davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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. (FL)

Submitted a complaint for a late payment showing on my credit union account ( XXXX - opened XX/XX/XXXX. Payment in question is XXXX, XXXX. Transunion said this information was verified accurate. They wont provide me method of verification, they claim thats not their responsibility, but according to FCRA section 611, they are supposed to send me that method within 15 days. Ive explained this to their special escalations department, and they claim to have no knowledge of this. I spoke with XXXX & a XXXX and they both claim thats not Transunions duty under the law. They are willing fully & negligently breaking the law & violating my rights as a consumer.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : 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
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CT)

A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

i save my cryptocurrency on blockchain wallet, i later detect about their interest account so i transfers XXXX ETH on XX/XX/XXXX to the interest account on blockchain and on XX/XX/XXXX i transfer XXXX XXXX to the interest account, on XX/XX/XXXX i was contacted by blockchain to provide my source of wealth and i provided all the documents they asked for and i didn't read from them again, i even sent emails to asked if everything is alright but i didn't get a reply, so on XX/XX/XXXX i already had XXXX ETH in my interest account and i have XXXX BTC in my interest account too so i decided to withdraw XXXX out of the ETH in my interest account to my private wallet and i got a confirmation email which said the XXXX ETH will be available in my private wallet by XXXX of XX/XX/XXXX and by XXXX of XXXX the ETH hasn't been in my private wallet account and i didn't read from them so i contacted their support and i was told my account was been review and they will get back to me soon, on XXXX XX/XX/XXXX i was contacted and i was told i had an unresolved issues with blockchain, according to blockchain the issues happened XX/XX/XXXX and i remember immediately is about the documents they asked me to provide and i explained i already provided this document so i was asked to resend the document which i did and they acknowledged receiving it and promise to get back to me soon and they haven't get back to me up till this moment, so on XXXX XX/XX/XXXX i decided to withdraw all my ETH and BTC from my private wallet account and i also got a confirmation that it will be there on XXXX XX/XX/XXXX, by this time am writing to you my blockchain wallet account is XXXX, i have talk to the support so many times and they keep telling me to be patience that my cryptocurrency are safe and i will soon receive it in my private wallet and i haven't receive it, please am tired of been patience and this is really affecting my health because i can't just lose all my fund. i feel blockchain is trying to scam me or they used my cryptocurrency as a loan and they are finding it hard to retrieve the loan so they are using delaying tactics. i find out a lot of people are having this problem but no one is ready to speak out, some said it took 3 to 4months before getting it back. i will appreciate if blockchain wallet is contacted and asks to make my cryptocurrency available as soon as possible. thanks
Consumer complaint received 2021-05-27
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)

I've been trying to contact a human at Experian for several weeks to figure out how to correct personal information that is not mine. 
When I get emails from Experian it is addressing me as XXXX ; it also has the last 4 digits of a phone number that is not mine. When I try to log in the site wants to send a code to that number so I can never go any further to get to my account. I'm stuck in a quagmire. 
Credit Bureaus take it upon themselves to dig into a persons ' personal financial history to ensure to creditors that the person applying is credit worthy ... .BUT they can't get their personal information correct and they make it next to impossible to correct it. AND want to charge for a membership. OUTRAGEOUS!!!
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted XXXX credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are XXXX XXXX, XXXX XXXX, capital one auto finance, and XXXX XXXX XXXX. XXXX inquired hard on my credit 3x consent wasnt given for any of these.
Consumer complaint received 2023-08-10
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. (FL)

Dear Equifax, There is information that is 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. I am 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 transactions by me as the consumer : XXXX  XXXX XXXX  XXXX
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-05-28
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. (NC)

I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. XXXX is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is XXXX still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

A law firm agreed to a settlement amount. 
They are now saying they will not honor that amount. 
Reason. I had previously made an agreement for an amount greater than the amount provided in a letter I received that looked like junk mail. 
I subsequently called the law firm back and stated that I will pay the amount that the letter stated. The service rep agreed and collected monies. All 5 bureaus were to be updated and reported as paid. Today they stated they would honor the original agreed amount with the first rep and that the rep who agreed to the letter amount was wrong and apologized. Could not talk to a manager.
Consumer complaint received 2024-03-26
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. (IL)

Subject : Dispute of Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute an inquiry on my credit report that I believe to be unauthorized and in violation of 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ). The inquiries in question appears on my credit report under the name of [ 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 ] needs to be deleted immediately .

Upon reviewing my credit report, I discovered this inquiry, which I did not authorize nor have any association with. As per the FCRA, access to my credit report is only permissible for specific purposes outlined in 15 U.S. Code 1681b, and I have not granted authorization for this particular inquiry.

I request that you promptly investigate this matter and provide me with detailed information regarding the source and purpose of the inquiry. Additionally, I demand that this unauthorized inquiry be removed from my credit report immediately, in accordance with the provisions of the FCRA.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, as well as any supporting documentation relevant to this dispute.

I expect your full cooperation and prompt resolution of this matter within the time frame specified by law. Please inform me in writing of the results of your investigation and any actions taken to rectify this issue.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have been working with Chase to get a business account, I spoke with some and in the last month more then 2200 has gone though my account, yet when I get a check deposited for XXXX, XXXX of was allocated for the deposit for my business account. They froze my funds, when I call to find out why First I got hung up on, Then I received Sutch horrible service I had to ask for a supervisor. Once I actually got to speak with Someone one about my issues I was told they would have to contact the bank and the Check writer, both of whom told me it was fine, when I called chase back I was informed it was their choice. I asked as to why, they said they can. I reminded them that this check Not clearing was Forcing Me to not only Occur fees! And miss My first payment for this is directly effecting my credit and my ability to feed myself. All of my finances I tied to this account, and they are refusing to release my funds, knowing They are going to hit me with fees I signed to when I opened my account. Im also not able to Pay for equipment for my business that I already order and had to cancel due to funds. Im trying to run a business one Ive had to shut down my business Stop taking payments and refund people. My Smallest package is XXXX $ and the next is XXXX $ and my account is getting frozen over XXXX. 
I have an EIN and XXXX is now back on hold. I have automatic payments Coming out of this account and they are aware I made sure
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NH)

Best Buy   XXXX   XXXX   neglects to send my monthly bill on time. Some months it will send me my month bill on time other months it wo n't send it  at all. After the 3rd time and my 3rd late fee and interest fees  charged to my account I have closed my Best Buy  XXXX  seeing this pattern was happening more frequently. It clearly is a scam for Best Buy to rip consumers off by not sending their monthly bill to gain extra fees that are not legit.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2021-05-28
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. (OH)

On XX/XX/2021 I disputed an alleged debt on my credit report thru equifax from the debt collector agency XXXX XXXX XXXX XXXX in the amount XXXX dollars. The dispute was said completed on XX/XX/2021. The completion of the dispute resulted in meeting compliance with FDCPA 15 USC 1692 and the account was closed which it should have been removed per my request. Days later the same disputed alleged debt was reported back on my equifax consumer credit report. I was not notified in writing within a 5 day period that said alleged debt would be reported back in to my credit report by Equifax. This is a violation of my consumer rights in accordance with 15 USC 1681b.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (SC)

I recently received a copy of my credit report from XXXX and equifax and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX XXXX # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (VA)

I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are still reporting on my credit report and no further actions have been taken. I have filed an FTC report again which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently made sure payments on this account are on time, preventing any overdue situations. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-05-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I had a collection reported to all three credit bureaus for a {$160.00} debt that was over 4 years old. I sent three letters to the collector seeking validation of the debt. The collector refused to answer any of the questions or provide validation information. I then sent dispute letters to all three credit bureaus asking for the collection to be deleted because the creditor would not answer any questions or validate the debt. XXXX and XXXX investigated and deleted the information, however, Equifax responded by " updating '' the report. However, the update did not provide any new or verification information.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (NC)

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( Experian, XXXX, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a loan with CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX  and CAPITAL ONE BANK USA N with no successful resolution.XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.