davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NV)

I entered into a repayment plan of {$66.00} a month to settle the charged off/closed Amazon Synchrony store card I opened. Im a XXXX veteran living on 100 % XXXX   XXXX and struggled to meet the over {$200.00} payments Synchrony demanded when the balance became maxed. Synchrony is now sending me emails stating my minimum payments are {$220.00} due by XX/XX/year> even though I have payment arrangements. Unless Synchrony can provide me the original agreement for this charged off account I suspect I dont owe them anything at this point. I have been harassed by random collection calls at all hours of the day several times a day until I told them its my right under the FCRA to not be harassed. I had to get a XXXX subscription and filter all of my calls just to be able to use my phone regularly. I have had several issues like this in the past with Synchrony where their billing systems would create problems or other issues and I would close those accounts due to it. It seems that Synchrony is very predatory and likes to trample on peoples rights while selling them junk they dont need on Amazon then causing them undue strife after communicating that our financial situation was tenous bc they saw that as a weakness to exploit. I definitely feel exploited through the whole process especially since Amazon has been reported to have inflated prices on their market
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (CA)

ACCOUNT NAME : XXXX XXXX # : XXXX I SENT A LETTER XX/XX/year> STATING THIS IS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME. I ASKED FOR YOU TO DO AN INVESTIGATION AND DELETE FRAUD ACCOUNT .I HAVE YOUR COMPANY RESPONSE I WILL ATTACH IN DOCUMENTS .THE LETTER IS ASKING ME FOR INFORMATION WHICH MEANS A PROPER INVESTIGATION TO VALIDATE ACCOUNT WAS NEVER DONE THIS ACCOUNT MUST BE DELETE IMMEDIATELY UNDER US CODE 1692e FALSE OR MISLEADING REPRESTATION
Consumer complaint received 2024-05-23
Product: Credit 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: SYNCHRONY FINANCIAL (WA)

I am having an issue with my credit card company. The credit card is for XXXX XXXX and it is issued by Synchrony Bank. They have charged me with fraudulent charges that they have created. I discovered that I had lost my original credit card XXXX XXXX and reported it to them. They closed that card and issued me a new card. On XXXX XXXX, XXXX I looked online and saw that fraudulent charges had been made on the replacement card that was issued, but I never received. The new replacement card was stolen during the mailing process. I never received the card. There were XXXX charges made on the stolen card from spanning from XXXX XXXX, XXXX through XXXX XXXX, XXXX, totaling {$990.00}. There could not have been any other charges on the card after XXXX XXXX, XXXX as the card was cancelled. When they sent me a new replacement card for the stolen card they carried the total balance forward of {$990.00} and then they carried forward XXXX of the XXXX individual charges that made up the original amount of {$990.00}. They double billed me for XXXX of the XXXX fraudulent charges. From there, their accounting department has made so many mistakes that are very clearly showing on the bill statements. My bill grew from {$990.00} to {$1700.00} after the card was cancelled and a new card was issued due to their accounting mistakes. The fraud claim was approved and they are now billing me for charges that they created due to their own accounting errors, otherwise looked at by me as fraudulent charges that they, Synchrony Bank, have created on my account. I have a copy of every bill since this issue started, and they have admitted over and over again that they have made a mistake, and they tell me each time I have called that they will get it corrected. This has been going on since XXXX XXXX and they still do not have it corrected. I have documents stating that the fraud claim for the {$990.00} was approved, yet they continue to bill me {$720.00} plus interest on their own fraudulent charges that they have created with their accounting mistakes. My bill is now {$740.00}.
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: EQUIFAX, INC. (CA)

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/2024 ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXXXXXX, account ID XXXX 4. XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account ID XXXX 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 an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. 
Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. Cap One - XXXX.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX I received a letter from capital one pertaining a complaint to this body, to which they responded by stating On XX/XX/XXXX, we made a business decision to send a request to the CRAs asking them to delete the Capital One account ending in XXXX from your credit files. It may take up to 60 days for the agencies to update their records. 
We performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX, with an online application. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records XXXX XXXX XXXX XXXX XXXX XXXXXXXX We mailed billing statements to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
We located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 

To this letter they informed me this matter was resolved and I had nothing to worry about. Since XXXX they have have XXXX XXXX XXXX harass me for collection, after they stated it was deleted from all public record. I contacted XXXX XXXX XXXX and they said nothing to help and now I am here to complain about this matter non stop phone calls and demands this has to stop.
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXX, account ID XXXX 4. XXXX, account # XXXX, XXXX XXXX XXXX XXXXXXXX, account ID XXXX 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 an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (GA)

I've been a victim of identity theft. these items in my credit file are from unartharized use of my social security number and card. I did not authorize these accounts or inquiries to be taken out i my name nor do they relate to anything I did. Im unaware of any of this. All is being investigated by the FTC
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The collection agency has no authority to furnish any accounts to any consumer reporting agencies without providing any and all disclosures required by law, and are in clear violation of 12 CFR 1006.34 ( c ) and 15 USC 1681-S 2 ( 7 ) ( A ). 
The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), but yet they placed a collection on my consumer credit report. I was not given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). The collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.
Consumer complaint received 2024-09-06
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)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-05-16
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. (IL)

In accordance wit the fair credit reporting act XXXX  account # XXXX 15 u.s.c 1681 section 602 A states I have a right to privacy
Consumer complaint received 2024-05-21
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America recently sent me a letter end of 2023 stating my claim was approved in my favor but going to check for the funds they were not there. 

We came to the conclusion that My funds were stolen, my id ( was left sitting at my doorstep a week later ). Birth certificate and debit card, along with other gov items were stolen. Like my social security card. And never returned I sent Bank of America police reports and identity theft paper works to let them know this really happend. 

I think because its such a big amount they dont want to pay out. Which seems illegal. 

Ive given proof. 

This company ( BofA is affecting my life. 

This was my unemployment money to help me get on my feet and its being played with. 

Please help me fix this, I will be contacting other legal regulators as well
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (FL)

I opened a new Wells Fargo account in order to take advantage of a 0 % APR on transfers. On XX/XX/2023 I used the Wells Fargo app to make a transfer of {$1100.00} from my XXXX XXXX card to the Wells Fargo account. The app didn't make the transfer so I tried a second time. That time the transfer went through. Days later I found that my XXXX account had not been paid at all. I contacted Wells Fargo who opened a case ( # XXXX ). At that time I was told if I had done the transfer over the phone they could of corrected the issue immediately, but since I used the app the case would have to go to research and may take up to 60 days for results. 

By XX/XX/XXXX I had found out that the funds were transferred from a XXXX 's account and that XXXX was giving Wells Fargo the run around about releasing the funds back to Wells Fargo. I obtained the XXXX number XXXX and the XXXX 's account number and called XXXX 's myself. I was told that the card number ending in XXXX was not a XXXX 's account. Keep in mind I do not have nor I have I ever had a XXXX 's store card or credit card. 

By XX/XX/XXXX I spoke to a supervisor at XXXX XXXX who told me to contact XXXXXXXX XXXX All Divisions at XXXX. I received no response from the email I sent. 

XX/XX/XXXX I was connected to XXXX XXXX, an Escalations Representative in the XXXX XXXX XXXX XXXX for XXXX XXXX was sick at that time. The clinic had put me on three different prescription meds and I was not feeling well. XXXX told me that since I was sick she would send me a letter with instructions on how to call Wells Fargo Customer Service and facilitate a conference call with both Wells Fargo and XXXX. The purpose of this call was for me to give verbal confirmation to XXXX 's allowing them to release funds back to Wells Fargo. 

When I received the letter on XX/XX/XXXX it did not contain the expected instructions and contact numbers. Instead it informed me that Wells Fargo considered the case closed and that I owed them the {$1100.00} plus interest and late fees. I immediately called XXXX but this was the day before XXXX and I only got her voicemail. I left a message telling her what the problem was and to please call me. She still has not called me back. 

On XX/XX/XXXX Wells Fargo called in an attempt to collect the funds. I asked the associate to just go ahead and put their supervisor on. I spoke with XXXX who said the case looked like it was still open at that time. I thanked her but decided I had had enough of this run around. I contacted the Florida Attorney Generals office via their website. I was given the CFPB contact information in that email.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

the Capital One Credit card was lost and reported. The person that too the information was POOR in job performance. After reporting, I have NEVER RECEIVED THE ENTIRE NEW ACCOUNT NUMBER which prohibits me from being able to pay the bill. I have repeatedly contacted Capital One about this issue and I have been spoken to with great disrespect and just XXXX  people or on the XXXX number which is where XXXX XXXX you while you are attempting to resolve not receiving a full account number. the people on the call desk can not be UNDERSTOOD. either they don't listen or their accent is SO THICK YOU CAN NOT UNDERSTAND THEM. You can not go to a Capital One branch to resolve the issue. you can to call this XXXX number.. I have written to the provided address and NEVER RECEIVED XXXX RESPONSE TO ANY LETTERS.. just have had my credit SMEARED by this XXXX XXXX XXXX no person that is in management has ever called to resolve this issue .. and the impact on my credit has been devastating. THIS SHOULD BE ILLEGAL .. Capital One has charged over the top fees .. treated me with great disrespect and surly responses and is just a HORRIBLE experience. there were no late payments or other issues before this card was lost and the XXXX account number was issued. Capital One wants to FORCE ME to use a checking account I have with them to pay the bill but that is not the account I pay bills from - my bill paying account is with another bank and I can not pay the bill eletronically without a FULL ACCOUNT NUMBER. this is over the top
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (GA)

United Credit Bureau has been communicating with me about my medical debt. 

On XX/XX/XXXX, I phoned them and got them to agree to send me a written agreement- I would get a discount of 30 % off the payment- they would notify all credit agencies upon payment that this debt was paid in full and can be removed. 

I emailed them as a follow-up, but didn't hear back from them. 

On XX/XX/XXXX, UCB phoned me again and offered me a 35 % discount off the payment. They also said that it was a time-sensitive discount and that my time was running out before things escalated. I said I agreed to it and would pay, provided that they would email me a written agreement that they would notify all credit agencies upon payment that the debt was paid in full! They no longer agreed to it, and tried to push me several times into paying!
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-16
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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 XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX 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.