davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-09
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. (CA)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (CA)

The company in questioXXXX XXXX XXXX XXXXhat I know nothing about and definitely do not owe them. This company reported this amount to Credit reporting agencies. Namely XXXX and XXXX. The amount that they're reporting that I owe is {$100.00}. The company name is XXXX XXXX XXXX : They have flagged my account as collections on XX/XX/year>. 
I don't know or owe this company.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no clue how they got there. When I checked my credit report as usual, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. I'm really concerned about this, and I urge that the documents I've sent be thoroughly reviewed so I can finally stop worrying about this issue.
Consumer complaint received 2024-07-09
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My XXXX  ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, Experian reports Re XXXX  card ( XXXX ) XXXX  ( XXXX ) THANK YOU!!
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

We financed a new XXXX XXXX at our home through our XXXX, XXXX XXXX XXXX. The Installer informed us that we could FOR NO ADDITIONAL COST pay out the cost of our system at the EXACT SAME PRICE we would pay if we paid in full, if we chose to pay in XXXX equal installments. WE WERE ASSURED REPEATEDLY THAT THE COST WOULD BE EXACTLY THE SAME. 
I was rushed through a credit application with Synchrony Bank, and only at the end did I realize that the payments would be processed on a credit card. I didn't have an issue with that except today I received a text message from Synchrony indicating that we owe {$13000.00}, NOT the {$13000.00} on the contract with XXXX XXXX XXXX, supported by their representation that there would be NO ADDITIONAL FEES to working with SYnchrony. 
When I called Synchrony to have the fee removed, i was basically told " tough luck '' that was in the XXXXXXXX XXXX XXXX -- I was sent those electronically, pages and pages of fine print, with no findable details about the Fees. Even when I told the rep that I would contact CFPB he just said, Fine it's your right. So not only was this deceptive on the part of the contractor -- designated by Synchrony to represent the deal- but this bank does not seem to care about their regulatory relationships. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I understand a lot about how the system works. This is grossly deceptive, and it's on Synchrony to ensure proper disclosure at the POS. They can not be allowed to point to fine print as disclosure. I know from my experience in banking that that does not work, and should not be tolerated by the regulators as an acceptable business practice. I look forward to your support for my complaint.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-06-24
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)

I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Have attempted to send a wire transfer from my US account to my joint dollar account in the XXXX XXXX - 2 times - for the purchase of an apartment in the XXXX XXXX. These, as explained below, were cancelled without explanation via an email. 
Subsequently my wife attempted to send a {$30000.00} wire directly to the seller as a good faith deposit as we are concerned that the Seller will lose patience and cancel the purchase agreement due to lack of performance by us, the Buyer. She has attempted this twice and each time it has been cancelled with explanation despite having called the Security department immediately after submitting the wire, answering all their questions and receiving assurances that all was fine. 
First time on XX/XX/year>, in person in a Chase branch in XXXX which was subsequently rejected with no explanation notice by email, no call, only an XXXX number ( with incorrect selection option given ). Called number without success. Retried wire again on Sunday XX/XX/XXXX using the online wire function, also spoke with a representative who changed my account type to provide a higher transaction limit. Answered all security questions successfully, and was assured that all would be well. Note - none of the representatives I spoke with would provide their full name or employee ID. For sake of good order, went to same Chase branch at XXXX Monday, XX/XX/XXXX, to follow up in person via a branch employee. We spoke with the security representative, successfully answered all questions, and was assured all was good. I then went to the airport to go to the XXXX XXXX in preparation for closings, and while waiting to board, again received email announcing wire cancellation with no explanation. I called the security review number and ultimately spoke with a supervisor. She reiterated that once a wire has been cancelled it has to be resubmitted by sender and there was nothing they could do other than to m My wife then attempted to send a wire directly to the Seller, a XXXX corporation, on Wednesday XX/XX/XXXX this time for XXXX. Same result - cancelled. Called representative. Told to try again. She did on XXXX, and called security rep ( " XXXX '' ) immediately. Again satisfactorily answered all his questions and was assured wire would be processed. Mid morning received the usual cancellation email. 
Issues XXXX. Despite repeated requests, we have not been given any explanation as to why wires are being cancelled- it is impossible to fix a problem if you don't know what the problem is. 
XXXX. Never received any phone calls warning of cancellation or asking for more information. 
XXXX. The planned apartment purchase is now in jeopardy die to Chase 's indifference to our situation, and lack of responsiveness and explanation. 
XXXX. I have not received a promise call from a manager in the Security Department. 
XXXX. At this point, we are desperate and urgently request your involvement
Consumer complaint received 2024-07-09
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. (TN)

XXXX, XXXX and Transunion are reporting an XXXX XXXX BUSINESS credit card account on my personal credit report. I reported this issue to all XXXX credit bureaus several times, yet no resolution.
Consumer complaint received 2024-07-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-17
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)

I recently reviewed my consumer reports and found that there are XXXX late payments listed for an account on which I was never late. Consumer reporting agencies play a critical role in ensuring that consumer information is reported with the highest level of accuracy. For the accounts mentioned in this complaint, I have attached screenshots showing that I have never missed a payment on the dates in question [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. I request that you investigate this matter and provide statements proving these payments were late. If such proof can not be provided, I insist that these payments be corrected to reflect that they were made on time as agreed, as I have never been late. Thank you. Please see the attached screenshots.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experean incorrectly lowered my credit score from XXXX in late XXXX to XXXX during XXXX of XXXX because XXXX XXXX  incorrectly reported to them that I had a delinquent overdue fee on my credit card with XXXX XXXX. But that is all incorrect! As XXXX XXXX can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with XXXX XXXX! As documented in XXXX case number XXXX of my account number XXXX it was always XXXX XXXX XXXX mistake to report incorrect information to Experian, and there was never a delinquent nor overdue status on my account. XXXX XXXX has fixed the mistake, but Experian continues to report a " late payment '' on my credit report and reduce my credit score by XXXX points when it should have never been lowered below the XXXX level that it was in early XX/XX/XXXX. So Experian should remove any history of " late payment '' and return my credit score to near 790, because there have been NO LEGITIMATE COMPLAINTS against my credit since it was XXXX in late XXXX.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NJ)

I hope this message finds you well. I am writing to express my concern regarding a balance transfer request I attempted to cancel with US Bank. Despite my repeated calls and assurances from their representatives that the balance transfer would be canceled, the transfer was processed. 

I subsequently contacted my receiving bank, XXXX XXXX, to reverse the payment. They informed me that the only solution available was to issue a check for the transferred amount. As a result of this situation, US Bank is now charging me a transaction fee, which I find unacceptable given that the issue arose from their failure to cancel the transfer as requested. 

I kindly seek your assistance in addressing this matter and ensuring that the transaction fee is waived. I believe this fee should not be my responsibility, considering the circumstances and the initial assurances provided by US Bank. 

Thank you for your time and attention to this issue. I look forward to your prompt response and resolution.
Consumer complaint received 2024-07-11
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my deep concern regarding the disputed accounts on my credit report. On multiple occasions, I have raised the issue of inaccuracies in these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> I completed a Bill Pay for my car payment. It was my first time using bill pay. I entered in XXXX XXXX XXXX XXXX XXXX into the system. When entering the payee, Capital One pre fills the address to the payee, and I enter in my account number for my car payment account. The check was sent to the address capital one filled in. I called Capital One twice because XXXX never showed proof of payment and I was concerned. I was told by a rep the payment was rejected and sent back to Capital One due to incorrect information. I was never notified or refunded after the payment was rejected. Instead Capital One resent the payment again with the same incorrect information. I called Capital One to verify the payment information used as XXXX stated they never received my payment. I then confirmed the address Capital One sent my payment to was a payment address for XXXX XXXX XXXX not XXXX. I've reached out to XXXX several times to find my funds and the check was cashed by a third party vendor and the funds can not be located and no one will get back to me to resolve. If capital one had returned my funds when the payment was rejected and notified me the first time the payment was rejected, I would not be out of my car payment. This has affected my credit as my car payment is 30 days past due and has placed me in a financial hardship as I have recently lost my job and can not afford to make a double payment. I want my funds refunded immediately due to their error and negligence for resending funds when they were alerted the information contained on the bill payment was incorrect. Please see the attached email with XXXX confirming Capital One sent my payment to the wrong bank.
Consumer complaint received 2024-07-09
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.