davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MN)

Starting in XXXX I couldn't use my card. When calling customer service they said their system upgrade caused issues. Since then ( roughly six months ) they have reported my account closed - I confirmed with their rep it is not. This caused a big drop in my credit score. They refuse to issue my card, which is now expired. I've asked numerous times why and they continue to say " system upgrade issues ''. They have no reason to close my account and it shows open online ( see documentation ). A large company should not be messing with peoples credit like this. It's very strange.
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX I caught a XXXX for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to XXXX and Transunion for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

Transunion : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this possible?
Consumer complaint received 2023-08-23
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. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, A XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have submitted disputes to all the credit reporting bureaus about a XXXX XXXX XXXX credit card that's been opened in my name and used apparently and I explained multiple times that I have been a victim of identity theft and that there has been many attempts to use my information for loans and credit numerous of times and that I never authorized a credit card account or any loans to be made in my name and now my credit score has been fraudulently decreased after all the time and hard work of getting my credit score to were it needs to be and now I'm suffering from fraudulent account on my credit score and having to take all these steps to try to fix this problem I don't have no credit card with XXXX XXXX XXXX and haven't tried to open a account with them so please help me get this took care of and get my credit score back to were it was before this mistake or before the identity of mine was stolen please
Consumer complaint received 2023-08-23
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. (MA)

To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, and onXX/XX/XXXX, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

-- -XXXX XXXX XXXX Date fraud began :XX/XX/XXXX Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} -- -XXXX XXXX XXXX, Date fraud beganXXXX Total fraudulent amount : {$1100.00} -- -XXXX XXXX XXXX, Date fraud began : XX/XX/ Total fraudulent amount : {$980.00} -- XXXX XXXX XXXXXXXX, Date fraud began:XX/XX/XXXX Total fraudulent amount : {$4800.00}
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I sent a letter off on XX/XX/2022. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financil instutuion is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2023, I received a letter from Citi Fraud Prevention that my Costco Citi card and Citibank checking accounts are being closed. 
The reason given was " Based on recent activity of your regular checking account, we found that you have violated the terms of your account per the client manual. '' No other explanation has been given to me. 
I have not been involved in any fraudulent activity. I have no idea what they are referring to and they refuse to disclose any info. I called the Fraud Dept and they did not disclose any information.
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting my credit report.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank is still lowering and closing accounts with balances. This is creating a major impact on my credit scores. According to the bureaus, Synchrony Bank is the primary culprit in reducing my credit scores. I have never paid them or anyone else late. They keep responding with " their right '' to periodically review scores and make changes and that they don't base it on your history with them. Yet, the only issues that affect the scores they are using to make this determination is being adversely affected by only them! Where is " my right '' to expect that my loyalty and on time payments will not result in unfair and adverse actions on the part of synchrony. If they post another generic " our rights '' reply here, we will be forwarding this to our legal counsel. We are business owners who are required to personally guarantee some of our accounts/ insurances / bonding. This situation with Synchrony and their unfair practices has had a horrible impact on our ability to do so and conduct our business '. LAST CHANCE SYNCHRONY!
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America filed a dispute without requesting information verbally and allowed nearly {$7000.00} to be taken from my account without being retrieved during and after attempts to dispute the claim. And then close my account because Bank of America pulled my credit multiple times Which I also filed a complaint at the branch begging for this dispute to be resolved. They told me I needed to work it out with the merchant who obviously is located in Hawaii and did not respond to emails phone calls and or postal mail. The executive office then called me to perhaps settle and I told them to send me a letter in writing which they never did.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$58.00} ; XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2023-12-09
Product: Credit 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: JPMORGAN CHASE & CO. (GA)

Im the customer of Chase/XXXX credit card. I want to complain to their customer service department and request my refund. 

In XX/XX/2023, I called Chase credit card company to dispute a transaction {$250.00} on XX/XX/2023 about XXXX XXXX XXXX XXXX, as I just booked and stayed one night there on XX/XX/2023, but was charged twice on XX/XX/2023 & XX/XX/2023. Chase started to investigate this issue. But on XX/XX/2023, I got their letter that said they considered the transaction valid and removed the temporary credit issued to my account. They also sent me the proof, which was the two reservations they got from the hotel. Through the two reservations, everyone can see clearly those are totally different two reservations. Different guest name, different reservation # and room number..even different XXXX membership number. 

The next day I contacted their customer service again to complain this judgement. They agreed to reopen this dispute and sent me a letter on XX/XX/2023. 

Then I got their notice by mail on XX/XX/2023 that said they confirmed the transaction was valid. I called back again and complained to a specialist, was told that they would research this issue again and would give me an update within two weeks. 

On XX/XX/2023, my husband and I called their customer service, was told that this transaction was valid because this charge took place too long ago! 

Too long? If their customer service staff had been more responsible after receiving the reservations from the hotel in XXXX and reviewed the proofs carefully, how could this case have been delayed for so long? This is entirely caused by their irresponsibility. 

I am extremely disappointed with their service!!! 
I requested Chase credit card to refund the amount.
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (MI)

I am having an issue with Navy Federal credit Union taking Funds out of my checking account without my permission or notifying me before the funds were removed. I received a refund From XXXX XXXX XXXX  in the amount of {$2900.00} to pay for my other classes, books and supplies need at XXXX XXXX XXXX XXXX XXXX am a dual-enroll student. The money that was taken was my financial aid to pay for upcoming classes at XXXX XXXX XXXX XXXX starting on XX/XX/XXXX, XXXX but the financial aid and student loans that was meant to pay for those classes and books was taken by Navy federal credit union XXXX XX/XX/XXXX. Navy Federal took out {$2200.00} as soon as it hit the account. so I contacted Navy federal about this transaction and told them that the funds was from Financial aid I was then offered {$500.00} returned. then I filled a complaint with the XXXX on XX/XX/XXXX but Navy federal is still refusing to return the funds removed even after being informed that the funds were from a financial aid and student loans package.They have only offered to give me XXXX XXXX.of the funds back. I have contacted XXXX about my account and they have put my amount on hold until XX/XX/XXXX. I would like to get this resolved as quickly as possible so I can focus on my studies.
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2018-10-18
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. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXXXXXX XXXX  XX/XX/XXXX