XXXX once XXXX twice plus XXXX  which was cleared on XX/XX/XXXX and I do not see my credits on my statements for those amounts and I did not ask them to the XXXX back in dispute because it was already cleared on XX/XX/XXXX. I have a problem they are putting these transactions on my statement for me to add in to get the balance of my state statements, but I still dont see my credits, and I want my credits and these dispute should not have been all over the place and I should have received letters from them, which I never got. I should have received the letter when they get the dispute answers they dont send them, and when I put the dispute in, they never sent me a letter and said it was in dispute. They never sent me a letter saying it was a temporary credit, now I got all these charges added into my bill for the month of XX/XX/XXXX through XX/XX/XXXX XXXX XXXX another XXXX XXXXXXXX cents and whats so strange they put down XX/XX/XXXX for the {XXXX  on my XXXX bill and like I said it was cleared up in XX/XX/XXXX on my XX/XX/XXXX to XX/XX/XXXX. And when I pay my bill, I pay the full amount.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma (OH)

Beginning on XX/XX/2024, I wanted to pay my rent online with my Credit Karma debit card I have had for almost a year. I did not want to leave a large amount of over {$1000.00} just sitting in my checking account for 2 days until my property took the funds. So on XX/XX/2024, I attempted to change the information from my property management to my Credit Karma savings account instead of the checking account. Credit Karma gives you routing and account numbers for the savings account. I took the information down and continued to add that information to my property account in order to take the payments from the savings account. The first time on XX/XX/2024 the money in the amount of {$1100.00} was removed from my savings account, and then reversed on XX/XX/2024. After explaining to my rental office that it was not due to insufficient funds like they were told by the bank, but that the amount was reversed nonetheless. I again attempted to pay my rent on XX/XX/2024 for the amount of {$1100.00}, this amount was removed from my savings account and again was reversed stating " non-transaction account '' and I have to wait until XX/XX/2024 to access the funds again. This fact that the savings account can not be used to pay bills has never been stated in writing or verbally, and it does not state this when trying to use the account for payments and gives a routing and account number associated with the savings account to use. Also if they can not use the savings account for payments, then why would they still be able to pull the amounts from the savings account? This is very deceptive and it has now cost me {$170.00} in return check charges and even more money in late fees with my rental company. On top of this fact, I am 100 % XXXX in a XXXX and now am banned from EVER again paying my rent online with this rental company and now have to spend more money finding a ride, getting to an ATM, buying a money order, and THEN getting it to the rental office. I am enclosing screenshots from my bank account and the rental company.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-12-16
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: ALLY FINANCIAL INC. (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, ALLY FINANCIAL, XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-06-25
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (GA)

When applying for a Mortgage Equifax is reporting my social security number, accounts which are not mind and accounts which have been removed by XXXX and XXXX as out dated information. 
Equifax is reporting a credit score XXXX  XXXX, XXXX as a XXXX. They are reporting XXXX Serious Delinguency and derogatory public record or cllection filed. 

XXXX Number of accounts with delinguency and XXXX XXXX since delinguence is too recent XXXX XXXX XXXX XXXX XXXX as an open account and charged off XXXX XXXX XXXX XXXX ( XXXX accounts XXXX for XXXX and another for XXXX They are reporting my SSN as a different number. I have repeatly sent information in to the XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have sent information to the XXXX XXXX XXXX XXXX, Georgia XXXX. 

I have called on numerous occassions. 

I have put in a compliant with CFPB on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and This is the Final attempt XXXX. 

All items which are not debt vaidated which show a contract with my correct and birth social security number must be removed.
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (NC)

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX SB partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an XXXX during XXXXt and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-01-20
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: LEXISNEXIS (CA)

I had a credit check through XXXX XXXX, via XXXX XXXX. In that check, I received notice ( See " XXXX Notice '' - dated XX/XX/XXXX ) that a portion of the requested amount was denied due to information provided by LexisNexis. 

I requested information from Lexis Nexis through their website on XX/XX/XXXX. I spent the next month going back and forth with the company regarding document submission, which I did ( in duplicate ) tie to the XXXX different case numbers they'd randomly assigned to me. I finally received a physical notice that documents were available to me and logged on to obtain those ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ). On XX/XX/XXXX, I submitted a list of issues with the information in the XXXX reports, noting that per their site, these needed to be addressed within 30 days ( see " Discrepancy submissions '' ). 

On XX/XX/XXXX, I followed up, noting the 30 day time frame had lapsed with no communication ( see " XXXX XXXX XXXX '' ). I again followed up on XX/XX/XXXX noting I was taking action with CFPB and my attorney ( see " Follow Up XXXX '' ). 

I then received by mail a letter dated XX/XX/XXXX ( see " XXXX XXXX '' and " XXXX XXXX '' ) with a vague indication that something had been updated, though nothing specifically noted. I logged on using the link provided and pulled the updated reports ( DataPrivacyAct and XXXX Both docs attached with the password to open following the word " PASS '' - XXXX XXXX XXXX and XXXX - XXXX XXXX ) finding that nearly all of the same items I had reported earlier were still present. I replied ( see " New Discrepancy Submissions '' ). 

What is most concerning, outside of the obvious lack of proper communication and ability to address the specific concerns, is the fact that the data on their report is self contradictory in spots. My age and my birth are different throughout, which is an obvious inconsistency that should raise an alert on their end that something is obviously incorrect. Unfortunately, it takes numerous followups and references to oversight agencies and attornies for this company to take their data seriously. Their data resulted in a denial that impacted my credit score significantly.

In addition, they have mixed my data with my father 's data, which I believe is why I've received several communications from various companies that are clearly meant for my father, who lives XXXX miles from me and I have not lived with since I was XXXX. It seems to me it ties to this company 's data.
Consumer complaint received 2024-01-18
Product: Credit reporting 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the charge-off listed on my credit report under the account number referenced above. Upon review of my financial records and my Wage & Income Transcripts from the IRS, I have discovered that Affirm filed a 1099-C form with the IRS for this account in the tax year 2023 indicating that the debt was forgiven and reported as income.

Given that the creditor has officially written off the debt, as evidenced by the 1099-C form filed with the IRS, it is my understanding that the continued reporting of this account as a charge-off is inaccurate and misleading.

Please find attached a copy of my Wage & Income Transcript for the tax year [ 2023 ], which includes the 1099-C information reported by XXXX. I request that you immediately investigate this matter and remove the charge-off from my credit report to reflect the accurate status of this account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is inaccurate, incomplete, or unverifiable. I kindly ask that you complete this investigation within the 30 days allowed by law and provide me with written confirmation once the charge-off has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

I closed my checking and savings account with Wells Fargo on XX/XX/2020. I was told I would receive cashier 's checks within 3-5 business days. I only received the full amount of my savings account. However, I have yet to receive the cashier 's check of my checking account. It has been 20 days. I called Wells Fargo on two separate occasions and was told to keep waiting. It is almost the end of the month and I am in need of the money to pay rent and bills. I will try to call again to get this resolved.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 u.s.c1681 section 602 A.STATES I HAVE THE RIGTH TO PRIVACY.

15 u.s.c1681 section 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (CA)

I have previously reported that equifax is not reporting accurate information. The address on file is not mine. they responded with " IDENTIFICATION INFORMATION USED FOR BILLING AND/OR APPLICATION PURPOSES WILL APPEAR AND REMAIN ON THE CREDIT FILE ''. 

ok great then why isn't my current address that is on XXXX of my accounts on my report? my current address is no where on my reports only the address I have no access too. this is preventing my from moving forward in life and I am looking into getting a lawyer. atleast let me add my current address. I have sent them my I.D, current address, utility bill, and social security card to them. Why isn't my address correct?
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I was a XX/XX/XXXX who was working towards PSLF from XX/XX/XXXX to XX/XX/XXXX. I left that job to take a job with the XXXX, as a federal employee in XX/XX/XXXX. 

FedLoan will not count my payment in XX/XX/XXXX ( despite being employed, on an income based repayment, and making that payment ) because on my payment due date, I had ended the XX/XX/XXXXjob and had not yet started my job XX/XX/XXXX 

I then asked if I had changed my due date to later in the month, if that payment would have counted. I was told it would have. But because I technically wasn't employed during the date of payment, the payment didn't count : even though for all but a few days in XXXX, I was employed and made a payment on an income based repayment plan. 

This was never explained to me prior. I was told there was no way to retroactively fix this.