davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/year>, I visited XXXX XXXX XXXX for a consultation regarding XXXX treatment. During this appointment, I was presented with a laser treatment plan costing {$2200.00}. As I could not afford this amount, XXXX informed me about an interest-free payment plan through CareCredit. She instructed me to sign documents related to this plan, assuring me that I had the right to cancel after the consultation. 
Following a brief XXXX minute laser free consultation treatment, I experienced a severe breakout, which led me to decide against proceeding with the treatment. I immediately contacted XXXX and requested to cancel any arrangements. She confirmed the cancellation.However, to my shock, I later received a notice from CareCredit stating that an account had been opened in my name whcih shocked me because XXXX claimed she didnt recieve anything and that it was canceled. THIS IS COMPLETELY FRAUD, IM REQUESTING PROOF OF SERVICE AND A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-10-11
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. (OH)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open date : XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
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)

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 XXXX 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 2024-09-04
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: EQUIFAX, INC. (FL)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
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. (NV)

Upon reviewing my credit report, I identified discrepancies with the following account that are adversely affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting a procedural investigation to verify the accuracy of the reported information. 

Below are the accounts in question for your immediate review : Account Name : XXXX XXXX XXXX  Account Number : XXXX Please ensure a thorough reinvestigation of this item and provide documentation of your verification process. If the information can not be confirmed as accurate, I expect it to be promptly removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
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. (MI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo checking account first opened in XXXX in XXXX XXXXXXXX XXXX XXXXXXXX. Sole Owner of account without any authorized permission given to anyone else. Never signed up for online or mobile banking. 
Spouse, later removed XXXX XXXX XXXX, accessed account via Online Banking without Authorization or Knowlege. never receivedbank statements from bank. 
XX/XX/XXXX decided to utilize account only to learn of Fraudulent Activity and transactions which overdrafted account, and declined MY PAYMENTS to my XXXX XXXX credit card, and XXXX monthly pyt plan. 
acct opened in XXXX  opened using former address, and still active online banking profile. 
a Total of {$8000.00} was contuously transferred out of my account without knowledge of transactions, forged withdrawalslips/ALL THRU ONLINE BANKING. 
Reported to bank who insisted there were no online banking " accts '' existing. 
Still trying to recover stolen funds. 

XXXX XXXX, ss # XXXX is responsible perpeperator
Consumer complaint received 2023-02-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (MS)

Visited Ashley XXXX XX/XX/23. Purchased a power lift recliner ( XXXX ) online inside the store ( chair unavailable in store ). Recliner delivered XX/XX/23. One hour after delivery, noticed the arms of the chair wasnt secured to the seat of the recliner, leaving a huge gap between the base and back of recliner ( a dangerous safety hazard for my elderly mother ). Contacted XXXX the delivery guy, stated would get with warehouse manager, if an associate could come by. On XX/XX/23, contacted the protection plan, informed of defect and a ticket was created. On XX/XX/23, XXXX came to home, attempted to close the huge gap, stated chair assembled correctly and agreed defect in the recliner. On XX/XX/23, associates attempted to deliver and 2nd recliner, assembled chair outside of home and XXXX chair had the same defect as original. Both defected recliners were loaded onto truck # XXXX @ XXXX. An hour after the unsuccessful delivery and return of the original defected recliner, I received a call from XXXX who wanted to make another appointment for a 3rd delivery. I informed the associate the recliner ( XXXX ) has a manufacturer defect and I did not wish for another delivery of the recliner. I also informed her the store had no recliners in house that would meet my needs and I would like a full refund of the defected recliner. XXXX apologized for the issue and stated she would put in a ticket for a refund and it may take 30 days for the refund to be credited back to my account. Several hours later, I received a text to reshedule a delivery. On XX/XX/23, I received another text and a call to reschedule a delivery. I informed that associate, I would not be purchasing a recliner and was awaiting my refund, the associate apologized and stated she would note this and I should no longer recieve any text. On XX/XX/23, I received another text to reschedule a delivery. I made 2 phone calls to customer service and spoke with XXXX and XXXX and requested that the text cease and inquired about my refund. I was informed by both associates that XXXX does not do " refunds '' and I needed to reschedule a delivery. I informed both associates again that I was no longer in possession of the recliner, the recliner was defective and a huge safety risk because of the defect that could cause a severe injury to my elderly mother. Unfortunately both associates continued to give me the same script. XXXX states it has a 30 day return policy on defective purchases made online and in store. This recliner was ordered online inside the store by XXXX.Please note the recliner was XXXX, 5 year protection plan XXXX, delivery XXXX and taxes XXXX, total cost {$1300.00}
Consumer complaint received 2024-10-11
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-12
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. (TX)

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (AZ)

I would be charged in regards of not having enough funds on my account, and not using my card enough times. I would be charged like {$10.00} or more because I had not enough money on my account. I was dealing with not working enough so I was struggling with money. I had to turn to my credit card to pay for everything, and obviously at some points I couldnt even pay my credit card so I was getting charged even more on my credit card.
Consumer complaint received 2024-10-12
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. (PA)

This morning, I was alarmed to find inaccurate accounts on my credit report, and I have no clue why theyre there. I routinely check my report, and this time, these mistakes showed up unexpectedly. I refreshed my browser, thinking it might be a glitch, but nothing changed. I need the documents I provided to be thoroughly reviewed to ensure this problem doesnt resurface.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AR)

Discover card was deceptive on their terms concerning a credit card I opened with them in XXXX of 2022. They gave me a credit limit of {$2000.00} which I have been using over the last 9 months. They froze my account suddenly and requested form XXXX to be able to look at my tax returns. There is no fraud on the account and I am current on it. I contacted them and was informed that this was standard protocol now for them. The email that they send out about this also looks like a deceptive phishing email from a XXXX party. This all seems highly invasive for a small credit limit. This is a huge invasion of privacy after the fact, as they did not request this upfront before extending credit. There was no mention of it. Tax transcripts are an excessive request and had they requested them before extending me credit that I used, I would not have decided to do business with them. I simply would not have trusted them to keep that information safe as do state in there user agreement that they sell data. Also, I file my taxes jointly with my wife. Asking my wife to provide her sensitive financial information for me to keep the account is not a reasonable request. She is not financially or legally obligated to comply. They will close my account if I do not fill out the form, thereby negatively affecting my credit and finances. This is a very deceptive business practice. I would not have opened an account with them had they asked for this info before approving me. Asking for tax transcripts 9 months after you have opened an account and threatening to harm your credit, is extortion.
Consumer complaint received 2024-10-12
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. (NJ)

I was completely stunned when I saw incorrect accounts appear on my credit report this morning, and I have no idea why theyre there. Ive always checked my credit report without any issues, but now there are random mistakes. I tried refreshing my browser, hoping it was just a technical problem, but the inaccuracies stayed. Im feeling overwhelmed and need the documents Ive submitted to be reviewed carefully so I can stop worrying about this.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 Transunion : 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 2024-10-12
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. (SC)

I always make my payments on time. Im certain of that. What confuses me is why this company is showing me as late on some months. According to USC 1666b, any billing mistakes should be fixed, and my account should be marked as paid on time.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.