davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (OK)

Background information regarding a criminal charge is incorrect. I tried explaining to the consumer reporting agency 's rep how the information is wrong and the rep can or will not understand or take the time to understand me correctly. I got denied employment because of this. Every time I called I spoke to the same rep almost like he 's the only one. I told him all they had to do was rerun the check and they should get the correct information but was told the company I applied to would have to run another check on me in order for that to happen. Also, the background check shows the starting date of the check on that particular search was started a week later than all the other searches for reasons unknown.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (TX)

After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided. 

On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters. 

On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct. 

I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.
Consumer complaint received 2017-11-14
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: Bread Financial Holdings, Inc. (NC)

My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.
Consumer complaint received 2017-11-14
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: ERC (MI)

On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. 

This check is not in either of my accounts and the funds were not returned to XXXX. 

I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. 

call me at XXXX for questions
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

I have been a member of XXXX for about 4 years. In XXXX, XXXX, when XXXX XXXX cards were no longer accepted at XXXX, I received a XXXX Anywhere XXXX from Citibank. I already had XXXX XXXX cards from XXXX other banks and I did n't want a third XXXX. On my next visit to XXXX, I asked the person at the customer service desk if they accepted any XXXX. The answer was yes, so I had a membership card made to use for shopping at XXXX. I asked him what I needed to do with the Citibank Visa and I was told since I had n't activated it, I did not have to do anything. 

In XXXX, XXXX, without my knowledge or permission, Citibank charged my XXXX membership dues to an account I thought did n't exist. I receive all of my bills paperless and online so if I received any mail from Citibank, I would have assumed it was junk. I also did not know this account existed. 

About a month or two ago I started receiving phone calls about my Citibank Costco account. Some of the people left messages that were spoken very fast, somewhat garbled and hard to understand. I assumed they were scams since I did not think I had a Citibank XXXX account. 

On the advice from my lawyer, I decided to call Citibank thinking I was reporting scam phone calls. I was shocked to find out this account had somehow been activated without my knowledge, as well as fees and late charges which totaled over {$300.00} from the original {$110.00} charged in XXXX. They were very willing to remove all of these charges which were late fee and interest except for the {$110.00}, which I paid from my checking account for the XXXX dues. 

I am trying to buy a home and these charges have dropped my XXXX XXXX from XXXX to below XXXX. I have been told by the loan XXXX all I need is a letter from Citibank stating they removed these fees from my account which will positively effect my XXXX XXXX. 
Citibank refuses to do this and will only state I have a zero balance. 

I am XXXX XXXX XXXX and have always had an excellent XXXX XXXX, pay all of my bills in a timely fashion including a different Citibank account I have had. 

I thought the reason a credit card has to be activated is to insure the correct person receives the card. The charge was made ten months after the card was sent to me and had never been activated. 

I do not understand how Citibank can remove charges but still claim my account is delinquent. 

I think this is fraudulent since they have removed fees but refuse to report to the credit bureaus this was their errot.
Consumer complaint received 2024-09-17
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. (NY)

In accordance with the Fair Credit Reporting act. The accounts listed below have violated : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. it also states a consumer reporting agency can not furnish a account without written instructions. 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX Account Number:XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged : FIRST TECH FCU The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Consumer complaint received 2017-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent several disputes to transunion for the following credit inquires on my credit report that were not authorized by myself as well as dispute letters and a police report for identity theft. I never hear back from transunion in a timely manner. I have already filed a dispute with you guys on behalf of transunion and still the issue is not resolved. I am listing the inquires that I did not authorize below thank you Inquiry Source Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX The presented claim seems to deviate from compliant reporting standards or raises doubts about its factual accuracy. Please ensure that all aspects of the claim have been thoroughly validated, verified for accuracy, and aligned with regulatory reporting requirements, including adherence to the precise Metro 2 format for compliant reporting. Should these conditions not be met, please promptly remove the entry. 

Listed below are the Inquiries that are being challenged : XXXX - XX/XX/year> I kindly request that you provide me with comprehensive documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have been removed from my records.
Consumer complaint received 2024-09-17
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. (FL)

I requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance {$530.00} XXXXXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have overlooked my credit report and it has several accounts that were opened without my knowledge or consent. I am a victim of identity theft and my consumer rights are being violated by the credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof exists Pursuant to XXXX XXXX XXXX, I owe no debt, These companies are are violating my Right to Privacy Pursuant to15 USC 1681-B2 Company has no permission to report my information Per 15 USC 16814 . 18 USC 894, FCRA Section 611 ( 5 ) ( A ), FCRA 1681i. 
Finding this inaccurate information has caused me stress and difficulty acquiring my life necessities to maintain a comfortable lifestyle for my family.
Consumer complaint received 2017-12-08
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)

Equifax still continues to have the XXXX XXXX XXXX on my credit report. I have advised them that this is the same debt and loan that XXXX XXXX XXXX XXXX sells and resells over and over to create a negative report even when the original loan was back in XX/XX/XXXX -XX/XX/XXXX.This is against the law. 
Numerous complaints have been filed with CFPB : XX/XX/XXXX- XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX, XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX Equifax still has not removed XXXX XXXX XXXX from my credit report. This negative report continues to ruin my chances to refinance my home.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I tried making a purchase with my XXXX XXXX credit card tonight. The payment would not go through. I contacted my credit card company Synchrony and they said the account had been closed three days ago and I would be declined a new line of credit for at least 12 months. I received no notification of this happening. They said I should receive a letter in the next week. I have perfect payment history with this card a {$0.00} balance and my other open credit accounts and would like this account to be reopened with the same credit limit. It is two weeks before XXXX. I have not had this account even a year. I also have {$25.00} in store credit that I can not use without an open account.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )