davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

In XXXX, 2022, I contacted USAA regarding a dispute regarding a {$79.00} charge to my XXXX which involved an online scam, for which the XXXX XXXX XXXX a dispute and chargeback process to protect cardmembers. 

Per USAA 's instruction, I compiled a letter including very comprehensive evidence which USAA received on XX/XX/XXXX. On XX/XX/XXXX I received the attached confirmation. 

On XX/XX/XXXX, USAA asked me to provide specific information that they had already received on XX/XX/XXXX. The documentation was already sitting in a PDF on USAA 's server. 

On XX/XX/XXXX, I received the attached correspondence that my dispute had been rejected because USAA had insufficient evidence. When I called USAA, they confirmed that everything had been received on XX/XX/XXXX yet due to the configuration of their computer dispute system, they did not consider the information I had already sent. 

I am attaching all 48 pages of correspondence ( 3 files ) with the fraudulent vendor that includes images demonstrating the product they sold was not as advertised. 

I am also attaching a XXXX receipt and image of the envelope where I mailed back the product to that vendor. 

I have returned the fraudulent product, received no refund from the vendor, and received no relief in the credit card dispute from USAA. It is clear that USAA had all required documentation on XX/XX/XXXX yet USAA will not tell me what additional information they need to process the dispute and has declined the dispute despite clear evidence it meets the criteria for their member protection commitment.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX  XXXX XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (CA)

I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IL)

My XXXXXXXX XXXX XXXX account is not accurately reporting payment history up to date I been a XXXX customer for over 15 years paying multiple lines out my bank accounts for a decade They refuse to use my long-history XXXX  account to boost my score
Consumer complaint received 2023-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back.
Consumer complaint received 2022-10-28
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. (MO)

Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service (WV)

I had opened up a Military Star Card in XX/XX/XXXX. My last payment was XX/XX/XXXX. The Army and Air Force Exchange service contracted XXXX collection. They sent my account to the XXXX service. Through the XXXX service they collected XXXX in XXXX and XXXX in XXXX tax refunds. They have been garnishing my social security benefits for over a year and a half. This debt is not enforceable under both state and federal laws of the debt collection acts. Also the interest rates are incorrect due to them adding a higher rate than what was agreed to. This debt has been paid for and I have been over charged.
Consumer complaint received 2023-03-03
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)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MD)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (TX)

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 : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (GA)

This company has caused a great deal of suffering with reporting my credit not only was there a breech with my personal information I never authorized them to report or have my information to begin with Ive called but they did nothing to be proactive nor reactive in this situation
Consumer complaint received 2024-03-22
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. (IA)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-03-03
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. (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. 

Account name : XXXX # XXXX, Account name : 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer to any containing any of the following items of information. Any other adverse 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 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, 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. (IL)

There are several inquiries on my credit report that I did not authorize. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are fraudulent
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$820.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (NV)

University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.
Consumer complaint received 2022-11-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (IL)

I reviewed my Consumer Reports and noticed that I had a late payment 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 account # 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 they should be as I was NEVER Late. 

Thanks.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. ()

On my credit report it states I was living at a property before I was born. It has the dates I lived at this property wrong and have also attached a person I have know knowledge of an attached this time to the address I have previously lived at but at the wrong date as I previously stated 3 years before I was born.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

My debt with XXXX XXXX was paid via insurance. However, there was an issue with billing or payment processing by XXXX, and XXXX placed the account for collection after it was paid. 
Trans World Systems Inc ( the collection agency ) received the account and reported it on my credit. 

I submitted a dispute via XXXX, XXXX, XXXX XXXX and the debt collection company in XXXX XXXX. 

I was denied credit recently because of the negative report. 

I followed up with XXXX, the validated today XXXX XXXX, XXXX, the account does not exist any longer. 

I called Trans World Systems today, XXXX XXXX around XXXX EST, the rep acknowledged my dispute was on record since XXXX, but they were unable to obtain proof from XXXX, and then said they will not remove it from my credit. 

This is a willful violation of the FCRA. 

Then, the rep attempted to collect on the debt after acknowledging it was in dispute in their systems. 

When I informed her that the debt was paid, she just violated the FDCPA by trying to collect on it, and was violating the FCRA by not updating my credit, she hung up on me.
Consumer complaint received 2023-03-03
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. (MD)

This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.