davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

When reviewing my checking acc. statement, I saw a withdrawal from Synchrony bank for XXXX XXXX purchase for XXXX, XX/XX/24. So I called the Synchrony Bank and told them what I observed in my personal acct. They said I made the payment on their website, but I went to their website because I received a bill and it didn't indicate that the auto pay was set up. When I went to the website I wanted to make sure it was set up and there were not overdrafts or extra fees charged as I set that up at the furniture store. So, I asked for a refund and they told me they could not reimburse the funds back into my acct., but would send a check which I would receive in 8-15 days. After one month, I called and said I never received the check. They said that they would send the check and I would receive it in 8-15 days. I still have not received the funds. 
I have tried to photo the bank statement and also scanned it into my computer but the file is empty. If I could send it to an email address for proof of this statement, that would be very helpful.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

ACCOUNT NUMBER : XXXX capital one was opened and placed on my reports without my consent, I want these accounts to be removed from me XXXX and XXXX Date Last Payment : XXXX  Inaccurate XXXX - XXXX Inaccurate XXXX
Consumer complaint received 2024-04-11
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: SYNCHRONY FINANCIAL (NC)

On XXXX XXXX around XXXX. I notice a payment of {$6000.00} was drafted out of my bank account from PayPal. I tried to log into my PayPal account to see where these charge are for however I wasn't about to log into my PayPal account due to it being hacked. The next XXXX XX/XX/XXXX I called PayPal to find out what is going on with my account. My account was hacked and a PayPal Credit card was open in my name with out my consent.

According to the 15 U.S.Code 1681 law there should not be any damaging on my report. this is negative to my character
Consumer complaint received 2024-04-11
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXX XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-04-10
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. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Ive been a satisfied Capital One customer for more than 40 years, transitioning from XXXX XXXX post-acquisition. Regrettably, I can not exaggerate my disappointment in your decision to transition from an electronic bill-pay application which I believe was industry-leading from a customer perspective to one which is demonstrably worse. While there are several onerous process requirements which had not previously existed, one change is particularly egregious and conjures up visions of the business practices of XXXX XXXX Bank, a comparison which any bank ought to find embarrassing. 

For many years with the Capital One bill-pay application when I selected a creditor to whom I wanted funds transferred the latency was a single business day. No reasonable person would ask for something timelier. What this clearly illustrates is that technology and standards make doing so achievable. I strive to meet my financial obligations as close to on-time as possible. Doing otherwise is economically disadvantageous to me. With the new bill-pay application Im forced to meet my obligations seven days in advance of the vendor due-date. Its a benign change to the vendor but economically disadvantageous to me ; however, it is economically advantageous to another party, presumably Capital One, in a significant way. 

My family has approximately {$4000.00} in recurring monthly obligations to various creditors which we meet using Capital One accounts in our name and its electronic bill-pay application. With the new application, Capital One debits my account on day N but reserves the right to delay transfer of those funds until day XXXX. Some families transfer more while some transfer less than {$4000.00}. Using {$3000.00} as an average, the math says that {$3000.00} x XXXX customers of Capital One places {$1.00} XXXX dollars somewhere, but not in your customers account and not in the vendors account. Where is that money for those seven days, what is it earning, and in whos account are those earnings deposited? ( These numbers are fictitious and intended to indicate scale. ) Recall that with paper checks, my account is debited when, and only when, my creditor cashes a paper check sent to him/her. Ironically, technology imposes up to a seven-day latency during which the funds are neither in my account ( earning interest, however modest, to which I am entitled ) nor in the account of my creditor.
Consumer complaint received 2023-04-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

I received a text message today from a company telling me I have debt and to follow a suspicious link on the text. It doesn't state what the debt is for or how much. I check my credit report and they reported me to collections for XXXX. I have no idea who this company is or what the debt is in reference to. I have not received any mail, emails, voicemails from them previously and this is the first time I am hearing from them now. the audacity to put a claim of collections on my credit report having not contacted me or provided me a statement about the debt incurred or even the bare minimum needed to confirm the debt is poor practice unless of course they scam folks. Again in a previous complaint I have checked my accounts I pay all my bills on time. The only known debt are 2 credit cards, a mortgage, and my car.
Consumer complaint received 2024-04-10
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. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I am writing to file a formal complaint regarding an unresolved fraudulent transaction dispute that Wells Fargo has failed to remedy for over 60 days now. 

On XXXX XXXX XXXX I discovered three unauthorized, fraudulent XXXX transactions were made from my Wells Fargo checking account ending in XXXX paid to XXXX XXXX XXXX XXXX XXXX name of XXXX XXXX XXXX The transactions totaled {$13000.00} plus fees and occurred between XXXX XXXX XXXX 

I immediately contacted Wells Fargo to report the transactions as fraudulent, as I did not initiate or authorize them. After filing a claim and providing the requested documentation, Wells Fargo reimbursed {$4000.00} of the stolen total. 

However, the largest single transaction for {$9800.00} remains under " investigation '' with no resolution or return of my funds after over 60 days. I have made weekly calls and provided extensive proof, such as police reports and bank receipts, showing the recipient was an unknown third party. Yet Wells Fargo refuses to give a timeline or take any concrete action to reimburse this stolen {$9800.00}. All they continue to do is escalate my case to another party within the bank each time I call. 

As a loyal customer for over 25 years, I am incredibly disappointed with this lack of urgency, transparency, and reasonable resolution by Wells Fargo on a confirmed fraudulent transaction claim. {$9800.00} is a massive sum that I rightfully need to be returned to my account immediately. 

I request that Wells Fargo expedite the investigation and return my {$9800.00}.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Indie Technology DBA Found (LA)

I use my car and ATM and the ATM did not dispense any money and did not show that my card had been debited. I did not look at the receipt I did not think that it had debited my account, but when I noticed that it did I contacted My financial institution Immediately and they told me to fill out the paperwork and I did and that was XXXX days ago and they told me today that they were not going to issue me a provisional credit for my lost And I just now seeing that my furniture institution on the very same day that I disputed the transaction they announce that they credit my account, but there was no credit when I looked in there, so I guess they took the provisional credit away. I dont know what happened, but I have proof of the message.
Consumer complaint received 2024-04-10
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. (WA)

It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with XXXX, XXXX, and TRANSUNION . Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company XXXX XXXX is reporting FALSE AND INACCURATE information on my credit report. As you can see the agent said there is no late payment, yet they are reporting to both TransUnion and XXXX the account is late causing problems with my credit score. I want this deleted immediately.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently went through my consumer report attached the my social ending in XXXX. 
I noticed that there was an alleged debt reported by a 3rd party debt collector. I researched and read some laws pertaining to Consumer Reporting Agencies. In the Permissible purposes section of the FCRA, which is an exclusive list of " permissible purposes '' for which Consumer Reporting Agencies can furnish a report and are not allowed to furnish under any other circumstances. 
An example is in accordance with the writing instruction of the consumer to whom the report relates to. 

I Never gave Transunion or XXXX the written instruction or Permission to report the alleged debt by XXXX  to my consumer report. If TransunionXXXX can provide written instruction by me the consumer, please provide proof of it. If it can not be produced, that is a direct violation and the account being reported by XXXX shall be deleted. 

Furthermore, in the congressional findings section, congress requires Consumer Reporting Agencies to adopt reasonable procedures to meet the needs of commerce in a manner which is fair and equitable with regard to confidentiality and accuracy among other things. 

I'm not sure what procedure was being followed when they reported an unverifiable and unvalidated debt to my consumer report for profit between Transunion, XXXX and XXXX. 

Transunion and XXXX are behaving unfair by selling millions of consumers ' data while violating federally protected consumer rights, earning millions of dollars per year in revenue ( according to the 10k,8k and 10Q fillings ) while denying my right to have inaccurate and unverifiable information removed from my consumer report while profiting off of said inaccurate information. 

Also, this Alleged account XXXX reported me to have with them was reported as 90 days late, but in my attached Consumer report, there is no payment history in the last year with this company let alone the last 90-120 days. How can I be late to pay a company that I have no payment history with? Reference My Payment history with the Other installment accounts I have and there's a full payment history, yet XXXX claims I'm 90 days late but there's no payment history and no proof of alleged debt have not been provided to me or TransunionXXXX. This company knowingly reported false information to XXXX/XXXX and Transunion/XXXX willing accepted and reported false information which they didn't investigate properly. 

This reporting of alleged debt, has affected my ability to extend and receive credit/financial assets which directly impairs the efficiency of the banking system. 

Attached is my recent : Transunion Consumer Report. 
Cease and Desist letter I sent to debt collector ( which they have not repsonded to but updated the status of the alleged account ) and Certified Mail Receipts.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion
Consumer complaint received 2024-04-10
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 checked my credit report with Transunion and saw I have fraudulent accounts on my credit report. I did not authorize this, I don't recognize this account. This is being reported by third-party XXXX XXXX XXXX and XXXX XXXX XXXX . Please remove this from my credit report.
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-10
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)

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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)

Transunion has continued to not correct my report and remove the XXXX  as instructed by XXXX I have provided the documents many times and yet on XX/XX/24 they send me back a response reported as accurate which its not! They continue to make up reasons behind it