davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (TX)

On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped..
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

I have a Verizon VISA card from Synchrony Bank. I have signed up for the card in XXXX, XXXX. At that point I was promised rewards for a variety of purchases. I was not able to receive any of the rewards. The online application from the bank will direct me to a Verizon Website. Verizon will supposedly send info back to the Verizon Visa, but instead of crediting the money amount it will debit it. I tried to talk with customer services in both, Verizon and Synchrony bank several times during the year. But they were pointing to each other and the problem was never resolved. Today ( XX/XX/XXXX ) I made another attempt to talk with Synchrony bank, But instead of trying to resolve my problem they were aggressively pushing me to get some type of voucher and pay {$1.00} to have it delivered to me by mail. Even when I refused to submit they were still pushing and were refusing to discuss my problem unless I agree to receive the new promotional item, My rewards money is {$150.00}. This can be easily calculated from the statements.
Consumer complaint received 2023-09-22
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: United Revenue Corporation (TX)

I am demanding that the account UNITED REVENUE CORP XXXX is removed from my credit report due to FDCPA violations, HIPAA violations, and violations of the No Surprises Act. You are reporting a balance that is much higher than the balance I have with the original creditor. Any medical collection under {$500.00} is to be removed from consumer credit reports which I am sure you're aware of. I also received nothing informing me that the account I had with the original creditor was being sold. How is this not illegal and gross misconduct? I am entitled to {$1000.00} per violation. At this time, I am only requesting the removal of the aforementioned account. My email address is XXXX for verifiation purposes.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2023-09-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystems is unable to dispute an account with XXXXXXXX XXXX  I never did business with this bank or applied for it .. the account is closed and paid in full and I want this account to be disputed and have the negative status removed off my account I never lived at XXXX XXXX XXXX XXXX Texas XXXX and Im asking for this address to be removed.. 

Also XXXXm disputing two accounts with XXXX XXXX and XXXX XXXX XXXX as identity theft I send in. FTC report but Chexsystems refused to honor it.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WA)

I had a credit due on my account {$2300.00} in approximately XX/XX/2023. I requested the credit be applied to my account, sent to me electronically, or by check. I still don't have the credit or check and it is XX/XX/2023. I have spent hours on the phone requesting this check and they have promised it will be mailed and it is not mailed. This company is fraudulent and should be fined.
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc. (GA)

I have sent over XXXX dispute notices to Experian notifying them of the inaccurate information they are providing on my consumer reporting and the damages it continues to cause. They choose to be willfully noncompliant. See the attached for more detail and their failure to properly investigate and my intent to file Arbitration.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, 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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 
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 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 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 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-03
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 would like to file a complaint because a bankruptcy is showing on my consumer report. 
The United States Bankruptcy Court does not furnish, provide, or sell information to 3rd parties like credit reporting agencies. This information was obtained from XXXX XXXX who gets information from Pacer.Gov which is public access to electronic court records. XXXX XXXX is a for profit company, and sells consumers information to the consumer reporting agencies. My social security number is not a public record, and if I did not report it, and the United States Bankruptcy court did not report it, then an account was created on my behalf, without my consent, and that is identity theft. 15 US CODE 1681B Permissable purpose of consumer reports ( a ) ( 2 ) of this law states that any consumer reporting agency may furnish a consumer report under following circumstances and, no other In accordance, with the written instruction of the consumer to whom it relates to. Permissable purpose equals written instruction, without permissable purpose is identity theft.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (NY)

XX/XX/2023 I wasn't notified of any negative information on my report but I decided to call in and get the status of my report seeing as the HR department had already received my report. When I went to review the information on the background check dashboard a few items were disabled and none of the information told me anything about what my background check entailed.

So that's when I called in. Turns out they weren't following the local background check laws on reporting. 

So I filed a dispute for my background check, because under local laws in Kentucky pending cases are not reportable. I asked for updates regarding the dispute and was on hold for a total of 12 hours between the 3 days. As I am typing this It is now XXXX and I am still on hold with some customer advocacy department. The department refused to tell me if they had disclosed the background check results yet ( which they denied they did already turns out they said they did ). I couldn't figure out what part of the background check process I was in. At the end of the call before I was put on hold again for the 10th time to be transferred to a different department of which this was 4 different departments I was asking for information on why the company refused to follow Kentucky laws. The only thing I was told over the phone that it was denied and client adjudication was the reason? I don't even understand what that means? Do they mean their internal processes or the processes of the empoloyer preempt local laws? I even sent them a link and a screenshot of the state law. They refused to elaborate further insisting I be transferred back to a different department. 

I just don't understand what reporting agency isn't required to follow local laws.
Consumer complaint received 2023-09-07
Product: Credit reporting 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. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

XXXX XXXX inquiry date XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Since 2002 up until the current time I have had dispute not honored which should be reviewed as well as the mortgage the overdraft fees and all other things that I can't seem to get from them I do have two dispute that as they sent me that were overturned but there is so much more than I'm eligible for as far as class action suits against them please help me get the information I need. We know Wells Fargo doesn't play fair and they're not playing fair with me now I want any and all kind of civil action suits against Wells Fargo which I am clearly eligible for in quite a few
Consumer complaint received 2023-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) application ( Exhibit A ) to be considered for loan forgiveness under the Limited PSLF Waiver Program. 

On XX/XX/XXXX, MOHELA sent me a letter ( Exhibit C ) via mail stating that my PSLF application was missing information including 1 ) missing physical signature on the PSLF application, which is inaccurate as I physically signed all required forms, and 2 ) employer certified dates in Section 3 were wrong because the employment end date is before the employment begin date which is also inaccurate since I am a current employee at XXXX XXXX XXXX. Please see the original application I submitted for the required correct information. The employer form is accurate and was filled out correctly by XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I sent a letter to MOHELA via certified mail asking for the status of my student loan forgiveness. MOHELA did not respond to my request. I believe I have met all eligibility requirements for student loan forgiveness under the Limited Public Service Loan Forgiveness Waiver Program.
Consumer complaint received 2020-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION ()

The NAVY FEDERAL CREDIT UNION is advertising helping during this Pandemic by giving personal loans to help their members through the Pandemic crisis, however, when you apply its a regular loan application and naturally, theres only selective members that get approved. I have owned for home in the XXXX for several years but can't use it as collateral because there are no credit bureaus here with which to report it. And I was told by three banks here that they do no business with American Credit Bureaus, so what is a person to do? I have three direct deposits every month with Navy Federal, VA XXXX, Social Security Retirement and an Annuity from the Federal Government so there should be no question of my ability to repay a small loan. I think its somewhat discriminating for them to approve some people when they boast about helping Veterans when this is a untrue statement. They should say they help Veterans if you are already well off.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried several times to work with XXXX ( along with Transunion/XXXX  ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This below accounts are being reported inaccurately as a charge-off, which in fact the accounts were paid in full. The companies are violating 15 USC 1681e ( b ) if there was in fact a charged off debt as well as 15 USC 1681s2. I demand that this account be deleted from my credit report immediately to avoid any civil penalties as I am prepared to exercise my legal rights under the FCRA. I have forwarded letters to the creditor and all three credit bureaus, and they have failed to adhere to the requests or respond. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OH)

A police report was filed concerning a fraudulent charge on my Wells Fargo credit card. The police report was forwarded to Wells Fargo. It was not acknowledged by Wells Fargo ; they didn't respond or remove the charge off. I pay off the fraudulent charge. I still have a copy of the report that was filed.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, there was unauthorized activity on my card in XXXX XXXX, over an hour from my home. The charges included XXXX rides and a visit to a place called XXXX XXXX, totaling a staggering {$7000.00} for a single night. Following Chase 's instructions, I promptly filed a police report and submitted my phone records for that day, even though they claimed I received and responded to an SMS, which I can confirm I never did. 
This whole ordeal needs to be clarified because the case seemed prematurely closed without thoroughly reviewing the documentation I provided. In fact, the case was closed on two separate occasions and needed more consideration. I had to proactively inform them that I had spoken to someone in the fraud team and clarified that I was awaiting my phone company to send me my phone records via mail. Furthermore, they closed the case again when I explained that I was assisting a family member overseas and couldn't file the police report until my return to the United States. 
I've diligently followed every step they requested, offering clear evidence that I was not responsible for these transactions. Despite my efforts, my case was closed without a satisfactory resolution.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was incarcerated and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX. 

So I am complaining because I have given the double mount of time that the law requires.