davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I dispute few accounts of my credit report and equifax keeps denying it over and over and playing games with me i want to dispute the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTED AS IDENTITY THEFT FRAUD EQUIFAX DENYING IT ON PURPOSE AND REFUSE TO REMOVE THESE ACCOUNTS
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: EQUIFAX, INC. (GA)

Ive been in contact Equifax, XXXX and XXXX in hopes of getting XXXX XXXX accounts removed from my credit report, these accounts belong to someone else that live in my household that has a similar name as well as similar phone number and the continue to say they have verified them as being mine and refuse to submit how and wh they verify the information with Ive just received a letter from Equifax where they are refusing to remove or even reinvestigate
Consumer complaint received 2023-10-02
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Acct # XXXXXXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2018 I REPORTED {$470.00} transactions UNAUTHORIZED. USAA POLICY ADVERTISED PROMOTED IS ZERO FRAUD LIABLITY. WHY IS USAA LEGALLY ALLOWED TO DECEPTIVELY HIDE ALL ( PERMANET FRAUD CREDITS?? APPLYING TO ACCOUNT INTERNALLY?? ) ** showing only temporary credits XXXX DECEIVING?? CONSUMERS INTO BELIEVING TWO CREDITS APPLIED?? FOR ONE PURCHASE AND THEN ** REVERSING MERCHANTS CREDITS?? WHEN temporary credits were never applied not made permanet????
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C. (GA)

After reviewing my report, I noticed that this account is still on there, and it was supposed to be deleted. I further notice that the information that is reporting on there is incorrect and not accurate at all. 

Also the amount reporting is incorrect. 
The dates are all wrong. 

I have also noticed that it states that the company claimed this as a loss of assets which means they receive compensation for it and now its trying to make me pay again to receive double compensation which means this is a fraudulent claim.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and provide me with the documents with the original signatures for the numerous fraudulent, unauthorized inquiries that are reporting on my consumer credit reports/files.
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. (CA)

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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}
Consumer complaint received 2022-11-25
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the XXXX days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-04-13
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. (PA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Experian Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Experian Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Experian Report Number XXXX XXXX Under ALSO KNOWN AS XXXX XXXX - In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX In -accurate Experian refused to Delete, Failed to clearly and accurately report my name I XXXX XXXX In -accurate Experian refused to Delete , Failed to clearly and accurately report my name Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete, Failed to clearly and accurately report my name XXXX XXXX XXXX XXXX XXXX XXXX In -accurate - Experian refused to Delete XXXX Failed to clearly and accurately report my name Experian response to my phone and email disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors. 

****Please Remove this Inaccurate information as being in Dispute from my credit report Immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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: Block, Inc. (VA)

XXXX XXXXXXXX  {$50.00}, {$20.00} transfer into cash app.minus XXXX Unauthorized charges. XXXX for {$19.00} XXXX for {$49.00} Disputed, {$19.00} + {$8.00} XXXX returned and withdrawn on XXXXXXXX. XX/XX/XXXX, my daughter transfers {$30.00} to my cash app. I go to XXXX XXXX to use it and both {$7.00} charges trying to get cigarettes declined+ {$5.00} XXXX XXXX/ @ XXXX XXXX. Also declined was a charge for {$29.00} @ XXXX XXXX I did not make, It was thankfully declined because I only got {$29.00}, after fee. I messaged cash app ever since. Can not get my {$30.00}. XXXXXXXX, {$4.00} from XXXX declined. XXXX XXXX, I received {$20.00} to help pay for gas. I only was able to use $ XXXXI am missing {$30.00}, {$4.00} and {$16.00} since XXXX. I was just credited the {$49.00} from XXXX On XXXX XXXXLooking on my statement there is another charge from XXXX for {$49.00}, that I did not do on XX/XX/XXXX on my statement, but not on my feed. W/ same ID : XXXX. Statement does not show all of my declined transactions.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

XXXX downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

Description of the problem : On XX/XX/23, I made my first payment to Mohela. The payment was failed, nothing showed up in my bank account nor Mohela account. 
On XX/XX/23, I made my second payment to Mohela. My bank account showed me a successful transaction, while it showed nothing on my Mohela account. I called Mohela, they told me they the payment was not success. They couldn't find my bank account based on the information I input. They also suggested me using a saving account to make a payment, instead on a checking account. At this point, I though this might be a system issue. So I called my bank, to see if there are anything they can do to help me get the money back. My bank said Mohela already took the money, there is nothing they can do to take the money back beside filing a claim. So I file a claim about Mohela not putting my money to a correct account, and I got a credit on my checking account. 
On XX/XX/23, I made my 3rd payment. This time, I followed what the Mohela staff told me, I use a saving account for the payment. Same thing happened, my bank showed the transaction was completed, while my Mohela app show nothing, and I couldn't find any of my payments history on my account. 
Now, my requests are : 1. How can Mohela fix the problem in their end? I can make the payments as many times as possible, but if none of my payments go to my student loan, there is no point of me doing this. 
2. Since Mohela claim they did not received the money, how can I get my money back? ( The transaction on XX/XX/23 ) 3. If, in the worst case scenario, the problem got fixed after my payment is due, can I not paying the interest for that part? Since it wasn't my problem, it was Mohela 's problem on not putting my payment in a correct account.
Consumer complaint received 2023-04-20
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. (TX)

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 ITEMS. 


XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; 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 2023-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (NM)

I live in NM 5 charges of XXXX for a store in XXXX was made 1 minute apart. I have never been to XXXX. I didn't go there shopping. My account is with credit karma. I filed a dispute the same day. The next day this same business tried to take our XXXX 5 times but I had stopped the card. Credit karma said they investigated it and couldn't resolve it so no credit back to my account. Even through it wasn't me.
Consumer complaint received 2023-10-02
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

I purchased a gold coin through XXXX XXXX  and did not recieve the coin.I used paypal mastercard and opened a dispute with them.I sent them the pictures of the empty boxes and police report.They sent me a letter last week stating they have approved the dispute in my favor and have credited my account in the amount of {$2100.00}. I did not see the money being credited to my account, so i called them to day and was informed that no credit has been issued and that letter was issued because of a technical glitch. 
I have sent them the pictures of the tampered box which was used to send the gold  coin and the police report multiple times to them and they deny that they have received it.I spoke to a supervisor by the name of XXXX and she says that she can not see any documents sent over by me. The letter from last week said that after revieweing the evidence they are issuing the credit.The credit company is giving me various conflicting responses.