davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (HI)

I have been getting billed {$30.00} to $ XXXX  monthly by Synchrony bank on my XXXX XXXX account unknown to me for years and possibly totaling thousands of dollars in fees. I never signed up for this program or authorized these payments. This account was only used for veterinary bills and never had a late payment etc. I can see this bank was already fined for deceptive practices and fees for this exact program in 2014, it seems they are up to their old predatory tricks abusing a credit program that is targeted to the most vulnerable consumers ( XXXX ).
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is my NUMEROUS 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 ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian
Consumer complaint received 2023-06-18
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-24
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX
Consumer complaint received 2023-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc. (AK)

XXXX XXXX never sent me a bill for the body scan they performed on XX/XX/2022. 

I paid {$230.00}, then they said they would send to my insurance, XXXX XXXX. I never got a bill from XXXX XXXX or from XXXX regarding my XXXX scan. 

I checked my XXXX credit report 2 days ago, and I was astounded to find a collection account on my report from Cornerstone Credit Services. I never received any letters in the mail, nothing. XXXX XXXX sent my bill to collections without notifying me. XXXX never sent me a bill, and now this collection agency put a report on my credit, without sending me a letter notifying me of the charges. 

So this collection agency has broken the law by not properly communicating these issues with me. XXXX XXXX and XXXX have dealt treacherously with me by not notifying me that XXXX XXXX was out of network for XXXX. I am disputing this with XXXX now and trying to get this taken off my report. I can't even validate that this debt is mine.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

In XXXX 2017 I booked a family cruise on XXXX XXXX XXXX. I used my Chase card to make the payment. I have always met my obligations regarding the credit card agreement as far as making payments timely. While onboard i patronized the Casino. I later found out that XXXX is notorious for deceiving and fraudulently cheating customers in the casinos on board. I was told by XXXX employee ( the hostess in the casino ) that I can used my onboard room card to play up to {$3000.00}. The limit on my Chase card wsd {$3500.00}. 
While in the casino I played mostly from winnings as well as spending money I brought onboard. I went to a Casino patron to check my balance they advised the couldnt tell me i would have to go to guest services. I figured since i could only use up to XXXX based on the Casino rules and my limit being {$3500.00}. I could not exceed that. I won {$2700.00} and played mostly from that. So imagine my shock when on my way off the ship i was given a bill from the casino for {$6800.00} approximately. I emailed XXXX and requested an detailed itemized reciept of winnings played as well as the amounts played from the onboard card. I have yet to receive that. 
To my complete surprise Chase bank accepted the charges for almost double my limit. I called Chase to question why they would accept a charge for double my limit when that was not our credit card agreement. Had i tried to purchase an item for {$6800.00} it would have certainly benn declined. Chase agreed to take a partial amount off to honor the card a agreement. The balance i would resolve through XXXX once proper billing had been supplied. After making a large credit card payment chase went ahead and added the balance back without my knowledge. They have made no attempts to resolve the issue. I feel Chase and XXXX XXXX XXXX are deceptive and unscrupulous in thier practices to mislead consumers.
Consumer complaint received 2023-07-24
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. (NY)

Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Trans union credit bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 — Account status incorrect
Company: CarMax, Inc. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-11-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed numerous ATM debit transactions on an account that had a {$0.00} balance. Numerous withdrawals were made over a week period that exceed the daily ATM withdrawal limit and increased the account 's negative balance to just under {$8000.00}. This type of activity had never occurred on this account over the 5.5 years it was open. However, these transactions did not raise any red flags with BofA that led to a direct inquiry. 

When I called BofA on a recorded line and told them not to allow any further transactions, two additional withdrawals were made later that day for {$1500.00}. 

BofA had no explanation about how these withdrawals could have continued to happen with such a large negative balance. They had no explanation regarding how they performed their fiduciary duty to protect my assets. I closed my account. 

BofA reported Account Abuse to XXXX. I paid off the reported amount so I could continue bank with another bank. I am disputing my responsibility for the last {$1500.00} of withdrawals thru XXXX following my recorded call request to stop all further transactions.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (SC)

Hey, Im joining the military and leaving for boot camp soon. Ive only ever had a bank account with my mother which was a childs account. I was told by my recruiter to open XXXX preferably XXXX XXXX, I recently got denied and was told to call and get a consumer report I dont know what else to do just want to open the account any help would be appreciated thanks.
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 — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (MO)

This company is illegally reporting this account on my credit report. Per the new rules from the credit reporting agency 's XXXX, XXXX, and XXXX can not report a medical collection less than a year old on your credit report. This debt is not older then a year and must be deleted immediately. Per FCRA new reporting rules, the debt is not allowed to be reported on my credit report.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have a released state tax lien from the state of Georgia on my credit reports at  XXXX , Equifax, and  XXXX . The lien was filed on   XX/XX/XXXX   and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX  (  see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus,   who stated that they need documentation from the GA  Dept of Revenue  requesting that the released lien be removed from my report - they report that the information is accurate and it is listed on my credit report as 'released. '  One  credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the GA  Dept of Revenue  who advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.
Consumer complaint received 2017-11-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (PA)

Hi I have tried for 3 months now to get a modification and I feel like they are giving me the run around and have no intention to actually help me or even look if I qualify. I have sent every paper they asked for, I have called numerous times and been told they have all they need and will contact me and then I look on their website and see they have me down for missing papework and not being approved. I would really like one person to contact instead of random customer service people who do n't know what they are doing, this is important to me it is my home for my family and I am out of work on workers comp. I just need help with what is past due and I can resume payments. I just fell behind because of the injury and loss of pay for a while then I got hit with having to may my own healthy coverage and the home has a pool and trees that I then had to have winterized to avoid any damage and with all those things and limited income way lower then my usual pay I just could not do both. I can resume payments now but I am behind and need to work that out first. I just want someone to work with me rather then write me off.
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (PA)

I've asked for validation of debt. 
I stated that I never had a contract with this debt collector for any debt. And asked that proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it be provided.
Consumer complaint received 2023-07-24
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. (NC)

According to 15 u.s code section 1681n I have experienced willful noncompliance with these consumer reporting agencies. They have failed to respond within 30 days mail, To start an investigation on my dispute for inaccurate and false information on my credit report which I sent on XXXX in US mail it is now XXXX XXXX. I am seeking to sue for damages of {$1000.00} for each violation. This has caused me an extreme amount of distress and defamation of my character. I also demand the items I have disputed be deleted immediately.
Consumer complaint received 2023-01-19
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. (TX)

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 2023-01-12
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (KS)

My social security XXXX was direct deposited on my XXXX card on XXXX XXXX 2017. I was visiting XXXX ok with my son. When I got home I noticed the card was missing and reported it. The company sent me a new card. Now Incomm sent me a letter refusing to credit my account. Someone stole my card and withdrew XXXX and XXXX within two minutes from an atm. I never gave permission or my pin to anyone. I need this money to live on. I am XXXX. Please help. I am attaching the letter Incomm sent. 

XXXX XXXX
Consumer complaint received 2023-07-25
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported
Consumer complaint received 2023-01-19
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)

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 2024-05-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to file a formal complaint regarding a public record entry on my credit report that has been inaccurately reported. After conducting my own thorough investigation and verification with the creditor, USBK COURT XXXX NORTH CAROLINA, it has been confirmed that the bankruptcy entry in question was NEVER reported by the creditor to the credit bureaus. Despite this verification, this USBK COURT XXXX NORTH CAROLINA account continues to negatively impact my XXXX XXXX and financial standing. Transunion states they verified this information from a third party called XXXX. I have attached the correspondence from XXXX stating this was removed because it was unverifiable ... .so how can Transunion have verified it if it was not on my XXXX consumer report they have failed to do a proper investigation and reinvestigation. This inaccurate reporting is causing significant distress and hindering my ability to access fair credit opportunities. I kindly request your intervention to ensure the prompt removal of this erroneous bankruptcy entry from my credit report. I have attached documentation from XXXX confirming the non-reporting and unverifiable status of the bankruptcy. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the swiftest action to rectify this issue and restore the accuracy of my credit report