davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 
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 2021-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent TransUnion a dispute ( which is enclosed in this complaint ) TransUnion responded on XX/XX/XXXX with this the following investigation response ( file number XXXX ) this response did not address the in accurate, incorrect information that I disputed with the department of education nor did they properly address the unauthorized inquiries which is one of the several violations of FCRA I am complaining about. TransUnion fail to investigate the inquiries places on my credit report and told the they were allowed to pull my credit and to instead twrite the company if I had questions to which transunion themselves have a duty to investigate.
Consumer complaint received 2024-01-10
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I paid my XX/XX/XXXX mortgage online and they provided one confirmation response and then several days later I get a surprise they had double charged me. I called and was told that it was my fault for paying twice, which is not what happened. I was only paying XX/XX/XXXX and Not paying for XX/XX/XXXX yet! I called my bank and they said I'd have to wait for the second ach to fail and then request reversal as they could not do anything. Over the weekend my bank had removed the problem double payment and did not charge me. They sent me an email that the second payment overcharge was {$0.00}. I thought the issue was resolved. Today when I checked my bank they had a new ach from Suntrust/aka Truist. I called and spoke to several people who tried to explain my choices. I ask several times for the complaint department after Truist staff confirmed I had an outstanding complaint and after waiting a long time they said they were going to forward me to the appropriate person to handle this matter. It went directly to a person 's voicemail, which I left a detailed message that I plan on sending in my complaint to the SEC and XXXX  and others. 

Today Suntrust/Truist has once again tried to take funds out of my checking account via ACH. I will pay my XX/XX/XXXX mortgage payment in XXXX XXXX This is not an autopay issue it's a problem with Truist Bank XXXX This never happened with Suntrust.
Consumer complaint received 2024-02-28
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. (NC)

The ExperianXXXX Credit Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 5. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

6. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (FL)

I would like to follow up on the status of the accounts listed below, which are reported by XXXX XXXX Experian XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you may be aware, most of these accounts have already been deleted from Experian 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as Experian. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from Experian 's records.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (OH)

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 2023-09-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I've tried to use this digital prepaid card on XXXX, XXXX, XXXX, XXXX and none of them will process the order. They keep saying that the card company has declined and to check my funds. The card had {$26.00} on it, and there are now XXXX {$.00} pending transactions from XXXX ( maybe authorizations from adding it to XXXX XXXX? ). Those are the only transactions I can get to process and I don't even know where they came from. Even if I try to spend only {$20.00} of the funds, the card is still declined. I just want my {$26.00} reward from XXXX to be accessible. It was supposed to be a visa, but I got stuck with this sucky amex.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Three letters disputing inquiries as not mine. At no time have a written or visual authorization been submitted by me. This is illegal.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IL)

Collection agency Helvey & Associate in XXXX XXXX XXXX XXXX XXXX, in XXXX ph XXXX XXXX Has reported a debt under my name with a different address and phone that belongs to somebody else in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Phone number XXXX These peop! e took my identity please help me find out and take action ....
Consumer complaint received 2023-03-10
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: AMERICAN EXPRESS COMPANY (TX)

In according with the Fair Credit Reporting Act, AMEX # XXXX has violated my rights. 

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A consumer may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX 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  FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-10
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: WELLS FARGO & COMPANY (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2018-06-01
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. (LA)

the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (IL)

I signed up to Wise.com - I needed to transfer {$8200.00} to XXXX to pay a shipping company importing my household furnishings there. I submitted all the identity documents they requested ; I verified my bank account via their system and proceeded to make the money wire. I received a XXXX XXXX request to send more information : Why I needed to send these funds and who was the person I was sending these to. I guess I did not answer soon enough, and the account was closed. I saw the information request on my phone a XXXXXXXX XXXX, it was sent at XXXX XXXX. 

I sent an email with the information they requested at XXXX XXXX ( approx. ). 

I called their customer service and they said they could provide no information. 

I sent an Appeal email, but it can take up to 20 days. 

There is no basis for this action, all my personal data is legally compliant, verifiable and was shared with them. 
My credit score is almost perfect and my relationship with my bank is more than 25 years old. 

The only explanation is my XXXX name and my XXXX destination ( I am a bi-national, XXXX ) XXXX 

I feel I was typecast and discriminated against in the middle of the night and given no explanation or resource to appeal other than this open ended " send us an email and we will respond someday ''. 

If they are suspecting me of being a narco or money launderer because of my ethnicity they need to present their facts to back up their suspicions and give me an opportunity to respond. 

This is blatant XXXX discrimination unless explained in some other way. and if so, why can't I respond to whatever questions they have? 



XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OH)

I am unsure of the first date I called but it was in XX/XX/XXXX. I had called because it said I missed a payment despite autopay being on and having money in my account. They had said my account closed to which I corrected the information with them and they said that the problem was resolved and the autopay was fixed. Today XX/XX/XXXX I called because they closed my account due to dishonorable payment history and when I explained the situation they told my wife that the account will remain closed and they apologize for the inconvenience. This is not how autopay works and this is not honorable business seeing as how the issue was date of payment and their system is flawed. The representative on XX/XX/XXXX even admitted that her coworker on the previous call mishandled my account and didnt set it up the way he had described.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

Since I been with Ally Financial I have tried to lower the payments and the late fees are over $ XXXX {$200.00} dollars. Recently I lost a job but borrowed money to pay 3 months payment. They said that once I got caught up I was eligible to put 2 payments at the end of the loan term. I called after making the 3 month payment and they said I was not eligible to put 2 payments at the end of term. Ask to speak with a manager who said the same thing. There is no help from these cruel people who lie about helping people keep their car in difficult times. No help with reduced payments as well. I have never had any financial organization that treats the consumers this way.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.