davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Customer Service of Synchrony Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear sir, Since I could not use your company credit card and assumed my credit card ending in XXXX was closed, I tried to contact with senior specialist, XXXX XXXX XXXX XXXX ( XXXX ) XXXX extension XXXX from XXXX XXXX every hour until XXXX just to ask and make sure the card was closed for the security. I asked this person, XXXX, not to call back to make sure this person was the right person. I realized there was a call from the number, XXXX ( XXXX XXXX, XXXX  ) from this person, XXXX. He suggested I had called several times for some concern. My concern, or whatever is whether the card is closed without any announcement, even though I asked the company to close it. I asked in the voicemail of XXXX to send the bill for this closed account since I did not have the intention to pay through online for the security. Anyway, I assume your company could not solve the issue of reward certificates. Otherwise, your company should explain everything. 
Sincerely,
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX Account Number : [ XXXX Reason : [ need this old incorrect info removed from my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX l ]
Consumer complaint received 2022-12-10
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

it is a wrong report about a home owner line of credit was paid in full and closed 3 years ago for State Employee Credit Union in North Carolina. The company XXXX report this account like closed but no paid in full.
Consumer complaint received 2022-12-09
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: Bread Financial Holdings, Inc. (IL)

I called XXXX requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NV)

I have a credit card with XXXX XXXX Citibank XXXX which I have not used in many years. I recently checked my credit and they had applied {$10.00} to my account reflecting it was over 60 days. I did not receive anything to even let me know I owed them. I telephoned them and was told there was nothing they could do. They had tried to contact me on an email address I have n't had for several years. There was no effort to contact me by mail until yesterday when I received an alert ( after the fact ). This incident dinged by credit for XXXX points. After talking to them it seems the charge was for having an account. I feel it is very unfair to report an over XXXX when the consumer was not even made aware. Like I mentioned, that card has not been used for years. I went ahead and paid the {$10.00} that they were claiming I owed. However, I feel the fair and right thing to do is to remove that from my credit report.
Consumer complaint received 2023-04-25
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: JPMORGAN CHASE & CO. (IA)

XXXX has been charging me XXXXmo for something I have tried to cancel multiple times and can not talk to a person or sign in online. I continue to dispute these charges and chase continues to credit my account but XXXX will not stop charging my account.
Consumer complaint received 2021-01-06
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: Collection Bureau of the Hudson Valley, Inc. (TN)

On XXXX XXXX, 2020, CLLCN BUREAU OF THE HU add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CLLCN BUREAU OF THE HU has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

Someone used my email through wise to make unauthorized money transfers. I hacvw had multiple stalkers interfering with my email/finances through their spyware. The transfer numbers are XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alliance One, Inc. (CA)

Received a collections letter from XXXX XXXX XXXX stating it was from the Supreme Court of XXXX XXXX saying that I had failed to appear in court even though I have never been served by this company. I don't even know what the original debt is but don't want to call based on their collection tactics. This appears intimidating, threatening and illegal to use a fake supreme court stamp.
Consumer complaint received 2022-12-09
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. (NJ)

Under the consumer law my credit was not treated right. My XXXX XXXX XXXX  account in accordance with the fair credit reporting act. Has violated my rights. Under 15 usc 1681 sect 8602. I have the right to privacy. Also under 15 usc 1681 sect 604, consumer reporting agencies can not furnish an account without my written instructions.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). How can you say it was already processed when I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are NOT MINE.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This issue is for a business checking account I have with Wells Fargo. On XX/XX/2024 I noticed a fraudulent transaction occurred dated XX/XX/2024. I immediately contacted Wells Fargo to inform them that I did not authorize the two ACH transactions to XXXX  XXXX totaling {$1000.00}. They denied ability to reverse the transaction because too much time had passed. Does EFTA Regulation E for business accounts require notification within two days of the transaction or two days of awareness of the transaction? My copy of Regulation E is 72 pages. Where is the rule stated? Wells Fargo does not provide the ability to alert when an ACH payment occurs or the ability to " stop payment '' / prevent any future transactions of such type regardless of the initiator. I feel my business account is very exposed to fraud with very little protection offered. If the CFPB does not deal with business checking accounts please inform me where to direct my concerns. Why do consumers get 60 days and business accounts get 2 days? Thank You
Consumer complaint received 2018-04-17
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: EQUIFAX, INC. (CA)

On my XXXX, XXXX, and Equifax reports an inquiry shows on XX/XX/2017. I have contacted XXXX XXXX several times regarding a fraudulent application that they caught. They told me that they have reported such to the three credit reporting agencies. It seems to me that by now these dings on my credit should have been removed by now,
Consumer complaint received 2024-03-06
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. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-01-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

My previous attempts with obtaining valid information on online disputes, written disputes and telephone disputes have been unfruitful and the information that I have requested, has not been received, I have attempted on numerous occasions, via online dispute, mail and telephone calls, to obtain all information Experian used to validate/verify an erroneous account listed on my credit profile - XXXX XXXX card. I have asked them to provide me with all methods used to validate/verify this debit, without success. Attempts to verify this account with Experian have been unfruitful. The other two credit bureau 's, XXXX  and XXXX  were unable to verify this erroneous account belonged to me and promptly deleted the account. Attempts to have this erroneous account or deleted by Experian have been futile. I have been the victim of identity theft and have been fighting with erroneous information on my accounts, for the last two years. I am at my wits end, as this erroneous account has lowered my credit score, has prevented me from obtaining additional credit and gainful employment. I am at my wits end with Experian 's lack of response to my letters sent in 2020 ( XXXX, XXXX, XXXX ). My last recourse is to speak with legal counsel if they can not provide validated/verified proof that this erroneous account belongs to me, along with all methods used to gather data.. I want Experian to provide to me all information, data and and efforts used to validate/verify this debt. If they can not do so, then this erroneous account, must be deleted from my credit file.
Consumer complaint received 2022-12-09
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)

RE : In response to complaint # XXXX abount an account with XXXX XXXX XXXX listed on my credit report. 
Experian maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX While the burden of proof lies with XXXX XXXX XXXX  Experian, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Experian has provided rebuttal. If Experian maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Experian to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.
Consumer complaint received 2022-12-09
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. (IL)

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( these is an open account but reporting inaccurate so remove please )
Consumer complaint received 2022-12-09
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. (TX)

I have a XXXX  XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (FL)

On XX/XX/22 I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been well over 45 days. I feel like I am being taken advantage of and I will file for litigation if necessary. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion. The credit bureaus are in major violation and this matter should be handled immediately.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following accounts have violated my rights. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 2022-10-28
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. (AL)

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

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXXXXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

All in Credit Union inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I went to apply for at the XXXXXXXX XXXX XXXX loan and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. 

XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

I made a payment of {$990.00} on XX/XX/XXXX using XXXX XXXX XXXX to my American Express credit card. XXXX says they sent the payment and has provided me with a receipt. American Express has not credited my account and tells me they have not received the payment. I have made payments in this way before, and it worked just fine, but American Express will not credit my account despite the fact that I submitted all documentation that XXXX will provide. American Express says they need a transmittal form, which is not something XXXX will provide. American Express has a bill pay agreement with XXXX, but no one I speak with at American Express seems to know how it works because they keep asking me for documents that XXXX doesn't provide. My money is gone from the pre-paid debit card that I used for the payment, but American Express keeps claiming they didn't get any payment. I am out {$990.00} because they won't help. 

I have submitted 2 payment disputes through American Express, and they have closed them both times, saying that I have not provided the proof they need, and asking for documents that do not exist for payments made through XXXX bill pay.