davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies XXXX, XXXX, and TransUnion and XXXX. After the investigation into the disputed information, XXXX, TransUnion and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. TransUnion needs to investigate this credit reporting error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Killings Need to Be Tracked Obsessed with attacking my African American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXX XXXX XXXX then an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX XXXX XXXX XXXX - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.
Consumer complaint received 2018-11-20
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. (TX)

These accounts below have the wrong balance. 

Open credit card accounts View all accounts XXXX XXXX Reported XX/XX/2018 278 % Balance : {$550.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2018 123 % Balance : {$240.00} / {$200.00} XXXX XXXX Reported XX/XX/2018 122 % Balance : {$240.00} / {$200.00} XXXX  XXXX XXXX Reported XX/XX/2018 78 % Balance : {$230.00} / {$300.00} XXXX XXXX Reported XX/XX/2018 55 % Balance : {$550.00} / {$1000.00}
Consumer complaint received 2023-09-29
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)

I checked my credit reports with XXXX, Trasunion and XXXX and notice multiple XXXX accounts, inquiries, and address on my credit file. I never applied for any XXXX  accounts and I Also never lived at those addresses. I attached a copy of my license, social security card and bank statement for proof of identity and address verification
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Someone has an account using my SSN but NOT my name or DOB I have been on the phone with Capital One for over 2 hours now getting thrown around to different departments and trying to figure out what is going on. 

For context, I have never had an account with Capital One before. 

* Sun XX/XX/XXXX - applied for Capital One Venture X * Asked to provide docs ( picture of SSN card and drivers license ) * Approved Monday XX/XX/XXXX * Got online access Friday XX/XX/XXXX * Want to move my Checking and Savings to Capital One so I went to apply through the online portal * At the end of the app it basically said " we need more info, call this number '' * I called the number and was told that there is a credit card account opened since 2021 using my SSN but NOT my DOB or Name * I verified that this account IS NOT on any of my credit reports * The fraud specialist at Capital One still told me to call XXXX XXXX XXXX. I did, and lo and behold they don't see it either so there is nothing they can do * Now I'm back on the phone with Capital One trying to get them to close the other account that is using my SSN How to get this resolved? I'm at a loss getting thrown around from person to person and nobody actually helping me out.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX XXXX XXXX XXXX XXXX and Chase bank ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Subject : Request for Waiver of Interest Charges Dear Sir/Madam, I hope this letter finds you well. I am writing to formally express my dissatisfaction regarding the recent interest charge of {$2300.00} applied to my XXXX XXXX XXXX XXXX XXXX Card account. Despite my consistent efforts to manage my account responsibly, I was surprised to see this substantial fee on my recent statement. 

I have reviewed the transaction details and the associated terms of my account. However, the explanation provided by your customer service representative was not clear, and I am unable to understand the basis for this high interest charge. As a loyal customer who values the services provided by XXXX XXXX XXXX I am deeply concerned about this unexpected financial burden. 

I would like to inform you that I have paid all the amounts I owe to the card, minus the {$2300.00} interest charge. Given the lack of clarity and my commitment to maintaining a good credit standing, I kindly request that you review my account and consider waiving this interest charge. I believe this adjustment would be a fair resolution and would greatly alleviate the stress caused by this situation. 

I appreciate your attention to this matter and look forward to a prompt and favorable resolution. Please feel free to contact me at XXXX or XXXX if you require any further information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023, I purchased furniture from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - items purchased included a bedroom set ( King Size bedframe, 2 nightstands, storage bench, dresser, warranty on these items, delivery fee for these items ) and a living room sofa set. Less than 2 weeks into ownership of the bedroom set, my wife and I woke up at 3 in the morning because our bedroom crumbled beneath us while we were sleeping. Upon going into the store and requesting a refund for the bedroom set, they offered an even exchange to replace with a new set. However, I showed them on the showroom floor why the bed 's design is flawed and an even exchange would not be acceptable as the quality was not as advertised. After much back and forth with the store, they resisted giving us a refund so we filed a dispute with Synchrony Financial on XX/XX/2023. I kept communication with the store and continued to leave honest, yet negative reviews, on their social media so they finally agreed to refund us for the bedroom set and pick up the items over over multiple days in XXXX. The items were all removed from our house by XX/XX/2023, however, as of XX/XX/2023, no refund has been processed for the items that we are no longer in possession of. I called Synchrony Financial Services as I noticed my auto-pay was getting ready to process from my account on XX/XX/2023 and they explained they closed my dispute altogether because the store did not respond to their inquiry. The only option Synchrony gave me was to open a new investigation as of today with different verbiage around the items not being delivered. I asked them to raise an executive complaint about this to which they responded that they do not have an escalation process to get complaints to executive management. Our current balance with Synchrony Financial is {$5600.00} when it should reflect the reduction for the cost of the bedroom set ( {$4300.00} ) so our balance should only be {$1200.00}.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

Hello, I have received a virtual mastercard via " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX of {$21.00}. Whenever I try to use this card on any kind of website/app for an amount less than {$21.00} the payment does not go through. When contacting the website/app support system I am told that the payment does not go through because the card reports that there is insufficient funds. On the XXXX XXXX XXXX portal is shows I have funds of {$21.00}. I have tried calling My XXXX XXXX 's support phone number but they do not have an agent. Only robot. The max I can do is report the card lost or stolen or get the balance. Thus, they do not have a support line. They have no published email. I have contacted XXXX as well who let me know to contact XXXX  XXXX XXXX.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2022 {$1000.00} secured loan was opened without my consent or knowledge Company name : XXXX Account # XXXX Because of this my credit score has dropped dramatically.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MS)

I Was XXXX From XX/XX/XXXX Until XX/XX/XXXX And I Have Provided Proof Of That FACT I HAVE Sent A Copy Of My Release Papers FROM THE FEDERAL GOVERNMENT And A Police Report Stating The Facts That I Am A VICTIM OF IDENTITY THEFT
Consumer complaint received 2018-11-20
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. (IL)

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Consumer complaint received 2024-04-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-11-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage did not reduce my mortgage payments based on the reduction of my property taxes going down to {$16.00} per year, and they raised my mortgage payment from {$2900.00} to {$3200.00}. They told me that the adjustment would be made in XXXX and that I would receive a refund. Instead, they raised my mortgage payment, closed out the previous case on my property taxes, and opened up a 60-day review of my escrow. I'm requested to pay {$3200.00} for XXXX and XXXX mortgage payments. This issue should have been resolved back in XXXX when they told me the mortgage company performed their yearly review of escrow. The {$300.00} dollar extra they are asking for me to pay could have caused my mortgage payments to go into default if I wasn't able to borrow the money from a family member. In my opinion, the company acted unethically with this process. 

XXXX XXXX
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (IL)

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XXXX, Equifax and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, Equifax and XXXX   has  failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Consumer complaint received 2024-04-17
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late.If proof can't be provided I demand these payments be updated to on time as should be as I was NEVER late. Thanks. 

Update the account to paid on time and never late. Or remove it from my consumer report
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (WA)

I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. 

This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.
Consumer complaint received 2023-11-09
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. (OH)

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (IN)

These accounts are not mine please remove immediately! 
-XXXX XXXXXXXX {$730.00} Opened - XX/XX/21 -Navy Federal CR Union {$5200.00} Opened - XXXX/XXXX/202 -Navy Federal XXXX XXXX {$24000.00} XXXX - XX/XX/21 I never lived at this address please delete immediately! 
XXXX XXXX XXXX CT XXXX, IL XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested a copy of my consumer report from XXXX and found several negative items listed on my report that is inaccurate and have not been validated. The reported information is also being reported without my written consent to do so. I have asked for company to conduct an investigation and to delete all negative reporting items if proper copies of documentation bearing my signature pertaining to the negative items can not be giving to me.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NV)

XXXX XXXX XXXX XXXX XXXX Is falsely and inaccurately reporting a debt with XXXX XXXX XXXX that is not mine and they refuse to remove it from my credit report.
Consumer complaint received 2023-12-06
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-16
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. (WI)

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 EXPERIAN.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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity theft over the years after my Wallet with all my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX