davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX 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 XXXX. 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 XXXX  n cant provide to my XXXX XXXXr old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (MI)

****STOLEN IDENTITY**** I take Pride in keeping my accounts in good standing and keeping my credit in good standing and i will NOT allow anyone or any company to damage my credit score. At least a week ago when i found out that my identity was stolen i was advised to contact the Merchants i do business with to close any accounts and cards i have. I contacted Avant Credit Card Company and advised them that i was informed by XXXX XXXX Bank that my identity was stolen and someone had opened a bank account at XXXX XXXX Bank. Instead of Avant closing the card and closing the account and sending me a new card like the Bank and other Merchants did they left the card and the account open putting my identity in more danger because i have no idea who may have my identity or what information they may have. On XXXX i received an alert that someone tried to make a transaction using one of my cards. I alsp received an alert from XXXX that Avant had reported my account as 30 days past due which was a LIE. The person i spoke to XXXX  then told me there was never a fraud alert put on my account. They accused me of lying about my identity being stolen then told me to send in who stole my identity. If i knew that i wouldn't be reporting my identity as stolen snd CLEARLY they don't know what STOLEN mean. I had no problem with the Banks or any Merchant i called put me thru XXXX or accuse me of stealing my own identity which is ridiculous. Avant is more worried about old transactions that i made months ago then someone stealing my identity. 


I also made 2 payments which i've included that Avant still wouldn't update my account to a current status. I also included a screenshot from my credit bureau account.
Consumer complaint received 2024-03-11
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)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY 14 POINTS EACH MONTH.
Consumer complaint received 2023-05-02
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: Block, Inc. (NJ)

On XX/XX/20 two atm withdrawals were made out of state for {$45.00} each ( {$91.00} total ), several other attempts were made but there were not enough funds to complete. Prior to this I reported my card lost as other fraudulent transitions were attempted. The card was also locked at the time while I was awaiting a new card.
Consumer complaint received 2024-03-11
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)

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible BankruptcyXXXX XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues to inaccurately display employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. After last dispute they sent out the same letter they have sent to me the last 3 times stating that my dispute was illegible and needs to be typed or the don't understand my dispute. That makes no sense. The dispute was typed and mailed in, so how can it be illegible. I have included a copy of dispute as well as the last 2 letters Transunion sent me. Make sure to look at dates they are the same letter with different dates. I also included a current pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how the verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I first wrote to the Trans Union on XXXX about my name and it being reported wrong on my credit report as well as names not belonging to me, for instance, my wife 's name on my credit report and sent them my license as well as my social security card and also my utility bill showing my address I have lived at for the last 22 years all of which was sent certified mail and had documents also notarized. 

they still did n't get the information correct as I had to send another certified mail on XXXX with the same information as the last time license, ss card, utility bill and notarized documents and when I pulled my credit report I still show my wife 's name which is XXXX XXXX XXXX ( maiden ) XXXX. 


XXXX XXXX XXXX this name is wrong and needs to be corrected XXXX  XXXX XXXX this name is wrong and needs to be corrected XXXX, XXXX this name is wrong and needs to be corrected XXXX, XXXX, XXXX this name is wrong and needs to be corrected my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, Hawaii XXXX All other versions are incorrect and by law must be removed as per the FCRA since they are inaccurate.
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX CapitalOne Bank Prepaid Personal Credit Cards To whom it concerns : I have just received a Statement from Capitalize by mail. This statement dated XXXX XXXX XXXX regarding XXXX XXXX account for account holder XXXX XXXX XXXX ending in XXXX. 
This statement reflects charges you placed on the account after this account was paid in full and closed by the myself, XXXX XXXX XXXX ( account holder of record ) by phone on XXXX XXXX XXXX. There is record of this conversation. 

Your information on statement with billing cycle XXXX XXXX XXXX - XXXX XXXX XXXX is wrong. 
All provisions were taken at the time the phone call was made to your billing dept. on XXXX XXXX XXXX to insure all information was up to date and any and all charges were paid in full. 
You have kept the account open. You have added charges. You have billed for transactions you placed on this account well after it had been closed by the card holder. 

All of these actions on your part are illegal. These charges are not the responsibility of the card holder and will not be paid. 
Attempts contact you online have failed. Your company has fail safes in place that prevent the card holder from accessing any and all online resolution services and complaint procedures, as the account is listed as currently " suspended '' rather than closed. 
This is a violation of what was requested by myself ( the card holder ) You are to cease and desist any activity on this account. No interest charges or fees are to be added onto this account. No negative credit reporting due to your questionable billing practicing will be tolerated.

Further, complaints have been filed against you with The Federal Trade Commission, Better Business Bureau, and The Consumer Financial Protection Bureau. 

It is expected you will ignore this correspondence due to past experience attempting to communicate with your Company. I advise that you do not. 
Action will be taken against you if you do not clear these fraudulent charges from the account and process the card holders previous request to Close this account. 

I await your reply XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 2019-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I was directed by the office of the Comptroller of the currency to file a claim with your department the case that was with that office # XXXX. 

To whom it may concern my account was closed back in XX/XX/2019 with Wells Fargo bank. On XX/XX/2019 a refund went via my old debit card with Wells Fargo for {$2500.00} from merchant XXXX I informed the merchant that no longer had a account with Wells Fargo I was instructed the payment had to go back to that card. At the time I contact Wells Fargo multiple times XX/XX/XXXX to XX/XX/2019 in the beginning Wells Fargo informed me anytime the account is closed more than 30 days anything trying to come in or out of the account will be blocked. On XX/XX/2019 the payment came in Wells Fargo fraud department and was blocked on XX/XX/2019 it was picked up by Wells Fargo collections department. At the time of closure in XX/XX/2019 there were a few claims that I open regarding the negative balance with Wells Fargo I never received the proper resolution pertaining to those claims so they were re-open. I received a letter dated XX/XX/2019 Dear XXXX XXXX, we completed our research of the Inquiry about charges of {$2500.00} on your account. Based on the information available to us we have to determined the transaction was authorized or that a processing error did not occur. Please consider claim close. 
Their decision is Vague and untrue. It not Concerning Charges it base on a merchant refund to a close account.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

I am having a dispute with Discover over a payment protection that was not authorized. From I have seen on the internet they have been made to give refunds to many people. The only gave me a year and I wa n't them to refund everything they charged without my consent. It would probably be about another {$5.00}. Can you handle a dispute with a credit card company? If so what would be the fee? 

XXXX XXXX
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (KS)

n order was placed on XX/XX/XXXX for XXXX to XXXX plus funds were withdrawn immediately and sent to XXXX, a month later XX/XX/XXXX, we got a notification that the order payment had " updated ''. Another XXXX was removed from my balance, we called cash app who admitted to being able to see the charge for {$1700.00}, at first they said that due to a system glitch in which funds were wrongfully refunded, which I would accept, but {$1700.00} was missing from my account in total. I argued against it and was told to contact the merchant ( XXXX ) as they authorized the payment. XXXX billing department does not see the charge for {$1700.00}, they see the transaction that poated originally on the XXXX, as expected. I can not see the charge in my transaction history, either. Cash app is the only one able to see the charge and they refuse to provide photographic eveidence of said charge so that i can dispute it with them. i have been talked down to, hung up on and had lots of calls transfered but nobody can provide a single thing i'm asking for, they are withholding my financial statements/history, ad money that is rightfully mine. CashApp has made such a mess of this situation, that the charge appears on my side, in my transaction history, 31 times, yet I am unable to see the original charge of the order for {$1700.00}. I have documentation and record of the original order price, as well as record of a cashapp employee explaining the {$1700.00} dollar charge taking place across 3 seperate dates on and between XXXX XXXX XXXX, as well as that same employee admitting there was no refund in the same statement as the breakdown of the charge.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-06-18
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. (FL)

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc (CA)

I was in collection with XXXX XXXX XXXX XXXX ( now know as XXXX XXXX ) in XXXX. This debt of XXXX was sent to the collection agency know as The Best Service company. When they called me to pay it in XXXX I paid the amount of XXXX on XX/XX/XXXX. Which is XXXX cents shorts of what they were suppose to tell me to pay. This is not my fault and I have a paid in full letter from the Best Service Company. How I found this out was I was refinancing my car loan in XXXX and they said I had a collection amount with XXXX XXXX still. I called XXXX XXXX and they said that there was XXXX cents still owed. They just credited the account at that time which still now shows I was in collections for four years. I called the Best Service Company who owned the debt and asked what went wrong. They admitted over the phone to me that they told me the wrong amount but still sent me a paid in full letter. I asked them to admit their wrongdoing on paper so I can dispute it and they wouldn't. I disputed this with each credit bureau and it doesn't look to me like they did it right. XXXX says last payment made on this account was XXXX of XXXX when they credited the XXXX cents. ( even though I paid this in XXXX ). Both companies were in the wrong because The best Service Company wont admit on paper that they were wrong and XXXX XXXX did not let me know that there was still a XXXX cents balanced. This means that I have looked delinquent to banks and other creditors for fours years over this XXXX cents that wasn't my fault. This is not fair to me and I do not know how to get this removed from my report.