davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (TX)

I contacted Tranunion XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move. After Transunion received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Transunion responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life. They made no effort to contact me within the 4 business days required in effort to block the fraudulent information being reported and its preventing me from moving into an apartment home. Ive attached Tranunions responses and have the full transcripts via the XXXX XXXX XXXX XXXX ID # XXXX. The complaint was closed as resolved but there was not an actual resolution. The fraudulent items still remain there and at this point transunion is in direct violation of the law.
Consumer complaint received 2022-07-26
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. (PA)

THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND ALL CREDIT BUREAUS.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/22 I was making a {$1400.00} purchase at XXXX XXXX I was " sold '' on opening a store credit card as I would receive a 10 % discount on my first purchase and would receive an additional 5 % in coupons mailed to me afterwards. I have a credit score of over 800 and available credit of over $ 100k but was only given a {$400.00} credit limit. When I called the customer service this morning, I was told that it was a temporary credit limit and I would know my true limit after XX/XX/22. This was not stated when I agreed to apply for the card. This was complete deception! I have no need of another credit card but was enticed into applying but the promise of discount of over {$200.00}. This company is intentionally giving a low " temporary '' limit in order to keep their " first purchase only of 10 % '' low. Complete fraud!
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MA)

I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.
Consumer complaint received 2018-11-04
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. (MA)

1. XXXX Agreed that there was a XXXX balance due on a land line. 
2. XXXX is reporting a charge off with a XXXX balance which is impossible. 

Trans-union is the credit reporting agency that is reporting a XXXX   balance as a charge off. 
Trans-union will not allow the account to be disputed on line. 
Trans-union has few or no staff available to file a dispute by phone. 
Tans-union is requesting items not in my possession, making it impossible to dispute by mail.
Consumer complaint received 2017-07-05
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

Dear Blackhawk Network ( BHN ) : After finding out my gift card 's entire balance of {$500.00} was fraudulently / unauthorized used about 1 or 2 days after the activation, I successfully emailed & faxed a signed dispute form along with supporting documents on XX/XX/XXXX. As I did have a chance to verify the transaction activities with a BHN 's Rep. that the unauthorized charge occurred on XX/XX/XXXX at XXXX store # XXXX. After contacting XXXX office, I learned that store # XXXX is located in Michigan ( MI ). I  hereby attest that I did not visit any XXXX either in store or online on XX/XX/XXXX. As I wish to also file a police report, the dept. stated that I need an Affidavit of Fraud ; therefore, please provide an Affidavit so I could complete a police report. <P/>I 'd appreciate a prompt review & an issuance of another card with a full balance of {$500.00} that I had paid for but did n't get a chance to use. Thank you for your cooperation & prompt resolution to this issue. <P/>Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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. (OK)

I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There are  XXXX  address on my report that does not belong to me, I 've never lived at those addresses,  XXXX  is a store front property after my investigation.   XXXX  Someone reported this information to the credit bureaus this month and it was NOT me.   XXXX  This is fraud.
Consumer complaint received 2022-03-30
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2018-11-04
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)

Transunion and XXXX have violated my rights cant look at my credit report after being a ID theft victim Im concerned that someone has my information but I cant see whats on it
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

For the past week ( XXXX XXXX - XXXX XXXX and ongoing ), Equifax will not let me into my account. I have talked to them ( via various phone numbers, and both overseas and U.S. agents ) at least six times a day and get different, ridiculous excuses. I still can not get in. When I try to reset my password ( which I know I am entering correctly in the first place ), the reset emails never arrive ( and I have checked junk/spam folders ). 

All this began because I want to put the now-free freeze on my report. I had no problem with XXXX  and XXXX but can not do so on Equifax. However, through their free-to-people-whose-information-was-compromised last year XXXX site, I can see that the employment information listed for me is beyond bizarre. It lists companies I have never worked for and shows one employer not as an employer but rather my occupation. I've talked to Equifax to try to fix those and they've promised me it's fixed but it still shows wrong. 

Sometimes I've been asked those personal questions about personal loans and such. I absolutely have answered them 100 % correctly every time but I STILL can not access my account or any information related to it ( i.e., I can not access my credit report information ). 

So to summarize, 1 ) I can not get into my Equifax account no matter what ( including trying to create a new account ), 2 ) Thus I can not freeze my Equifax account, and 3 ) the employment information is crazily wrong but I can not fix it or get it fixed.
Consumer complaint received 2018-11-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am having a problem with charges for goods and services that weren't delivered as agreed.On XX/XX/XXXX I ordered Qty 5 XXXX  XXXX XXXX network dome cameras from XXXX using my USAA credit card. Item showed shipped with USPS tracking numbers with an expected delivery date of XX/XX/XXXX. I never received my order and upon checking the tracking numbers online I showed delivered XX/XX/XXXX at XXXX Delivered, Front Door/Porch. I did not received my order and contacted XXXX on XXXX XXXX and they stated they would look into it. After a few days I contacted XXXX again and they stated that it showed delivered and that there was nothing else they would do. I contacted my credit card issuer USAA and opened a dispute for services not delivered. On XXXX XXXX Usaa credited my account {$590.00} while they investigated the dispute. On XX/XX/XXXX Usaa charged back the {$590.00} with a letter from XXXX stating that the order was delivered. I called USAA back to inform them that I still had not received my order, that I never signed for anything and my order was not on my door step as stated. Usaa advised me to contact the post office and there was nothing further they could help me with and would not remove the charges on XX/XX/XXXX. I contacted the postal inspector and they stated I would have to open a claim with the merchant and or credit card company which I had already done. I still have not been refunded for the merchandise I ordered and did not receive.
Consumer complaint received 2023-03-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2018, opened account and funded the account from an external account totaling over {$50000.00}. On XX/XX/2018, I logged into my online banking to see a very small notice that my account was on hold and that I should contact bank. I contacted bank on XX/XX/2018, and spoke to a representative who informed me that two transfers had been reversed. Transfer dates were on XX/XX/2018 and XX/XX/2018. Funds were transferred back to the account in which the initial account funding took place on XX/XX/2018. During the call on XX/XX/2018, I informed rep that the transfer reversals need to be cancelled immediately as the funds were no longer being held in the external account, and that this would result in returned item fees and NSF fees at the bank the funds were already transfer to, had cleared, and been made available to me. The representative refused to cancel the transfer reversals and advised that no one at the Bank would be able to do anything about this problem. This is problematic because I received NO notification that the transfers were being reversed and have now been charged with the fees at the external institution.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

XXXX sent a letter stating I owed {$600.00} to XXXX XXXX XXXX for service date X/X/17. It was not my correct first name. XXXX instead of XXXX. My middle name however is XXXX. I have never used that health vendor either.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (NY)

I have been in the hospital for 21 days and have been unable to work due to this. I have been extremely ill for 3 months and have been falling behind financially. I was unable to make my payment on time to XXXX, however they were not willing to work with me. It is now showing as late on my credit report which I have worked so hard on trying to fix. I do not want to file bankruptcy if I can help it.
Consumer complaint received 2017-07-06
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. (NY)

My complaint is against Equifax : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that Equifax were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with Equifax ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : Equifax Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, Equifax is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XX/XX/XXXX Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and XXXX attachments
Consumer complaint received 2022-03-30
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I need all other addresses removed of my file. Witch they are not deliverable mail addresses. According to the law they must be removed. The only address that should be reporting is the one on my driver 's license that's attached.
Consumer complaint received 2018-11-04
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. (WA)

XXXX XXXX account through XXXX XXXX. I made a Special Arrangement to Close my account, and pay {$10.00} a month. The agreement was : it will not affect my credit report, no fees/interest. I called them because when I pay {$10.00} a month, they are asking for {$40.00}. I now have a past due amount of {$30.00}. My credit report shows late payments. This is not what I agreed to! I was promised, " do not worry '' it will not affect your credit, we will close your account, and you just pay {$10.00} a month ''. So every time I call in a payment now, they are badgering me for {$40.00} payments and say they don't see anything regarding not reporting to credit agency. All their calls are recorded! Please please help me with this, as it's affecting my credit. I was scammed. Initial arrangement was made with a man. I have called and talked with them about this, but argue. The payment plan is on file, and All their calls are recorded. Please please help me with this! This is affecting my credit and upsetting so badly. Thank You
Consumer complaint received 2022-03-30
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. (TX)

Took more then 90 days to investigate my dispute for these accounts XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX
Consumer complaint received 2018-11-04
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: EQUIFAX, INC. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : XXXX/XXXX account XXXX. I have even sent copies from XXXX & XXXX   showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I check XXXX XXXX before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from equifax who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted equifax they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency