davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

American Express o ffered a rewards points for spending, and paying a {$500.00} annual fee. I have had the account for over 6 months, a member of theirs f or 12+ years. When I actually tried to use the points that I accrued, they said they needed to investigate and have held them for up to 10 we eks for some arbitrary investigation. I applied and paid {$500.00} on the promise that I would receive and be able to use my points from spending.
Consumer complaint received 2023-01-02
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

Pursuant to XXXX XXXX the account balance reporting to the credit reporting agencies is not accurate. 

The amount of debt sold to XXXX XXXX XXXX XXXX is not accurate pursuant to XXXX XXXX testimony. According to XXXX XXXX, American Express seeks {$1000.00} American Express had sold the debt to XXXX XXXX XXXX XXXX and is seeking {$1400.00} According to XXXX XXXX testimony the amount that XXXX XXXX XXXX XXXX is seeking is not accurate pursuant to XXXX XXXX testimony to XXXX  dated XX/XX/2022 regarding the Hilton Honors Card with American Express. 

Pursuant to the FCRA AMERICAN EXPRESS IS NO LONGER THE CREDITOR AND HAS SOLD THE DEBT TO XXXX XXXX XXXX XXXX HOWEVER THE AMOUNT IS NO ACCURATE PURSUANT TO XXXX XXXX STATEMENT OF FACTS REGARDING THE AMOUNT DUE.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CT)

In XX/XX/XXXX I received an email notifying me that a Home Depot credit card was open under my name. My wife and I called Home Depot credit card services on XX/XX/XXXX to report the account as fraudulent. We were assured that the account would be closed and reported to the credit bureaus as a fraudulent account. Then in XX/XX/XXXX I saw that the account was still listed as open on my credit report, so I called Home Depot credit card services again on XX/XX/XXXX to request again that the account be closed and reported to the credit bureaus as fraudulent. We were assured again that they would do as requested and would send us a confirmation through email. We never heard anything back and the account is still listed as an open account, although on XX/XX/XXXX the status was changed to be under " payment as agreed ''. We called Home Depot credit card services again on XX/XX/XXXX and received conflicting information about whether the account was closed or still under investigation ( consumer protection department rep. XXXX ). Throughout the whole process we have been told that they do not provide customer service representative ID numbers or any written confirmation of our phone conversations for the purpose of documenting these conversations.
Consumer complaint received 2018-03-07
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. (GA)

I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.
Consumer complaint received 2017-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent over  6 lett ers to TRANSUNION.        XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I requested written original signed verification of the following accounts as required by FCRA  609.      - XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , tx  XXXX  Transunion  states  they have verified this account? They did not provide original signed signatures proving this was my account and the address they have on file is totally incorrect.  XXXX  who ever they call themselves.     INQUIRIES : TRANSUNION ALSO REPORTS SEVERAL INCORRECT INQUIRIES ON MY CREDIT REPORT.      XXXX   XXXX ,  XXXX   XXXX ??????????????????    XXXX   XXXX   XXXX ???????    XXXX   XXXX ,  XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX ???????????????????????????????????     ADDRESS INFORMATION : ALL TOTALLY INCORRECT-  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX  EMPLOYMENT : ALL TOTALLY INCORRECT-   XXXX   XXXX   XXXX  They responded by saying the accounts were verified correct? Who verified them? where are the original signatures? The address are not even correct.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for an apartment and through background check ( XXXX/XXXX/XXXX ) I was notify their was an eviction on my record XXXX Bank of Amercia, foreclosure property, XXXX XXXX XXXX Ga XXXX. I did live at this residence as a guest, briefly ( I never had any ; lease, mortgage, or any type of financial obligation to this property ). 
I moved in XXXX ( purchase home XXXX XXXX XXXX XXXX ga XXXX ). I reside in my home from XXXX until I sold it in XXXX. I was not living at this property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) when this eviction notice was serve and should not been listed as resident, I had long moved. And I do n't /did n't have any type of mortgage with them. I tried to this with BOA, no help. Also with XXXX XXXX they informed they just serve papers, they do n't verify we 're the names are correct. So I need help getting this wrong eviction off my report.
Consumer complaint received 2023-06-22
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX-XXXX  XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied online for a lowes/synchrony credit card. I provided all the required information including a biometric scan and images of both sides of my State issued drivers license online. 
I received an error message that said I needed to go to a Lowes store and apply which I did. The store personnel did not request the biometric facial recognition data or the copies of my drivers license and they informed me that I was denied. 
I have more than 10 C d accounts and a RoomstoGo/Synchrony account all in good standing. 
Now I am being told that Synchrony can deny credit for any reason they so choose. This is a direct violation of The Fair Credit Reporting Act as it is worded. 
I need to know if I can expect this kind of disfunctional credit assessment due to unannounced changes to lending policies which do not mention that this new requirement can be used, even when it doesn't work properly online or in store, to deny credit to a perfectly credit qualified individual.
Consumer complaint received 2023-06-22
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. (VA)

This is a follow-up to my previous complaint in which I urgently requested the removal of fraudulent accounts and associated information that the Credit Reporting Agencies have been erroneously reporting on my Credit File. I am aware that, according to the Fair Credit Reporting Act section 605b, the Credit Bureaus are legally obligated to expunge any and all accounts and information resulting from fraudulent activities. I implore you to assist me in promptly eliminating the following items from my Credit File : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. It is imperative to emphasize that these items are entirely unfamiliar to me and should never have been included in my Credit File. If the Credit Reporting Agencies contend that these disputed items legitimately belong to me and that they possess the legal rights to report them on my Credit File, I demand that the Credit Bureaus provide me with copies of the documents they have purportedly discovered to substantiate these claims. In the absence of such documentation, I expect nothing less than the immediate removal of the disputed items.
Consumer complaint received 2022-10-27
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following creditors re-aged the debt illegally in order to extend the time of credit file in violation of FCRA 623 ( 5 ) ( A ) : XXXX XXXX, XXXX, MN XXXX This information was submitted to the credit reporting agencies with refusal to take off
Consumer complaint received 2023-07-10
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. (DE)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-10-22
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. (TX)

XXXX and XXXX XXXX XXXX, XXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and XXXX says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
Consumer complaint received 2023-02-22
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. (GA)

CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, US DEPT ED Account number XXXX and DEPTEDXXXX Account XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

Double charged from moneygram when XXXX transaction was canceled beforehand. 
{$1500.00} canceled but moneygram still process {$1500.00} correct Therefore XXXX transactions went through to bank
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

calls from Midland fuding LLC different numbers all times of the day. spam mail I also asked for original documents from from original creditor and was not given one. I need this off my credit report asap
Consumer complaint received 2023-07-25
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (CA)

I have previously identified this XXXX account as identity theft and submitted the necessary documentation for it to be removed according to 15 U.S. Code section 1681c-2. Today I received a piece of mail from the company without my consent to obtain mail at this address and they do not even have the address correct. This is a further violation of my rights to privacy as a consumer.
Consumer complaint received 2018-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I attempted to purchase some clothing on XXXX from what seemed to be a ligit website on XX/XX/2018. The seller offered 3 different payment methods, XXXX, XXXX XXXX, money order. I chose XXXX because I figured a bank was involved so it has to be credible, after speaking to the seller via text and placing my order once I transferred the {$250.00} the seller seemed to stop responding to me so the next day the name of the website was changed from XXXX to XXXX, so I called the bank wells fargo and reported it they pretty much told me their not responsible because I authorized the transaction my claim # XXXX I also made a police report # XXXX. These banks are allowing criminals to use their establishment to commit crimes and dont even investigate it. My name is XXXX
Consumer complaint received 2023-07-25
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. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

For 2 months, XXXX and XXXX of 2017 Bank of America account has transferred 2 separate monthly payment to another account with out my authorization. Further, I have letters from Bank of America stating these transfer were made in error. As of XXXX XXXX, 2017 there has been a charge applied to another account, which is being disputed. 
Bank of America has not been able to explain how a account can transfer funds without impute from me.
Consumer complaint received 2023-07-25
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.