davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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)

My XXXX reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-11-22
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: Early Warning Services, LLC (NJ)

I have been disputing four seperate accounts with Early Warning Systems since XX/XX/2019. The accounts are XXXX XXXX  XXXX, XXXX & XXXX and XXXX XXXX. I have gotten told to resend the disputes individually by each account and resend and oh we didn ; t get that one dispute. I call and call and call and I get I don't and I don't care to look back in the past to see why we haven't initiated a dispute, or your just not understanding what is coming out of my mouth, or that we do things differently here and you have abide by what are requirements are. I have disputed these accounts as fraud. Sending over to Early Warning Systems are Notarized FTC Affidavit and police report which is supposed to be immediately blocking of the reported information and removal from my consumer report. No thats not what is happening. I am being told to wait 30-45 days until an investigation is completed and it will be and only be removed with the bank tells them too.
Consumer complaint received 2016-04-30
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (AZ)

On XXXX XXXX, I notified XXXX XXXX that a {$100.00} payment had been made to my mother 's closed credit card account. ( I made a mistake in my electronic bill paying system. ) Since she was deceased and I had closed the account upon her passing, they requested a copy of her death certificate and her will showing me as executor. 

That information was faxed on XX/XX/XXXX. ( In subsequent conversations, they confirmed receipt of this information. ) To that fax I also attached a letter clearly and specifically requesting the refund and that the check be made out to me since the estate had been settled in 2013. 

Calls to Customer Service on XX/XX/XXXX and XX/XX/XXXX yield no results -- agents were unable to give me a status and reluctant to allow me to speak to a supervise. 

On XX/XX/XXXX I finally spoke with a supervisor who told me the check had been mailed that week ( approx. XX/XX/XXXX ) but it had been made out to the estate, in direct contradiction of my written request. She told me she would stop payment on the first check and reissue another check correctly made out to me and not the estate. 
I did receive the incorrect check a day or so after this conversation. I destroyed it since payment had been stopped. 

As of today, XX/XX/XXXX, I am still waiting for the correct check. Calls to the credit card issuer are transferred between departments, including closed departments. No one, including supervisors seem motivated or empowered to resolve a long standing credit balance request. 

Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (AL)

I have requested copies of my receipts of payment from a original loan that was taken out with this company and paid off. They stated that they would do so and contact me back .The company could not provide me with this and got upset when I requested them after the branch manager promised them to me within three days. I called they did not have them and forwarded me to corporate. The local store stated that I refinanced a loan with them and I do not recall doing this. All the payments that were made they stated that they have receipt books in a storage and she do not have them after I was told by her she did .The balance on this account reflects more then what the original loan was by greater then 60 %. Also I notice that they increased the balance today by XXXX $ when this is supposed to be a so called closed charge off per them later on XXXX yrs later I have a new loan with them and a balance when I know I initially paid them off in full. and also I was not given my original contract or so called refinanced contract when I asked. Every month they are still reporting that I owe them as a open account and increasing the balance and placed this item on my credit report that I am requesting to be removed.
Consumer complaint received 2021-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXXr and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a dispute to TransUnion about XXXX accounts that were open as result of identity theft. Those accounts are : XXXX ( # XXXX, Total Amount Obtained : {$2300.00}, Opened : XXXX ) and XXXX  (. # XXXX, Total Amount Obtained : {$1100.00}, Opened : XXXX ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. TransUnion didn't answer my dispute or blocked the accounts are they are required pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt.
Consumer complaint received 2021-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-19
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. (TX)

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Consumer complaint received 2022-05-23
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. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2021-11-19
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, Experian and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-11-19
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. (TX)

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXXIt shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

I submitted a compliant to the XXXX, Equifax and XXXX Bureau regarding the different variation of my name, old phone numbers, old addresses and old employer removed from my credit report. However they have added old address to my report. My request was received by the bureau on XX/XX/XXXX & XX/XX/XXXX, I also submitted prove of my address and legal name and they have not removed the variations of my name, the old address or old employer from my report. I have attached my SSN proof of my address and phone number.
Consumer complaint received 2022-05-23
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: Paramount GR Holdings, LLC (CA)

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for and purpose. 

late payment was for XXXX 2021, according to company. There is a 4-month grace period for no late payments
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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 2021-11-20
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: Experian Information Solutions Inc. (FL)

I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by XXXX XXXX. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

Requested refund for student loans a month ago, my request was not turned in properly. They have no record of the request. 
My balance remains the same and the refund has not been processed to my account yet.
Consumer complaint received 2022-05-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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 2021-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

in XX/XX/XXXX i bought 2 new tv 's from best buy i knew i would pay the balance when the card came in.i paid the card off in XXXX but noticed a charge for XXXX put there buy best buy .... not myself so i paid the balance of 3800.00 ( approx ) off less the charge that was added buy them. closed the card as it really disturbed me that they added this with out my say so they kept billing me and adding fees so i went ahead and paid the XXXX just to end there game they are still adding fees and sending me bills for a card that is no longer open the current balance is XXXX and they have been paid i am also disputing this with all of the credit agencies I am currently XXXX credit rating best buy i believe is way out of line with this
Consumer complaint received 2021-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have been through it with this company. On XX/XX/XXXX I got an alert to my phone that advised fraudulent activity. On XXXX Bluebirds rep advised I would have my card within XXXX business days. WELP, here we are XX/XX/XXXX evening time and still no card. To add a few insults to injury, Ive talked to 12 reps and 1 supervisor " XXXX '' who is off shore and lacks empathy or customer service skills. These genius 's not only did not send me a card but messed up my address so my employer advised the direct deposit rejected. Not only until I called ( after many attempts and having to have my sister use her account info and call on XXXX way to get a rep ) they claimed there was an issue with my address being formatted and its been corrected... Still no debit card!! I have called every day 3-4 times a day since then. These reps tell me oh your card wasnt sent until the 12 then another says oh no no no it was mailed on the XXXX. The biggest slap in my face is 4 days ago a rep had the nerve to tell me they could only expedite my card if I FOOTED the {$25.00} bill to send it. After multiple reps overlooked that my address wasnt formatted ( Their verbiage ). Oh theres more! I get the so called supervisor XXXX from off shore who continued to talk over me, repeatedly advised My card was sent on XXXX then XX/XX/XXXX like the other reps. He not only gave misinformation but he submitted for me to get a withdrawl check by MAIL. I didnt ask for that!! Now Im calling to prevent them from issuing me a check because there is no way I trust these people with sending a check when Ive been waiting on a card for almost 21 days. They tell me to call today and get a stop payment on the check. The first guy says, after leaving me on hold for XXXX minutes, oh their systems are down you have to " call back in a few hours ''! The second guy says oh let me call that department, comes back to the phone saying oh we already sent the check itll be to you in XXXX business days. I STILL maintain my composure after he mutes me and I ask for a supervisor ( XXXX was his name ) Mutes for another XXXX seconds and sends me to another genious who is a supoosed supervisor who puts me on hold 3 times only to do like the last XXXX reps and tells me to call back Monday to make sure the check doesnt get mailed! WHAT! Are you kidding me! The first rep told me she put a stop pay on the check and to call back XX/XX/XXXX if its not posted back to my balance! Meanwhile, I still dont have a card! They keep lying saying they sent me a card and they havent! They have the card and my money! I have called so many times I have gotten the rep XXXX 3 times! The same guy! What are the odds of that in a call center. Just expedite the card and right your wrongs!
Consumer complaint received 2021-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a victim of identity theft and I am sending this notice on my own free will. Attached is two files which is an completed FTC ( identity theft report ) and files containing personal identifiable information and additional facts of identity theft. Please see to it that this information is blocked and deleted pursuant to XXXX XXXX XXXX within 4 days. In addition to blocking this information im am requesting full file disclosure of my credit file pursuant to XXXX XXXX XXXX ( g ) XXXX usc XXXX ( a ) and XXXX usc XXXX of the fair credit reporting act.
Consumer complaint received 2019-11-22
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 (MO)

Booked 5 hotel rooms at a XXXX XXXX in XXXX NJ using my debit card to reserve the room. When we arrived to check in, we told them to not charge my card and use a different persons card for the rooms. When all was said and done, the company charged the other persons card for all 5 rooms, but then also charged one room to my card. I submitted a claim with my bank and apparently the bank statement from the other person showing that they were charged for 5 rooms wasn't enough documentation for them to refund my money and my bank is denying my claim. I have documentation to provide proof of all of this.