davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (MI)

Dear Sir/Madam, I am reaching out to express deep concern about a significant error that XXXXXXXX XXXX has reported on my credit report. This error pertains to a 30-day late payment from XX/XX/XXXX, which is not due to any oversight on my part, but rather a XXXXXXXX XXXX Error . Reference number pertaining to the error was provided ( # XXXX ) to XXXXXXXX XXXX however I feel an investigation was not even done. The email was sent XX/XX/XXXX in the evening while XXXX XXXX was closed, and I received a denial XX/XX/XXXX XXXX. I do not feel this was sufficient time for XXXXXXXX XXXX to honestly review my issue pertaining to the XXXX XXXX  reference number provided. I feel that I received a generic denial response to my dispute. This error is causing substantial disruption as it is preventing the approval of my necessary SBA loan. I plan to use this loan to open a primary care provider office, and this unwarranted negative mark on my credit report is causing considerable delays in this process. Despite previous attempt to correct this issue with XXXX XXXX  the problem remains unresolved. Given the urgency of the situation and the potential impact on my business plans, I am compelled to ask for your assistance. According to the guidelines provided by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), I am officially disputing this inaccurate information. I kindly request its immediate correction or removal from my credit report. I am confident that you will handle this matter with the urgency it warrants and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted Kohls Card Customer Service on XX/XX/2023 about a duplicate charge. I informed Kohls Customer Service that on XX/XX/2023, I made two payments in error on the due date, XX/XX/2023 and requested the refund to be sent to my credit card. Kohls Customer Service Representatives stated that, they dont have options to cancel the payment on their system. However, Kohls Customer Service Department suggested that I get in touch with my bank to dispute the charge.
Consumer complaint received 2023-10-12
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. (WI)

NOTICE OF OPT-OUT I have reached out to both XXXX, XXXX AND EQUIFAX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the 1099c considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

XXXX, XXXX EQUIFAX are third party data collectors and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt collectorXXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE SOICAL SECURITY ADMINISTRATION POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.
Consumer complaint received 2023-10-12
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. (AL)

Ok there are XXXX collections on my credit report that are fraud and are not mine. XXXX is XXXX services for XXXX and the other XXXX collections are for sunrise credit services for charter communications that are fraud and are not mine. I want these XXXX collections taken off all three credit beure
Consumer complaint received 2023-10-13
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)

Equifax credit reporting agency 's shows fraudulent inquires AND ACCOUNTS, please remove all fraudulent inquiries listed below XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ACCOUNTS XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have identity transaction that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-10-12
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: AMERICAN EXPRESS COMPANY (DE)

On XX/XX/2023, I ordered an air conditioner from XXXX for {$470.00}. It was marked delivered on XX/XX/2023. It was not delivered to my house, it was shipped through XXXX  and the photo they uploaded was not my house. After contacting XXXX they told me I would need to dispute this charge with my credit card company. I have been disputing this charge since, for a total of 5 months, over and over. XXXX sends them a " proof of delivery '' which has NO details attached to it whatsoever, and they then close the dispute in XXXX favor. I have provided multiple times, pictures of my house in person ( including the house number ON THE HOUSE ), along with screenshots of my house on XXXX  services like XXXX maps, and in comparison the delivery photo attached to the XXXX  tracking number showing a different house. American Express has continuously refused to look at the proof I have provided, and has continuously closed this dispute in XXXX favor citing that they have provided " supporting documents '' but only showing the same " proof of delivery '' page which shows nothing but simple text saying the item was delivered to the property address ( it wasnt ). 


I have submitted a complaint against the company already and they did NOT resolve the issue, they did nothing other than provide the same INCORRECT information they have been providing to me this entire time. If this complaint can not be resolved this time, I will have no other choice than to take this to court. I will NOT be paying for an item that was not delivered to me.
Consumer complaint received 2023-10-12
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-04-04
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 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 is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-12
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. (FL)

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 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Upon making it clear to the company Experian during my phone call with them on XX/XX/2023 at XXXX Central Time about correcting my personal information, the agents on the call rejected to do so, and I was transferred over and over several times to different people and departments. I expressed my frustration about the company giving me the run around and they said they would fix the problem. Not only did they not fix the problem, but they added more personal information that does not belong to me on my credit report. They were being difficult refusing me when I told them the FCRA stated that information on my credit report must be XXXX percent maximum accuracy 15 USC 1681e ( b ). They denied the law and refused to remove the information after several transfers. I told them that the extra name on my report was not used by me and that it was fraudulent. Regardless of this notice they still refused to fix the problem and told me to fix it myself. I want justice for mistreatment from agents that don't know the rights of consumers in this country. The following information I want deleted as they are not used by me : Please block and delete the following names, I did not authorize these variations of names : XXXX XXXX XXXX XXXX XXXX XXXX My correct name is : XXXX XXXX Please block and delete the following addresses, they are unauthorized and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
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. (NY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-12
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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-12
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. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted police reports and all of the required documents to transunion in relation to identity theft. Transunion did not investigate or remove the items correctly after they gave the companies 30 days and the companies did not respond
Consumer complaint received 2023-10-12
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: CITIBANK, N.A. (MO)

In XXXX XXXX XXXX  my card was lost or stolen and used. I reported this and my issue is that my credit was immediately ran by the credit card company and my limit was reduced. This was not resolved as I left the country. I spoke to them again this month XX/XX/2023 and they immediately ran my credit again and reduced my limit. This is beyond an abusive and unfair banking practice. The left of my card and use should not be used against me to run my credit report both times that I contacted the company about thr same charges from XXXX and a limit reduction take place. I'm still awaiting the resolution and credit for these charges as well.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XX/XX/XXXX I attempted to cash out {$1100.00} to my XXXX checking account /debit card linked via Cash App ( formerly Square XXXX XXXX Block , Inc . 

The money did not deposit to my account, and the transaction showed the money was instantly deposited to XXXX XXXXXXXX XXXX. I do not have XXXX  XXXX XXXX & immediately knew my account was compromised as the money did not go to my account, but instead showed it went to XXXX. 

I attempted to report this thru their online app support & I was locked out of my account, & could not get back in. It frightened me as I knew someone else was accessing my account they the app. 

While I couldt access the app, I also received a text from cash app stating my card had been unlinked. Further supporting my account was compromised. 

I then called my bank to report that my account & debit card information was compromised & to cancel my card to protect my account. 

I tried contacted cash app again via phone & the the only explanation was that it was a Glitch in the app & that my money was now rerouted to the proper account and had no further information to provide me. A Glitch that could send my deposit to account that did not belong to me, a glitch that locked me out of the app, and a glitch that unlinked my debit card. 

They never suggested to cancel the card, change a password, close the account or anything to protect me as the consumer. I in fact had to request to close my account. They took no steps/ precautions to protect my information. 

Financial institutions are required to take steps to protect the privacy of consumers ' finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act and Block, Inc. took no steps to protect me or any of my personal information.

What happened to me today, was in direct violation of the Gramm Act & the information-sharing practices to safeguard sensitive data.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

First Complaint # XXXX Received letter from Bank of America on XX/XX/ please see the attachment. 

Stating that they have confirm that it wasn't myself that opened up another bank account in my name with my SS #. This is unacceptable, Bank of America still has yet to explain to me how this happened under their watch. I am not satisfied with this communication from them ; my life has been turned upside down since XX/XX/XXXX because of this and I want answers.
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (FL)

I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This is the 3rd time I have disputed a serious error with XXXX XXXX # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!
Consumer complaint received 2024-04-04
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. (NY)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX