davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are 2 parts to this complaint. 1 ) After viewing my credit report and credit score through a service that allows me to see all 3 credit bureau information on my credit file I noticed that only Trans Union has old outdated information and does not update the account balances in a timely manner as the other 2 credit bureaus do. The information is outdated and adversely affects my credit score with Trans Union. Which leads me to 2 ) When I attempted to contact Trans Union about this I am directed to do so online. I attempted to contact Trans Union online on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After going through Trans Union 's process of identity verification on their website I am told that I can not submit a dispute online even though I am logged into my Trans Union account that shows all of my personal data. I am being denied access to submitting an online dispute and communication which is what I was requested to do in the first place. I attempted to call Trans Union by phone but I am never able to reach a person, everything is automated and I am never able to speak to someone about resolving my issue. Just the fact that there is no way to speak to a human being should be illegal. I want to be given access to my information on Trans Union 's website and I want to have the ability to submit a dispute online. I also want a phone number that will give me access to a human being that I can speak to about any issues I may have about this subject, and any other concerns that I may have about my credit report and score through Trans Union. I do not have this issue with either XXXX or XXXX.
Consumer complaint received 2022-09-27
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico 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 n 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-19
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: Experian Information Solutions 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (SC)

On XX/XX/2020 I purchased a Vanilla Visa Gift Card from a XXXX store in XXXX, SC. I immediately purchased a pack of mints for {$4.00} ( approximately ) at the same XXXX so that I could create a PIN for the card. I bought it for my XXXX year old daughter to take to XXXX XXXX for a school field trip. I originally added {$130.00} to the card and so there was a little over {$120.00} left on it. My daughter had a friend that also bought one at the same store and within 2 hours the money was gone and she had not used it. I then checked our card and the money was still there. I didn't check the balance again until XX/XX/XXXX and there was only around {$.00} left on the card and we had never made another purchase. I called the company immediately and they told me where the charges were made ( somewhere online but I couldn't understand what the person was saying ). She then told me they would investigate and IF the charges were not ours we may get our money back in 90 days or so. My daughter was at XXXX with no money because we thought we were using a safe way to send money with her! They had horrible customer service and that same day another girl on the trip had that happen to the same Vanilla brand Visa gift card ( bought at a different store ). I have had several people now tell me this happened to them and they never got their money back. There are numerous complaints I have now found online about these gift cards. We just want them to make it right and return our money ASAP!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX and so on
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Chime bank locked my account and took all my money I was getting my XXXX XXXX  and paycheck there in XXXX  and Ive been trying to get my money back for the longest and all they do is ignore me Im on XXXX XXXX and everything and after that day it messed my life up
Consumer complaint received 2017-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX XXXX, I attempted to withdraw money from my checking account at an ATM while I was out of town on vacation. The ATM rejected the transaction due to " Invalid PIN. '' I was concerned by this as I had not changed my PIN, and I was, as I still am, sure that it was being used correctly. I quickly looked into my banking records and did not see any suspicious activity or anything else to make me feel concern about the account status. <P/>I called Wells Fargo phone banking. As part of the identification process, the PIN is required. I was again notified of an invalid PIN. I spoke with a banker to inquire as to when my PIN was last changed or any other information that might help resolve the situation. This information was not available and the phone representative was unable to do anything to help me gain access to my accounts thru an ATM other than requesting a new PIN be mailed to my home address. This was not a timely solution. As a result of my inability to access my funds at an ATM, I used a cash advance service, which charged fees in excess of what I would have paid at an ATM, so I could access my funds in a timely manner. <P/>Once I returned to my home, I visited the my branch location on XXXX XXXX XXXX. I first visited the branch ATM where I was able to access my accounts and make a withdrawal with no issues using the same PIN as the day before. I then spoke to a banker about my concerns and what had happened. She asked me to swipe my ATM card at her station ( desk ) and validate my PIN ; her system notified that an invalid PIN had been entered. ( Please note that the same PIN has been used in all instances referenced here. ) After a number of conversations with different people in the branch and on the phone, the representative and Wells Fargo were thoroughly confused as to what had happened and why my PIN would be accepted in one instance but not another. The best they could tell me is that is was some kind of system glitch occurring and that I would need to reprogram my PIN in order to correct it for future use. <P/>I requested that the excessive fees that I was charged as a result of not being able to access my account at an ATM be refunded as these charges were a result of Wells Fargo " system glitches '' and would not have been incurred had I been able to access my accounts without issue. The total fees incurred as a result of these glitches is {$88.00}. <P/>The branch manager on duty ( XXXX XXXX ) refused to reimburse for these charged fees. In doing so, he cited that the fees originated at a casino and although the Wells Fargo system did not work as it should have, he was unwilling to assist because of what the funds were likely to be used to do based on the location of the withdrawal.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  || Account # : XXXX - XXXX  || Account # : XXXX - XXXX XXXX || Account # : XXXX
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Navy Federal Credit Union XXXX : Card Fraud Prevention Recovery XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX XXXX ] Dear Card Fraud Prevention Division I am writing to dispute charge ( s ) of {$17000.00} to my XXXX XXXX account on XX/XX/XXXX from XXXX XXXX XXXX XXXX transaction date XX/XX/XXXX ( Reference No. XXXX ) and transaction date XX/XX/XXXX ( XXXX XXXX. XXXX ) The charges are an error because I did not rent a vehicle from this merchant since XXXX and any associated fees from my XXXX rental was already charged XXXX XXXX and XXXX XXXX when the vehicle was returned and closed on out XXXX XXXX. 
Somehow this merchant has posted several erroneous charges to my account and upon reaching out to them I was advised that they would review and resolve this matter in which they did not. I have previously disputed these charges and they were reversed and the reasoning was because I had a prior purchase history with this merchant I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I receive an accurate updated statement. 
Enclosed are copies of the rental agreement from this merchant in addition to my XX/XX/XXXX for XXXX XXXX ending in XXXX statement which verifies that their vehicle was returned to them and the incurred charges : ( Review XXXX XXXX statement for XXXX XXXX ending in XXXX [ Transaction date XX/XX/XXXX Reference No. XXXX ] and Transaction date XX/XX/XXXX Reference No. XXXX ] were the ONLY charges that I authorized for this merchant to charge. The attached documentation serves to support my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX Enclosures : XXXX XXXX statement, XX/XX/XXXX XXXX ending in XXXX statement. XXXX XXXX XXXX ending in XXXX statement, and XXXX Rental Agreement.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023
Consumer complaint received 2023-03-10
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. (NY)

Transunion originally removed XXXX  XXXX from my consumer report, now Im seeing that it has been added back on to my consumer report. I was never notified or provided any information on how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY AND ALL REPORTING FROM XXXX XXXX
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent a Notice of Dispute, Cease & Desist, and Debt Validation letter to Bank of America regarding the auto loan on my XXXX XXXX XXXX XXXX on XX/XX/XXXX. The package was sent by certified mail and marked as delivered on XX/XX/XXXX. I gave them 30 days to respond to my letters while still honoring the XXXX XXXX XXXX. They have not responded to my letters and it has now been over 30 days, but have continued to contact me via phone call, email, and mail in an attempt to collect payment regarding this alleged debt. 

I received a letter on XX/XX/XXXX post-dated for XX/XX/XXXX demanding immediate payment within 10 days of the date on the letter along with threats to " exercise the remedies available to Bank of America under the contract or applicable law '' if I did not remit payment. 

At this point they are willfully violating federal laws, my XXXX XXXX XXXX XXXXrder, and causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here are a few federal laws that have been violated thus far : 15 USC 1692D ( 1 ) 15 USC 1692D ( 2 ) 15 USC 1692D ( 5 ) 15 USC 1692F ( 6 ) ( A ) 15 USC 1692G
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA N.A. took adverse action against me by lowering the credit limit on two ( 2 ) business credit cards I have with them without my prior knowledge or consent. They based their decision on unverified information listed on my consumer report which they were not given explicit permission to check. This caliber of discrimination has caused me great anguish as I am unable to handle my financial affairs properly. I have written two letters in regards to this matter as of XX/XX/2023.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with Experian. XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA NA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-05-26
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)

I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

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 2017-07-12
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 — Problem with personal statement of dispute
Company: ERC (TX)

I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.