davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (MI)

Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.
Consumer complaint received 2024-01-29
Product: Credit reporting 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. (GA)

I havent did anything on my credit report in over 10 years do to XXXX some one has been using my name etc trying to get cards an purchase things some stuff have actually been obtained by them now I have debts an hard inquiries thats not me I notified some of the companies with no answer or actions on any level
Consumer complaint received 2022-07-27
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. (MD)

In accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-09-09
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. (TN)

XXXX  ; Experian and XXXX  are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2019-09-09
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. (TN)

XXXX  ; XXXX  and Transunion are incorrectly reporting a charge-off collection in the amount of {$16000.00} on the XXXX XXXX/XXXX/XXXX   XXXX XXXX - account number XXXX. ( Please see page attached from my credit report. ) Per agreement from XXXX XXXX XXXX, the vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2021-03-05
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. (MD)

I am distressed that they have included the negative information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

EQUIFAX Collection Account XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} XXXX Charge-Off Account XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$4500.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Account US DEPT ED Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2019-09-09
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

In XX/XX/2019 I received a text from HSBC asking was I trying to charge XXXX at a grocery store. I was not and texted no. I received a text back to contact the fraud department. I contacted them and the filed a fraud report. They person on the phone told me I would receive a form to complete in the mail. I received the fraud affidavit form and returned to to HSBC. I heard nothing back from HSBC. In XX/XX/XXXX I noticed my HSBC card had a balance on XXXX XXXX and contacted HSBC. My account had a XXXX   balance. I never use this credit card. HSBC wrote me back and said the fraudulent charges had been removed and I was not responsible for them. I asked over the phone should I file a police report. I was told I should not. In XX/XX/XXXX I started getting collection calls from HSBC for the fraudulent charges. They referred me back to fraud department. I was told to file a police report and I did and gave them the report number. a month later I started receiving collection calls again. A few weeks later the HSBC collector refereed me to the fraud department and they requested a copy of the police report. I provided the report and they said I would hear from them in 10 days. That was XX/XX/XXXX. I have never gotten anything in writing about the fraud claim. After I spoke to collections I was told from that department that the fraud claim was denied. I asked the fraud department why the fraud claim was denied and why I had never gotten anything in writing as credit card companies are required. They did not answer my questions. All of the charges were made on the same I a received the text. I have never used this card in a store on online.
Consumer complaint received 2019-09-09
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. (TN)

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND EXPERIAN CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2019-09-09
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. (TN)

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR THE CREDIT BUREAUS TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK (NY)

Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX,, 2024 I was setting up to replace my hearing aids at Hear Again where I had previously purchased them over three years ago. These were a lot more expensive and my audiologist suggested applying for the XXXX XXXX XXXXXXXX XXXX XXXX which was listed on the purchase agreement as one of the forms of payment other than cash, check, or credit card. 
I did apply, however, several hours later received a call from my audiologist to contact Wells Fargo about a problem approving it. In the several weeks following, I have called and received calls from them without any explanation other than being told they could not " identify me ''. The last phone call on XX/XX/XXXX, as well as the e-mail yesterday, were from XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, ext XXXX. 
The e-mail indicates the reason : " unable to authenticate identity of applicant ''. It also indicates my XXXX XXXX at XXXX and yet they indicate " No factors are available '' negatively affecting my XXXX XXXX. 
I have sent for a hard copy of the XXXX report ( XXXX pages ). This is upsetting to me and I want to understand what was WElls Fargo reason for the denial.
Consumer complaint received 2019-09-09
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Experian free credit report - was told to get a free report from Experian when looking for a place to rent. They have been charging my credit card {$21.00} every month for the past year without my consent or knowledge. I can not get anyone on the phone to cancel. Went to their website and find no where to cancel. Credit card company actually called me to ask me about possible fraudulent charges on my account and this is how I found out! I have a hold on my credit card so Experian can not make any future charges. I still want to cancel and get my money back
Consumer complaint received 2020-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, XXXX  AND TRANSUNION HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

XXXX XXXX 2019 we requested WELLS FARGO MORTGAGE help guide us to the steps for the removal of the PMI due to a recent assessment our county performed .... of which we discovered we were well over our original market price and qualified for the removal of this insurance ... so we contacted WELLS FARGO MORTGAGE they informed us everything looked perfect for us to move forward with the process ... we were advised to make a mortgage payment so we could avoid any other unnecessary obstacles ... so in good faith we immediately made the mortgage payment and the young lady told us she ordered the package to me mailed to us ... only to discover the letter informed us we didnt qualify so we called WELLS FARGO MORTGAGE to inquire about the letter only to have the young lady to say the mortgage payment was finally updated and she would resend the letter ... only to discover the same letter!!! We called WELLS FARGO MORTGAGE AGAIN!! To have someone else to inform us we had late payments and didnt qualify to have the PMI REMOVED!! Fast forward to today XX/XX/19 and we received another letter informing us that we will not automatically qualify for the removal of the PMI .... WELLS FARGO MORTGAGE is a TERRIBLE MORTGAGE COMPANY!! They DO NOT WANT TO REMOVE THE PMI!! They will lie!! Have you to pay extra and still find tactics to deny your request
Consumer complaint received 2019-09-09
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. (MO)

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX CARD account number XXXX and the XXXX CARD account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AES/PHEAA (CA)

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-27
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. (MD)

XXXX XXXX  is reporting a late payment on my report for @ XXXX XXXX? XXXX, however I have not incured Any late payments on Any accounts within the past year or so. When I contacted XXXX about this the were not able to provide me with any open account that incured any recent late payment. Howbeit, they are reporting a recent late oayment on my account which is totally incorrect and caused my score to drop significantly. I verified with all of my reporting accounts and none of them justified any late payments as claimed. Can you please resolve this error. Thank you.
Consumer complaint received 2021-07-15
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I called Banana Republic ( BR ) to dispute charges to my credit card, as a person called and stated they needed to help me resolve fraudulent charges. A caller had me download an app and was able to access my phone to make charges from my credit card. After an hour, I contacted XXXX and XXXX  as well as BR about the charges. XXXX  has removed the charges as they found I was not responsible, XXXX XXXX the cards that were purchased so no purchases could be made. I have contacted BR multiple time and am currently in a second dispute. On XX/XX/XXXX I contacted XXXX out of the XXXX  XXXX office ; she stated I will receive a email in a few days, and looks as if charges will be removed. On XX/XX/XXXX I contacted customer services ; XXXX stated her needed to redispute, as there was no record of the dispute. XX/XX/XXXX, I spoke with XXXX, who sent a request to dispute Dept regarding the status. On XX/XX/XXXX, XXXX stated he need to make the dispute 2 separate charges because it was initially done as one charge. On XX/XX/XXXX, XXXX needed proof of charges made to bank account ; I sent proof. I received 4 letters since asking for examples of proof of payment that charges were made on a different card. I have stated to 3 separate people that they were not made on a different card, but that XXXX  and XXXX are the XXXX companies that resolved the dispute and XXXX made the cards purchased unusable. On XX/XX/XXXX, XXXX asked me to dispute again. On XX/XX/XXXX I contacted BR to make sure they received my fax. On XX/XX/XXXX I contacted BR because I was receiving notices to pay my bill, was is when I found out that I had to re-dispute the charges again.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

Called XXXX to pay debt from paypal credit, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called Synchrony bank who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my paypal credit, they would not send me a letter confirming that they can not find an account for me or anything.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (VA)

This time I did not call the bank until I reported it this morning via telephone and now reluctantly Im turning it in over unstable internet. But I have to get it turned in because I was charged fees twice this month have spoken to them multiple times and there should be stable interactions that can be pulled by your office ; I actually told the person for your services what happened but Im reporting via this way because that was informal communication ; not only was fees charged XX/XX/XXXX XXXX 2022 normally I call them they were charged XX/XX/XXXX XXXX 2022. Not this time! Im tired of them not protecting my account from illegal transactions even when the account is locked ; there has been multiple situations where I should have been referred for help to sue the businesses that were involved ; one was XXXX XXXX. That actually swiped the account 6 times in a few days time ; I called and due to it being me I feel they did not help ; Im not calling them n the account being in overdraft XXXX XXXX theyd have their money if they hadnt illegally took fees that were not owed ; I will not be using this bank account anymore thanks XXXX XXXX  was allowed to swipe the account even as it was locked no one can figure out how ; I never gave XXXX the router or bank account number only the card so it could be locked if there was a problem with their service and yes there was a problem ; none the less theres multiple illegal issues going on and talking to them doing fix the issues it continues
Consumer complaint received 2022-07-27
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. (MD)

I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (CA)

Called ARS to pay debt from XXXX XXXX, last communication was with them in XX/XX/2020. While speaking to them they said they did not have record of my debt and could not find who they sold the debt to. They were unwilling to investigate or help at all and just keep saying we do not have or have ever had an account, im literally reading them their letter and account number, and I have no idea where to go from here as they should by law have the information of who bought the debt from them. 

I then called XXXX XXXX  who also could not find i ever had an account with them even though i know i have since they are listed on the debt collection letter as original creditor for my XXXX XXXX, they would not send me a letter confirming that they can not find an account for me or anything.