davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, when I was exercising at a local boxing studio ( XXXX XXXX ), my credit cards were stolen out of my workout locker. 
Upon exiting the class, I began receiving texts on my XXXX from XXXX XXXX and XXXX XXXX XXXX asking me if I had made purchases in the amount of {$1100.00}, {$1500.00}, and {$1500.00} at the " XXXX XXXX XXXX # XXXX. '' I immediately responded stating this was fraud, and proceeded to drive to said XXXX XXXX down the road to file a police report and meet with their " loss prevention '' team. 
It was not until a few weeks later that I realized my Macy 's credit card ( ending in XXXX ) had also been stolen with my bank credit cards ( approximately XX/XX/XXXX and the fraud at the Macy 's began on XX/XX/XXXX ). I only noticed this was the case when I went to pay my monthly statement online and noticed my card had been used at 3 different Macy 's stores in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC Macy 's, XXXX MD Macy 's XXXX and XXXX XXXX Macy 's ). 
I noticed 4 separate transactions totaling {$1500.00} where the individual purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), etc. 
I called Macy 's immediately to notify them of this fraud and to shut the cards off. I also notified the Detective assigned to my fraud case ( Detective XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX ) XXXX ( office ) ) of this additional fraud, and gave this same contact information to the Macy 's Fraud Dept for their investigation.

Over the course of the next few weeks, I continuously made contact with Macy 's to see the status of my fraud case. I was told they were " very backlogged '' and the " investigation would take up to 90 days for resolution. '' I was not worried as I knew XXXX XXXX Police had evidence of this man 's fraud, and I knew Macy 's could pull video footage of the exact transactions at XXXX different locations. 
Well, on XX/XX/XXXX, I received a letter in the mail from the Macy 's Fraud Investigation Department telling me they have " completed '' the investigation and have " determined [ I ] am responsible for the charges in question. '' The report that " the facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use '' and are therefore " re-billing '' my account. 
I have reached out to the detective assigned to my case for any additional help/advice I can get, but Macy 's has been completely unhelpful and now they too are acting fraudulent. 
Please help in any way you can. I greatly appreciate it. 
Thank you, XXXX.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-03
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 submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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 2024-05-09
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. (MS)

XXXX XXXX XXXX XXXXXXXX CLOSED XXXX XXXX XXXX XXXX  OPENED IN XXXX /closed XXXX and is in violation of the FCRA And XXXX Statue of Limitations for items to be discharged. Please remove these items ASAP.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had fraud on a XXXX XXXX credit card and i reported the fraud in the begging of the year, XXXX XXXX canceled my credit card accepted the fraud claim and i destroyed the new card that was sent to me in the mail. 

The account has had no new activity but somehow they ( XXXX XXXX ) decided to put back some of the fraudulent charges back on my credit card and so the automatic payment didnt go through because the account has been dormant for so long, i dont have access to the connected bank account that was on the automatic payment so in short the payment was rejected and considered late as soon as i found out about this i corrected it and informed XXXX XXXX and they credited back the late fees but now i have a late reported payment on my credit reports with all three agencies please remove this late payment as it was never late it was fraudulent activity and still it was never late anyways.
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is harming my consumer report by placing a collection on my profile that is not true. Me and the joint owner contacted the original creditor, and we was told it was an electric bill which is also false. I have proof documented that our last electric bill was paid in full and received a refund check from XXXX XXXX  Also we moved into another property that also uses XXXX XXXX and they didnt mention anything about owing them. This inaccurate information is harming me from making future financial decisions. I have attachments below with dates attached to prove my statement.
Consumer complaint received 2024-09-02
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. (PA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-14
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. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-14
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. (IN)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-05-14
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I DO NOT owe any debt to this company, they purchased this debt from a company with a account that was fraudulently opened during covid. under code 15 USC CODE 1681S-2 inaccurate reporting this account isnt even open it was simply purchased.
Consumer complaint received 2024-05-14
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. (CO)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-14
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am filing this grievance as I opened my account with Kohls XX/XX/XXXX which unbeknownst to me had several hiccups. Since opening the account I was unable to access the online account so I called in my payments. However since I was unable to view my billings I reached out to customer service who advised my account was crossed with my mothers. The only explanation the representative could provide was that the phone number used was attached to her rewards information yet my information SS # was keyed in. The representative was able to fix this so I now have access to my online account. However, I am still unable to link my rewards to my account. As you can see there was much confusion as to what should be a simple fix given modern technology. The purpose of this complaint is that I had my credit pulled for a home purchase and was advised of a 30 day late payment that I was impacted with from XX/XX/XXXX, which was around the time I had reached out due to the crossed profile of my account. I was of the impression all was fixed & any penalties due to the system issues were reversed yet that is not the case as Im being penalized for an issue that prohibited my ability to log into the account. As you can see from my account activity I am a loyal customer and have had no issues with my account since. The late hit has impacted me greatly with almost XXXX points being deducted from my credit scores that will take years to cycle out of. It is my hope that due to the system issues from the mixed profile that Kohls will reverse the XX/XX/XXXX 30-day payment hit from the credit bureaus. Thank you for your time and consideration.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a XXXXXXXX XXXX XXXX account on my credit report that is showing numerous lates. this account was never late, and was paid off in XXXX of 2012! This account does not appear on any other credit report. I have disputed it, but it now appears as paid with many lates.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear XXXX XXXX and consumer reporting agencies, I hope this message finds you well. 

I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account XXXX XXXX Upon reviewing the copies of my submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

Warm regards, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (WY)

Was attracted to Citi 's promotional credit card deal involving 0 % APR for balance transfers and applied, was accepted, but never received a physical card in the mail. Applied in late XX/XX/2023, and called in mid-XXXX  to check on the status. It was told to me that the card was sent to the wrong address and that a new card would be sent and provided and confirmed the correct address. Since my address is in the US and is a XXXX XXXX , I was very clear on which delivery method is used as a physical address would be needed for 3rd party sends. After that long hold, multiple transfers, the same result no card. Unable to set up an online account to make payments without a 16-digit number I now have payment due and no way to get online to pay. Another call in mid-XXXX, this one 2 hours and 10 minutes just to get assistance to log on to pay. Transferred 4 times, explaining the same situation, made an online payment to ensure not late, and still have no access to an online account and was told that I would need to call in monthly payments. Is this a way to make paying harder to receive more revenue through late fees?? Shocking the lack of assistance here with no clear solution.
Consumer complaint received 2024-05-14
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I was incarcerated  between XX/XX/XXXX until XX/XX/XXXX. During that time a female used my debit card and bank account fraudulently which included debit transactions, ATM withdrawals and checks being written and cashed without my consent. 3 checks were written for the amounts of : {$2400.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, and {$2600.00} on XX/XX/XXXX. Also the female made debit withdrawals and transactions totaling to the amount of : {$6200.00} I never gave consent for her to use my debit card or account nor is she attached on my Wells Fargo account for authorization at all. I've put in a claim for both debit card fraud and check fraud with the Wells Fargo banking company and I'm currently trying to be reimbursed for the fraudulent use but I am getting nowhere and I feel they are making it difficult for me rather than help me with this situation. I've given police report and proof of incarceration. In the beginning I was denied my claim and I called to dispute the decision which then I was told that the claims was escalated to and higher person in the department for review and that I need to send a police report and proof of incarceration  at the Wells Fargo bank to be faxed over to claims department which I did accordingly. Still no actions has been taken into consideration.