davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payfare International Inc. (TX)

I can not be paid my {$49.00} by XXXX due to the issues with Payfare International. I contacted support and they told me there was no possible way to stop the deposit with Payfare. They also could not provide any information letting us know the services would be down, nor would they tell us when it would be fixed.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am currently in the process of purchasing a XXXX and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.
Consumer complaint received 2024-03-19
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. (IN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

American Express has employed unethical and abusive collection practices, has breached the terms and agreement of my two credit card accounts, and has substantially hurt my financial, physical and emotional well-being.

COMPLAINTS : # 1. - American Express violated the terms and agreement of two credit cards and attempted to collect a payment from me in ADVANCE of a payment due date.

My credit cards ( two ) were both paid as agreed and on time. I never had a late payment on any card since inception of the card. They attempted to get me to make a payment before a payment was due. This incident occurred in XXXX of XXXX. 

# XXXX American Express incorrectly reported my account type to the credit bureaus. Their negligence made it appear as if my approved credit limit was {$0.00} on my American Express Gold card. I was not supplied an established max credit limit at all. I was approved for an OPEN ENDED ( unlimited ) Gold American Express charge card. I contact American Express and asked them to correct their erroneous reporting to the credit agencies. AMEX reported my credit limit as " {$0.00} '' as a revolving account to the credit agencies. The account should have been reported as an opened ended charge account. Their mistake caused my credit score to drop substantially. 

# XXXX American Express XXXX XXXX XXXX  and XXXX. I began to notice a pattern that every time I contacted AMEX, the employees were using fictious first names. The names of the employees matched the names of my personal and professional contacts. They were answering the phone using the names of my personal contacts that are deceased family members.

# 4. At least two partners of American Express appear to be committing theft and acts of fraud or other crimes. My American Express Gold Card I suspect was stolen by one partner/merchant of American Express . I contacted AMEX to report the card lost or stolen and ordered a replacement card. The card went missing while I was renting a vehicle from XXXX XXXX, located out of XXXX XXXX XXXX NV. 

Furthermore, my card was declined by XXXX XXXX XXXX and XXXX without any reason at all. This incident occurred shortly after my credit card was stolen while I was still in an active rental agreement with XXXX. At the time, I was paid current on my credit card account and was not due for a payment. I had no late payments in the past and was not above an established credit limit. This incident occurred on XX/XX/2023. This is when AMEX attempted to collect a payment from me before a payment was due. 

# XXXX - American Express has cancelled both of my credit cards without my authorization and in retaliation against my cease-and-desist order. What is most upsetting is that I have been an excellent customer of American Express and have always paid on time. They abused me as soon as I began to use the card more frequently. They employed a " pay it later '' program that they are now reneging on.
Consumer complaint received 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NC)

XXXX Report Number with Radius Global Solutions XXXX This company has improperly used my report. According to the FCRA my rights have been violated : 15USC 1681Sec 602 guarantees my right to privacy 15USC 1681 Sec 604-A states a Creditor can NOT report information without my written consent 15USC 1692-B The Acquisition of Location Information. 

Please remove from my XXXX report within 30 days.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I had received a fraud alert from XXXX XXXX. I attempted to call and clear the matter up. I was told my date of birth did not match their records. I filed a complaint through the XXXX about this issue and XXXX XXXX sent a letter to them that there was no fraud found and that they set up a new account on my behalf. They did not call me or send any written correspondence before making this claim.
Consumer complaint received 2024-05-31
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)

I tried to fixed this account so mant times why still reporting in my credit report? I'm not recieving any response from the bureaus. Please investigate this listed accounts below and remove it immedietely 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
Consumer complaint received 2024-05-31
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)

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name WAKEFIELD & ASSOCIATES I Also known as WAKEFIELD & ASSOCIATES Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 230 past due as of XXXX XXXX as well as XXXX XXXX XXXX XXXX  : Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX XXXX {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2024-05-31
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. (DE)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2024-03-01
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: LoanCare, LLC (NJ)

On XX/XX/XXXX, Loancare experienced a cyber attack, compromising personal information of over XXXX XXXX individuals. A week later, I received Dark Web Monitoring alerts from my credit card company, revealing that my name, email address, home address, and phone numbers were exposed on the dark web. Subsequently, I faced harassing messages, with individuals attempting to extort me. 

On XX/XX/XXXX, I received a letter confirming that my personal information, including my social, was compromised in the data breach, explaining its appearance on the dark web. This situation was especially alarming as I have a newborn at home, and individuals claimed to possess my personal information, including my address. 

I promptly contacted Loancare 's Data Breach response line, expressing my concerns, and they assured me of forwarding the matter to the escalation team. Despite signing up for Loancare 's Credit monitoring services XXXX XXXX XXXX, its performance was subpar. I received two more Dark Web Monitoring alerts through my credit card company, neither of which reflected in Loancare 's service. A second contact with Loancare resulted in another escalation ticket, but after a week, I sought help from the XXXX XXXX XXXX.

My complaint to the XXXX XXXX XXXX went unanswered, and Loancare added a negative remark to my credit report, adversely affecting my credit score. Subsequent attempts to address the issue through customer support, leadership team contact, and even purchasing a secondary identity theft protection plan yielded no response from Loancare.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I applied for an apartment in XXXX, MD at the end of XX/XX/XXXX, by XX/XX/XXXX I had receive that I was denied due to " EVICTION RECORD MATCH '' via a tenant screening report provided by TRANSUNION LLC. This information is completely false as I had only ever been late on rent once back in XXXX but NEVER evicted or taken through eviction proceedings. I contacted TRANSUNION for information on where this came from and how to dispute it. I was told there was nothing I can do and that they could report this simply because there had ever been record of a landlord filing a court document against me, which is protocol if you are even a two days late, despite the outcome of said case not being eviction. 
As a result I have been unable to get approved for rental housing since and have resided in motels with XXXX small children and husband who is a XXXX XXXX XXXX veteran rated XXXX and XXXX  XXXX XXXX through the XXXX Our housing options were already slim and due to their negligence has been made near impossible.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called Transunion and told them about the inquires that they put on my report that wasnt correct and would like them updated and removed but the reps either hung up on me kept saying no everything correct on your report and brushing me off yelling etc. I was told that I can reach out to you for better help.
Consumer complaint received 2024-03-25
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX an unauthorized transaction was made to XXXX XXXX ( ... XXXX ) in the amount of {$840.00} by XXXX XXXX. 

The fraud was reported on XX/XX/XXXX and the provisional balance was provided to the account. 

On XX/XX/XXXX, the fraudulent charges were again posted to the account. I noticed the charge was posted on XX/XX/XXXX. I called on XX/XX/XXXX to appeal the result of the investigation. The result of the initial investigation was not mailed to my home, but was instead hidden in a hard to find messaging center within their website. No other notification was provided to me. The representative on the call self-admitted it was hard to find and they are working on fixing the issue. 

The rep then told me the evidence they used to conclude the investigation was that my IP address matched what they had on file. There was no other evidence to report. 

The rep re-opened the investigation per my request with the additional commentary which is that : 1. The un-authorized transaction is NOT consistent with my lifetime transaction history on the account. I only use the card for Amazon and XXXX XXXX purchases. 
2. A matching IP address is not sufficient evidence to conclude an investigation. A device can be hacked or an IP address can be spoofed by a bad actor to commit fraud. 

I have not heard from Chase since the investigation was re-opened.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NV)

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX, my mortgage bounced because of improper information that was relayed by the customer service team when I escalated that they told me that they reviewed the call and that they were correct and that there was nothing that was going to be done further. In the call itself, they literally said that the money would go through for my mortgage payment given that there was a deposit however because the deposit didn't clear they were incorrect and they put a hold on it. Because of that they went ahead and refunded some fees, but they never said that that was going to be the only courtesy that I would receive for their mistake for an an entire year. Now that I'm actually having issues where my payroll is not coming through properly and there's been a few issues for the past couple of months my account has been back-and-forth to positive and negative and I had escalated this back on the XXXX and which I was told it would be XXXX8 hours before someone can review whether or not I would receive {$500.00} in fees because I never got a call back my account continuously overdrew, and it added even more to the fees and now I'm at risk of not only having my mortgage bounce like last time but now my car insurance canceling. I find it ironic that I also continuously get hung up on by their escalations team and never got a call.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (NV)

They say there is compelling evidence but all they showed me is a letter they said talking about how they had to refund me a few dollars to fix a mistake on the transaction. There is no evidence that Im being shown, Ive dealt with this for over XXXX  months. They want to send me XXXX XXXX  for the issues cause. I need a full refund
Consumer complaint received 2024-05-31
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. (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 XXXX party. They in fact did not come from a XXXX 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 2023-09-19
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.