davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I contacted Experian over the phone to request a dispute for unauthorized or incomplete or unverified information reported to the consumer credit report. 
I disputed some accounts and a bankruptcy that been reported to my credit report. I asked Experian supervisor that if they are getting this information from XXXX ( the US court ) that information is incomplete since they dont provide the social security number complete. 
This company ( Experian ) has agents in XXXX they are no able to understand and I am not even sure if they are handling my information such as social security in the right way. 
They refused to delete some account that they are no able to verify since I asked for proof including sent letter to the creditors and they didnt respond to me. Account that need to be removed from my credit report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the Bankruptcy that they are reporting under my name with an incomplete or incorrect social security number. I disputed that Bankruptcy and they failed to investigate or remove it or send a letter explaining the reason why they didnt remove the information disputed or provide proof of were they got that information with a complete social security number.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am attempting to view my Full Credit Report and Score online through TransUnion website. First of all, its requesting money to show me my Credit Score. I can only manage a Credit Freeze only.

Secondly, I am unable to view the actual names of Companies that TransUnion claims on the report, it only gives Debt owed, etc.

Lastly, cI went through the trouble a few weeks ago to delete old, outdated addresses and phone numbers, but when I log back in, they're still there!

This is the absolute WORST credit agency around! And yet most places where I apply for vehicles, etc use them!
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

I am XXXX XXXX. 
At XXXX XXXX 's request I added my name to her account for the sole purpose of being able to lend her money when needed. I never paid any bills or made purchases of any kind from her account. If the transaction details are viewed, this information can be verified. I was just doing her a favor because she is the mother of my grand child. 
XXXX 's name was not on any of my accounts. 

XXXX went through a XXXX period when her father died and did not pay any of her bills and the account became overdrawn because of a payday loan payment that she owed as well as an auto loan payment. I went to the branch and talked to a personal banker about taking my name off XXXX 's account. The personal banker, XXXX, at branch XXXX in XXXX XXXX, MI said oh no Chase will not take your money! ON XX/XX/XXXX Chase 's collection department took {$420.00} from my account that ended in # XXXX and deposited it into XXXX 's account that ended in # XXXX. On XX/XX/XXXX the collection department debited my account again for the amount of {$680.00} and deposited that into XXXX 's # XXXX account. 

I don't feel that I am responsible for XXXX 's debts of {$1100.00}. I have many accounts at Chase Bank. My name is in good standing, plus I am a XXXX XXXX XXXX. My husband passed on XX/XX/XXXX. XXXX and I am trying to manage my finances in a responsible way. I have family and grand children that depend on me.
Consumer complaint received 2020-05-19
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NC)

While cleaning during the pandemic, I found an Official Check for {$1000.00} given to me by my Mother for XXXX in 2004. It was drawn on Wachovia which was acquired by Wells Fargo. Wells Fargo gave us a ticket number XXXX, but has never responded other than to say they can not help us. I have checked with the state of North Carolina unclaimed money and nothing is there in my name. I know the bank got this money and I feel they should have to honor this check. It is my understanding this kind of check is the same as cash.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P.S.C., Inc (MT)

In review my XXXX  report ; I found this debt was from a eviction from a private landlord, i.e. Original Creditor : XXXX XXXX XXXX that was over 7 years ago ; it went to court in Washington State and there was a judgement ; to which was never resolved due to major discrepancies with this landlord that was not following laws. 

On XX/XX/2019 the original creditor XXXX XXXX XXXX sent this uncollectable debt to PUGET SOUND COLLECTIONS. This can not be collected, the original creditor knows that and the collection agency should know that.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Sent a certified letter to XXXX on XX/XX/XXXX Disputed several inaccurate inquiries. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX *XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX *XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX They mailed me back on XX/XX/XXXX, which with mailing times to and from gave them possibly 4 business days to actually investigate my complaint. I assume 2 days mailing time to and 2 days for them to mail it back. This is insufficient time for this company to actually properly investigate my complaint. By law The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order. 

I informed Equifax that I DID NOT give permission for these inquiries under any of the above affirmations. But the company decided to ignore my concern and tell me that I was my obligation to contact each company to get it removed. In order for information to be reported it is the duty of the credit agency to substantiate any disputes. They are unable to do so. I the consumer am stating that these inquiries was not factual or permissible from myself. They need to be removed immediately as requested.
Consumer complaint received 2024-10-22
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. (VA)

I recently filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating they believe the disputes are coming from a third party, which is not true. Despite my efforts to verify my identity through a phone call, they still refused to process my disputes. 

Im frustrated, as I spent money mailing my disputes and provided personal information to verify my identity, only for them not to conduct a thorough investigation. I have attached the letter, relevant documents, my identity theft report, and the Power of Attorney. Please delete all the accounts mentioned in my letter. Thank you.
Consumer complaint received 2024-10-21
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

one inaccurate bankruptcy chapter XXXX  is reporting under my XXXX credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my equifax and XXXX credit file thank you
Consumer complaint received 2020-05-19
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX
Consumer complaint received 2019-04-16
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. (LA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2024-11-15
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. (FL)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX  XXXX  HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$200.00}, ( DEPTEDXXXX  {$3300.00}, {$1100.00}, {$2900.00}, {$3100.00}, {$3900.00}, {$3500.00}, {$7100.00}, {$5200.00}, {$2600.00}, {$5200.00}, {$550.00}, {$1600.00}, {$6600.00}, {$6500.00}, {$2600.00}, {$4000.00} ) XXXX  {$0.00}, XXXX {$7200.00}, XXXX {$0.00}, XXXX  {$520.00}, XXXX {$0.00}, XXXX {$4700.00}, XXXX XXXX XXXX {$560.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, INQUIRES XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

I am complaining about an XXXX Mastercard that my husband had. My husband passed away in XXXX XXXX. Now it is XX/XX/XXXX and XXXX Mastercard continues to send monthly statements with an interest fee that continues to increase. I have contacted them multiple times to report him deceased and to close the account and cancel the card. In XX/XX/XXXX and XX/XX/XXXX, an insurance company inadvertently charged car insurance and home insurance to his credit card, when I thought the account had been closed. I sent XXXX a payment for the charges since I drive the cars and own the house. I would like XXXX Mastercard to stop sending statements and bills, as I do not owe them anything.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

this has nothing to do with bounced fees. its all about loyalty during a rough time. Specifically I have been a customer of WF for many years without a hitch. that means. I have not bounced and have followed the rules. Even was a victim of unauthorized accounts being opened. All i want is my account ending in XXXX which was closed re opened so i can use it I asked for FREE checks for it and was denied despite COVID and despite my long term loyalty. I also would like FREE plain checks for account ending in XXXX one I have held for many years without a problem and with loyalty. please help me without a script and for once show loyalty. PLEASE I am cynical enough.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

This is my final notice before pursuing legal action concerning unresolved issues with my credit report. Despite previous communications, the accounts in question remain inaccurately reported, violating multiple federal regulations governing credit reporting.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.
Consumer complaint received 2024-10-21
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. (CA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2020-05-19
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 (MA)

Amazon/Syncrhony Bank * In XX/XX/XXXX, I purchased several items from XXXX  for less than {$300.00}. Amazon confirmed that I promptly returned these items. See Attachment 1. The charges were made on the credit card of Amazon 's agent, Synchrony Bank. 
* Amazon offered me a gift card for the returned items but I asked for a cash refund on my credit card. Amazon agreed. 
* Even though it is undisputed I returned these items, Synchrony refuses to acknowledge that I have a XXXX  balance, and continues to charge late fees for the returned goods. 
* When I first called Amazon, they told me it some times takes a few weeks for Synchrony to receive confirmation that the goods were returned. 
* When Synchrony continued to demand payment for the returned goods, I made multiple, fruitless phone calls to Amazon and Synchrony to fix this problem. Since XX/XX/XXXX, I have spent about 12 hours on hold, on the phone, sending emails, writing letters, and on the chat lines for both Amazon and Synchrony. Each company blames the other. 
* On XX/XX/XXXX, I filed a written complaint with Synchrony Bank about their fraudulent billing practices. See Attachment 2. 
* On XX/XX/XXXX, I filed a written complaint with Amazon about the fraudulent billing practices of their billing agent. See Attachment 3. I used the address on Amazon 's web site. The letter was returned saying that the very address Amazon provided is wrong. See Attachment 4. 
* On XX/XX/XXXX, I contacted Amazon via an online chat because they are not accepting phone calls. Over my objection, Amazon transferred me to an online chat with Synchrony. 
* On XX/XX/XXXX, I had an online chat with two Synchrony agents, XXXX and XXXX. When I asked for an accurate address to write Amazon to file a complaint, they gave me the same incorrect address I mention above. 
* In contacts with Synchrony before XX/XX/XXXX, I was told that the late fees and charges were for the goods I returned. In the online chat on XX/XX/XXXX, XXXX told me a different story -- that the late fees are based on the aforementioned gift card which I rejected. 
* As a result of the fraudulent billing practices, my usually good credit rating has been negatively affected. 
* Synchrony now demands over {$100.00} in late fees.