davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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 contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 
XXXX XXXX XXXX.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (RI)

I have {$3000.00} in a bank called XXXX XXXX XXXX XXXXXXXX through the XXXX company Juno. Starting on XX/XX/year>, I was locked out of my account due to the bankruptcy of a vendor that XXXX uses called XXXX. I have no way to get my money out. 

Additionally, I had a transfer in flight of {$2800.00} from a XXXX XXXX XXXX on XXXX account that has not bounced back yet. 

I would like to get access to these funds in order to move them to a local credit union.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  Bankruptcy Reference # : XXXX.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions The XXXX failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

BILLING DISCREPANCY PLEASE REMOVE INNACURATE PAYMENT INFO, PAYS AS AGREED 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX  Payment Status Current account/was delinquent 90 days past due date Worst Delinquency 90 days delinquent Balance {$1400.00} Credit Limit {$1300.00} Credit Utilization XXXX  %
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2023-10-21
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)

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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 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 The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

These people denied my dispute when someone hacked me and spent XXXX dollars of my money. When disputed they tell me I verified that the card was in my position. When i got the text for the verification I clicked " 2 '' which meant it wasn't me. They denied dispute telling me i clicked " 1 ''. I don't know who or what the merchant is supposed to be or do. When I initially called to dispute I let them know that all my accounts were hacked and they do not think once that i may have been sim swapped. 

This cards XXXX fraud liability is the biggest joke ever. They do everything in their power not to give your money back that was fraudulently used. 

My request is the charge to be removed from my account ASAP or I will cease to use Barclay ever again. This is very ridicules that I have to go to this length the save myself.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have Public Records bankruptcy XXXX reporting on my Experian Credit Report.This report listed on my credit report is incorrect. I asked for validation from Experian and was told by customer service representative that the information is correct. This XXXX  XXXX bankruptcy was filed XXXX. I presented information to Experian and was told the Company that investigated bankruptcy stated it was valid. I asked what company verified it & send me proof of verification & method used. He then stated it was verified through the Bankruptcy Court which is false I contacted bankruptcy court and they stated they dont share any information with any credit bureau or any third party agencies.I shared that with Customer Service Agent then he stated it was verified through XXXX XXXX. I spoke with XXXX XXXX over the phone & I currently have an unresolved dispute with them as well. But they assured me that they didnt share any information with the 3 major credit bureaus. I shared this with agent. I requested verification once again and method used. I then asked to speak with Supervisor and agent constantly refused my request so after going back and forth I hung up.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

BILLING DISCREPANCY PLEASE REMOVE INNACURATE PAYMENT INFO, PAYS AS AGREED 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company Capital One Capital One ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX XXXX Last Updated XXXX, XXXX  Payment Status Current account/was delinquent 90 days past due date Worst Delinquency 90 days delinquent Balance {$1400.00} Credit Limit {$1300.00} Credit Utilization XXXX  %
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (CA)

I had an unauthorize transaction in my XXXX account, managing by Payfare on XX/XX/2023 for XXXX dollars. I called to support and they said that they were going to cantact me. I was waiting for more than 20 days and nobody called me. I called again and they said that because of the time that passed they weren't able to solve the problem and that I had to contact the store to fix it. I change my PIN number because they did not want to send me a new card, they said that I needed to pay for replace my old XXXX XX/XX/2023, I had another unauthorize transaction for XXXX dollars, this transaction was in IA and I'm living in a different state. I called again and XXXX times they hanged the phone.
Consumer complaint received 2023-10-21
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-15
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. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-25
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. (TX)

I am writing to follow up regarding the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} ; XXXX  XXXX Balance XXXX : {$2700.00} ; XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; CONNS XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2000.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$99.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX  XXXX XXXX Owed XXXX {$2300.00} ; XXXX XXXX  XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Opened an account on or around XX/XX/XXXX with Synchrony Care Credit XXXX Credit Card Consumer Center ( XXXX ) due to an emergency with two of my dogs. I did not have funds and was in a situation where they would both die if they did not receive care. 

The XXXX XXXX advised me that this company could help me get funds. I was not aware or did not understand that there was a promotional period and how that would impact my balance later. They originally gave me a $ XXXX balance to assist with ER fees, then reduced it by XXXX approximately 6 months later, and when I inquired, they said a review was done on the account, and they decided to reduce it. This impacted my credit rating greatly as it increased my utilization ( I was making payments on time ). 

Then, today, XX/XX/XXXX, I showed another adverse impact on my credit, and it was due to yet another change on the Synchrony account. I went in and looked at the account, as I have it set on automated payments, and it showed me negative - {$970.00} for my balance due to an interest rate charged of {$1500.00}. I called again and spoke with XXXX, and she could not provide me with any details on my account. It was like talking with the XXXX, where they are protecting information on my own account I was verified to speak on. 

This appears to be an attempt to rob the public of funds and to negatively impact their credit. I was not under the impression I would be charged a bulk interest rate on my account, which would drive it into the negative. This was not made clear, and I need my account placed back into good standing, as my credit was impacted in a grave manner. 

In addition, it appears they are charging late fees when I have it on autopay as well. I have not idea what is happening on this account and feel helpless. 

I am reporting what I believe to be unlawful acts to several other entities. I appreciate your help. Thank you.