davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
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. (IA)

I called the credit reporting agencies and let them know that the account in the document included below are not supposed to be reporting a late payment. I never gave them written consent to report them. 

According to U.S. Code 1028A- Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$30000.00}.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports along with the false information.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Credit Corporation (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake. This account has since been closed but it is still affecting my credit.
Consumer complaint received 2023-11-15
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. (MI)

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM XXXX, XXXX, AND EXPERIAN.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. XXXX Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 

XXXX XXXX XXXX XXXX : {$30000.00}.
Consumer complaint received 2023-08-15
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. (NY)

Ive reviewed my credit report and noticed the following inaccurate items. 

The accounts below are not mine : XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2023 Account Balance : {$140.00} Account Status : Unpaid
Consumer complaint received 2023-08-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I submitted three credit disputes with Experian on XX/XX/2023 we have dated time stamped recite. Experian failed to investigate 2 of the disputes submitted as of XX/XX/2023.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

When I open with Paypal/Synchrony Bank XXXX a couple of years ago. I could see my account and the amount I was approved for which was {$1400.00}. I used {$950.00} of putting rotors and brakes on my truck. After Synchrony bank would send the pay through different dates. And if the payment did not go through the close the account like I defaulted on the loan with not questions asked. This happen several times even after I told them that I am retired and I get my retirement check on the XXXX of each month. Synchrony Bank have closed this account and open it some many times because they sent the payment in to my when they want to send it. Even after requesting the payment come out on the XXXX of the month. I was told that the payment could not be processed only on the XXXX not the XXXX and some other weird day which does not make since. For example, Synchrony Bank ran a payment on XX/XX/2024 {$30.00} which was declined. Also on XX/XX/2024 Synchrony Bank ran a payment for {$920.00} which was declined thank God. That is an example of Synchrony Bank just running the payment anytime they want too. I called to see how and why those payment were ran and after talking to XXXX people, customer service XXXX and a XXXX and neither could explain why that happen ... This company is ran by a bunch of backwoods XXXX!!!! No one there have talked to me about working this out in any way!!!! On XX/XX/XXXX Synchrony Bank can not withdrawal any payments from my account after the {$920.00} without my approval. XXXX XXXX XXXX XXXX has been notified.
Consumer complaint received 2024-03-20
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I received a {$100.00} AmEx Gift Card as a GIFT. It specifically says " FUNDS DO NOT EXPIRE '' and has an expiration date on the card of XX/XX/29. I struggled to use it at the grocery store today- with a long line of people behind me. The cashier kept saying that she had never seen the error that was popping up. -If the error said " insufficient funds '' /etc, I might have assumed that someone had " stolen '' the money from the card/etc. I called the AX number on the back of the card while at the store on speaker, I entered the card number and security code, the automated assistant said there was a problem with the card and I needed to check the funds online. I came home and did just that. -I got an " unknown error '' message - no explanation of what the problem was. I called and finally got through to a person, I told them what was happening. After several minutes on hold, the agent came back and said that the money had become " Unclaimed Property '' with the state. WHICH State?! -Wherever you bought it. I didn't buy it- it was a GIFT! I have other gift cards that I received at the same time - ( XXXX, etc ) and they all work just fine. Is this real? Who is running this scam? -Is this AmEx running a scam? -Or are states truly seizing anonymous gift card money? -That is impossible to re-claim - because it's not registered under anyone 's name?
Consumer complaint received 2019-08-12
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, I see 2 hard inquiries appear on my credit report instead of one from Amex. I believe that one of them is a duplicate inquiry. Please help me remove them from XXXX  report.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (CA)

As of XX/XX/XXXX, where funds were deposited into Wells Fargo. I have now lost over {$500.00} for expenses of wire fees, interest lost and time and aggrevation for Wells Fargo and its bankers/employees refuse to disclose where my {$16000.00} wired funds are. 
It is now XX/XX/year> and they have not responded to any of my Emails since their claim of having returned the wire without legal justification and explanation.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Stenger & Stenger, P.C (KY)

Threaten a lawsuit while the debt was going Thur bankruptcy. And filed the lawsuit right after we ran in financial problem to pay the bankruptcy lawyer. Thin we responded to the lawsuit on XX/XX/XXXX and they filed a default judgment on XX/XX/XXXX with false and purjury statements and the court denied there default judgment on XX/XX/XXXX. They have never corapearted with me and have been told I don't have a job and my son and husband are on ssi and they still continue to harass and pursue a case against me. On XX/XX/XXXX I have asked the court to dismiss the case.on top of that they falsely did a background check that they where not entitled to for the default judgment.
Consumer complaint received 2023-11-15
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)

I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXXXXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

On XX/XX/23 I attempted to pull out {$12000.00} for a medical procedure from my Citi Bank savings account. I was unable to use the ATM card provided by Citi bank due to a transaction limit. I called and discussed different options such as transfers and wire transfers to other accounts that I could utilize to gain access to the funds. Upon discussing this with multiple reps this day I determined Citi Bank was making it very difficult to gain access to the approximate {$19000.00} I had inside of my savings account. I spoke with one last representative after transferring {$10000.00} via wire transfer to my XXXX XXXX account and discussed that I could not transfer anymore or pull even {$800.00} out of the ATM and that I was highly frustrated that even though I had not reached my {$5000.00} spending limit in the past 3 days, I was still unable to pull out cash to cover the remaining balance of my procedure. He walked me through initiating the wire transfer to my external bank account for the remaining amount in my savings account because I feared at this point that I would not have access to these emergency funds in the future. I initiated that transfer on the phone with him on XXXX for {$8800.00} less the amount for the {$25.00} transfer fee, to my XXXX XXXX account ending in XXXX. I received an email stating it was pending.on XXXX I realized the wire transfer had still not recorded into my XXXX XXXX account. I went to my Citi Bank banking account and noticed I lost all access to my Citi bank account. I was unable to log in and see my balance and verify anything. I called to verify the transfer only to find out that my account was closed! It was referred for closure by Citi Bank and they were unable to disclose why. They did not want to disclose my balance at the time of closure and the reason for closure. I stated multiple times I needed access to these funds for medical purposes. I was referred multiple times to the fraud department and verified my identity a number of ways. They refused to worked with me transferring me multiple times and telling me that my funds will be mailed in the form of a check to my address in XXXX days. I feel Citi Bank did not want to release my funds from the very beginning of this entire transaction. They have {$8800.00} of my funds and will not disclose why they can not release it and why they have closed my account. I have included a photo of a transfer to the Citi bank account when originally funded from the XXXX XXXX account I was attempting to wire money back to.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

I disputed these unauthorized inquiries with BARCLAYS BANK DELAWARE ( Bank ), they stated that they, 'did their research and concluded that these inquiries were not authorized by me nor did I benefit from it '. They agreed for these inquiries to be removed from my consumer report. It has been passed 60 days and these inquiries are still sitting on my report. I am requesting that this company show me proof of them sending it to the consumer reporting agencies requesting for it to be removed. If they can not provide me proof, I am requesting a {$3000.00} check to be sent to my residence within 5 days of receipt of this complaint : XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX for violation of 15 US 1681b ( a ) ( 2 ). The consumer reporting agencies stated that this company never reached out to informed them of the requested deletion. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX BARCLAYS BANK DELAWARE ( Bank ) XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-15
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. (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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXXccount Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-15
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. (SC)

TransUnion is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the U.S. Bankruptcy Court, which is false, I have attached a letter from the US Bankruptcy Court XXXX XXXX XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). TransUnion is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher as the US BKPT SC XXXX which is false, I have attached a letter from the US Bankruptcy Court District of XXXX XXXX verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report. 

XXXX is reporting a bankruptcy on my credit report, and they have put in the data furnisher court as Federal which is false, I have attached a letter from the US Bankruptcy Court District of XXXX  XXXX  verifying and stating that they do not report records of the court to any credit bureau, Pursuant to 11 U.S.C. 107 ( a ). XXXX is falsely stating this on my credit report and have yet to remove it from my credit report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX