davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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 am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

This complaint is related to a XXXXXXXX XXXX XXXX that is provided through Synchrony Bank. 

I reviewed my statement for XX/XX/2022 and noticed several charges that I did not make or authorize at gas stations that I do not go, in locations I don't go to. I was surprised that the charges were for other brands of gas stations ( XXXX ) than what the card is actually issued for ( XXXX ). 

As soon as I became aware of these suspicious charges, I called the customer service number and they transferred me to their fraud department. I reported these suspicious charges. They told me it would take two months to investigate and they told me to continue to pay my bill. During the time that the fraudulent charges occurred, the company had increased my credit limit, which allowed the fraudster to charge more. 

I never heard back and so I called again in XX/XX/2022. They told me that they did not have a record of my report and that they would document the matter and start to investigate it. I waited and nothing happened. I told my daughter about this stressful situation and she called the fraud department on XX/XX/2022 to determine what was happening. They still did not have a record of the report. My daughter and I filed yet another report and got a claim number ( XXXX XXXX ) so we could have a record. They said it would take 60 days to complete the investigation. 

I received a letter on XX/XX/XXXX that stated " Good News! We completed a review of the claim on your XXXX XXXX XXXX account and found no fraudulent activity. The purchases in question were pending charges not billed to your account. Pending charges may appear as temporary authorizations before an actual purchase is completed. This commonly occurs at gas stations, restaurants, and online. If the purchase is not completed, the pending charge is removed. It's important to always review your billing statements for any unauthorized account activity. Find more information on how to protect yourself at synchrony.com/protect. If you have questions, please contact us at XXXX. We appreciate your business and hope you continue to enjoy your XXXX XXXX XXXX account. Sincerely, Your Synchrony Fraud Solutions Team. We're Here to Help XXXX. XXXX. '' Also, on the letter there is a visual that has a lock image and it states " {$0.00} Fraud Liability = You're never responsible for unauthorized charges. '' After I received this letter, I continued to receive statements with the same charges. I have tried calling the number on the letter and they are not available 24/7. I feel helpless, cheated, and truly don't know what to do anymore. And I continue to have fees assessed on the outstanding balance.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-18
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX XXXX. They in fact did not come from a XXXX XXXX. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-29
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. (KY)

I requested a couple times for this account to be removed from my credit report due to inaccuracies I have sent in my investigation with resources to show the inaccurate information the account keep coming back verified. The account may come back verified, but the account has several in accuracies against Trans Union, XXXX, and experience. Once again, please remove this account from my credit reports.
Consumer complaint received 2024-03-29
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. (UT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXXXXXX XXXX XXXX Amounts. {$6400.00}, {$340.00}, XXXX
Consumer complaint received 2023-04-12
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. (CA)

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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 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, 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 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (OK)

I have contacted XXXX XXXX XXXX  about this matter. pursuant to 15 usc 1692g I ask this procollect inc for validation and a copy of any documents bearing MY SIGNATURE, showing that I have a legally binding contractual obligation to any alleged debt. I do not have an account with at t nor do I have a contract Procollect Company. I am the original creditor and i do not validate this debt.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I started noticing that planet fitness is charging extra fee from my XXXX  card on autopayments. I talked to them and the bank to return my money. The bank returned my money once and charged back. It's happening every month and I requested the bank Capital one to block this vendor as the gym is not listening to my request and they are charging over charges despite of several contacts. The bank is not blocking the vendor. I changed the credit card even then the amount was charged again. I want all my money back and the bank should stop harassing me.
Consumer complaint received 2023-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXXXXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon as possible.
Consumer complaint received 2022-10-17
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. (PA)

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 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

This morning I logged into the Experian website to lift my security freeze. I lifted it from today XX/XX/18 through Friday XX/XX/18. I was curious if it actually lifted this time as in past times they charge me but don't lift the freeze. I got a confirmation - see attached, I then looked at my credit card statement and they charged me to lift the freeze - see attached. My bank called me about 6 hours later and stated they still can not view my credit report as it is still locked. I spent an hour on hold ( yet again ) calling several different numbers, but still Experians excuse for customer service, refused to even answer the phone. I've been defrauded of money. They have purposely and willfully stolen money from me and refused to provide a service for what I have paid. Due to their malfeasance, I have lost a business opportunity and a loan. I should hire an attorney and sue them
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BHFC Financial Services INC (AZ)

Took out car Loan first loan in XXXX for XXXX for a use XXXX XXXXXXXX XXXX Paid XXXX deposit and monthly was XXXX. Paying for 4 years had made payments every month since then. I am aware of late payments but not the amount shown on credit report.I file dispute and here I am looking for help in my account.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Transcontinental Credit & Collection Corp (NY)

Sharing of information is the best description but third party about my debt is what I checked cause none of the descriptions was mine. I 'm calling about : I spoke to XXXX on XX/XX/2017 about a hospital bill for my son at XXXX Hospital. I made payment, which I had no problem with. My complaint about XXXX is he asked me about other family member bills under my address. One was for my daughter " an XXXX '' bill and another was for a XXXX " some collection bill he has with that agency ''. I told him I 'm not calling to discuss anyone else 's bills just the account that I 'm calling for. He had no business asking me about someone else 's bill/account at the address that I 'm at. When I asked him why are you asking me about their bills he said because they are listed at the same address. I do believe he just broke some type of privacy law. What if my daughter never wanted me to know she went to the XXXX or that she has bills in collections??!! That was totally unprofessional of him to ask me about someone else 's bills!!!! I called back today to talk to his manager to give a complaint but the receptionist said she could only put me through to him and then he would transfer me to his manager. How am I to know that the person he would be transferring me to is really his manager???!!! And then I thought she was transferring me to a manager after I complained to her and SHE transferred me to him anyway!!! I hung up on him and now I am writing you this complaint. Do n't know what could be done about this but certainly there was a law broken asking me about someone else 's accounts!!
Consumer complaint received 2021-04-17
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. (NC)

XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor XX/XX/XXXX - i disputed the info with the credit bureau and creditor
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (HI)

Said they notified us about changing our address but as you will see from the attachments they sent the letters to an address that we had more than 15 years ago, I have had nothing to do with XXXX but because of their incompetence, this may cause some tax complications. For the past 15 years Hawaii has been our address and all correspondence has been going to our Hawaii Address. When the letters were sent to our former address they would have been returned to their office, Why did they not contact us at our Hawaii address? My name has been on the checks and the checking account was an active account with sufficient funds for more than 15 years. We have been good clients.
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical & Professional Collection Services, Inc. NC. (FL)

Received a letter from Medical and Professional Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Indiana XXXX - XXXX XXXX XXXX XXXX XXXX When I called to ask questions about what this bill was in regards to they had no invoice # and could not tell me what equipment it was for. 
The letter stated RE : XXXX XXXX XXXX XXXX XXXX I asked for the company 's information so that I could contact them directly. I was told to XXXX their information. 
I have not done business with XXXX XXXX 's
Consumer complaint received 2023-04-11
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. (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 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

A Fraudulent electronic purchase via mobile phone for 2 items was made on XXXX XXXX, at XXXX XXXX by using my Discover card. The purchase was made in TX, XXXX for {$1800.00} Initially the shipping label was created with my ( Credit owner ) address, but the purchaser contacted carrier ( XXXX ) and has changed the delivery location to the XXXX pick-up point in XXXX XXXX XXXX NY Then Unknown person picked up 2 packages on XXXX XXXX at XXXX location 2 items were returned to XXXX XXXX at XXXX location on XXXX XXXX and exchanged on the same date for XXXX Products XXXX {$1800.00} Summary : Discover card was credited by " XXXX XXXX '' with the difference b/w the purchased and exchanged items for amount of {$1.00} and now is charging me, as a card holder, for the rest of amount = {$1800.00} Actions that were taken by me : XXXX. Dispute charges were initiated with Discover card 3 times. Case is closed XXXX. Discover card was cancelled XXXX. Police report was filed for XXXX XXXX  / ID theft XXXX. Opened 3 cases with XXXX XXXX- did not get approval for refund
Consumer complaint received 2021-08-27
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. (NY)

I am a victim of identity theft. XXXX XXXXs, portfolio Recov XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept of ED/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has Fraudulent accounts on my credit profile.that needs to be removed immediately ...