davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened my business account with BB & T on XX/XX/2021. I had booked a reservation at the XXXX XXXX hotel they couldnt accommodate the room I booked and the room they had was infested with bugs so I received a refund for the full amount that was initially authorized. The amount of the refund was XXXX. When I realized the transaction posted and not processed back into my account I called BB & T to initiate a dispute. So the dispute was initiated and I was first told the merchant processed the transaction wrong. I also noticed another debit of XXXX from the merchant. I didnt authorize and I never stayed at the hotel. I provided my refund receipt. BB & T denied my claim stating that they couldnt help me and the merchant could take the money with no explanation even though I had my receipt showing a refund and no balance was owed. So then I found another XXXX XXXX XXXX XXXX nearby I stayed one which my card was authorized and charged the correct amount, then I stayed from the the XXXX to the XXXX of XXXX. I stayed from the XXXX to the XXXX of XXXX. The total amount should of been a estimated {$580.00}. I received my receipt where I was credited XXXX. A debit of XXXX posted to my account and XXXX remains pending since XX/XX/2021. 
The bank is posting what is supposed to be credit as debits. There is no way to speak with customer service. You have to have a pin which I did set up with the banker the it stopped working. The hold times are to an hour. My account is overdrawn - {$770.00}. Which it should not be. I was also charged a unknown overdraft fee for what I have no idea when I had enough funds to cover every transaction on my account.
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.
Consumer complaint received 2023-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Why is it that when I use a credit card my credit is affected IMMEDIATELY. But when I pay off a credit card it's NOT reported IMMEDIATELY? 

That is wrong and unfair.
Consumer complaint received 2023-01-03
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. (IL)

So in XX/XX/2020 someone opened a credit card with a bank XXXXXXXX XXXX XXXX  I was a victim of identity theft from in XXXX  .I did not know because my home address is just a mailing address for me at a building I own, so now that me and wife seperated Im back living at my mailing address .I have police report
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

An account was opened with Chase sometime in XXXX, a Southwest Business card. To my knowledge, I do not have any recollection of doing this myself. It is easy to verify this as you can see not a single charge was ever made on the account or any log in to any online portal. However, I recently learned that I was charged two payments of {$99.00} for a membership fee both in this year and last ( XXXX ). Although all workers I spoke with can verify that I never made any transactions they all refused to return the membership fee of {$99.00} from XXXX. Every time they would tell me they didn't have the authorization and would transfer me over to a different line. This went on for over an hour and a half until finally they transferred me over to the entirely wrong department causing us all to start over. In the end, despite the company confirming there was never any charges to this account and that I very well did not know I was even a member, they would not help to remove the membership fee. I am hoping that you can help me with this instead.
Consumer complaint received 2020-07-24
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. (NV)

I am having trouble getting approved for the type of credit that my file deems me worthy of. I am going to provide the proper information which will allow you to verify and identify the erroneous information that is appearing on my reports. I recently found that i was a part of the breach of 2017 which crippled me. 
My File number with Trans-Union is : XXXX. 
I have also filed a report with the FTC which I have included in this complaint. 
FTC Report # XXXX. 
Here are the accounts that are that are showing ; Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number:XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number:XXXX  High Balance : {$2500.00} Account Name : XXXX XXXX Account Number:XXXX Balance : {$1400.00} Unauthorized Inquiry XXXX XXXX
Consumer complaint received 2023-01-03
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

XX/XX/2021 i believe my account was suspended due to suspicious activity i was told provide documentation ID ( 2forms ) I complied with everything never heard back from Chime I've called numerous times sent emails have 4 complaint ticket numbers alone with chime and all ive gotten from them is an automated email letting me know absolutely nothing it is now XX/XX/2021 and I'm yet to hear anything I've been told that were putting you at the top of the list Mr for this to be resolved nothing im getting evicted from my home i have all the emails I've sent to chime I have all my ticket complaint numbers they are so unprofessional when it comes to humane kindness this matter should have been immediately followed through with I've been thorough alot of pain and suffering through the pandemic like everyone else but along with this my rent due kids in the house hungry just hard times
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.
Consumer complaint received 2023-01-03
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, MI XXXX XXXX Account # XXXX, XXXX Funding 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 a account without my written instructions
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (GA)

Harley Davidson is reporting a debt on my credit file I do know. I had disputed this information because I thought that the insurance paid the debt, after my findings that they didn't I contact Harley and settled the debt with them. Yet they are still reporting this erroneous balance on my credit report. I need them to remove this immediately.
Consumer complaint received 2021-07-07
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. (DE)

The 3 credit bureaus XXXX XXXX and Experian, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : capital one Account number : ending in XXXX You're reporting a late payment in XXXX, XXXX and XX/XX/2020 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-07-07
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)

hello I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-04-09
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. (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX & TransUnion & XXXX Re : Fraudulent Accounts and Unauthorized Inquiries To whom it may concern : Be informed that this is an internal dispute and an affidavit. Recently i received a copy of my credit report and I discovered Inquiries i didnt not authorize along with fraudulent accounts. I understand and aware that you should not put an inquiry on my file unless i have approved it and you have my consent. After taking a close look at my credit report I notice so many errors on behalf of your company. I understand that I have been involved in a few breaches that has cause my credit info to be leaked by XXXX, and other companies. I have recently filed a police report against your company for the negligence and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and error accounts removed off my credit file immediately because i did not authorized them and they are fraudulent.

List fraudulent accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7.

XXXX XXXX XXXX XXXX. 8. XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX INQUIRIES are uploaded in the attachments.

Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 48 hrs of receiving this letter. I am prepared to file a lawsuit in small claims court where you will be forced to appear. Also be aware that I have sent in return receipt signature for pervious certified letters. Ive sent certified letters and I have records on file of the certified letters. I am keeping it as evidence when we appear in court. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Today, I received the attached dispute results from Experian, dated XX/XX/XXXX, for my XXXX XXXX XXXX account showing Before Dispute Status ( XX/XX/XXXX ) Open and After Dispute Status ( XX/XX/XXXX ) Open. I voluntarily CLOSED myXXXX XXXX XXXXXXXX account on XX/XX/XXXX as clearly and unambiguously stated in the attached two letters of XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. How can my account remain inaccurately reported as XXXX after the dispute process if a simple straightforward investigation would certainly require reporting my account as CLOSED at consumers request on XX/XX/XXXX???? Delete my account permanently!!!
Consumer complaint received 2022-06-10
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. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Applied for a credit card with Capital One. Received an instant decline accompanied shortly thereafter by information citing delinquent accounts. Confirmed with XXXX, XXXX  and XXXX  that no such delinquent accounts exist within their systems, so the likely explanation is some sort of processing error at Capital One.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AL)

I had a checking account with citi bank. They closed my account with XXXX still in it. I waited patiently for my check in the mail and never received it or info on why my account was closed. Called them several times and they told me I wouldnt be getting a check my accounts closed they are no longer servicing my account so basically stole my XXXX dollars from me. I can prove where the money came from and my bank account that transferred it over into the citi account. I will have attached a pictures of my deposit from my work for XXXX proving my income. And the direct debit from my XXXX  account for XXXX.
Consumer complaint received 2020-11-05
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. (NC)

Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors
Consumer complaint received 2020-11-05
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)

Hello all credit reporting agencys have incorrect information on my records and they are not fixing it. would you please confirm my name and address are correct on my report I have several name spelling errors and would like to have my name correct. 
Im disputing my name on My record My full name is XXXX XXXX XXXX XXXX is XXXX XXXX  XXXX XXXX XXXX, NC, XXXX My birthday is XXXX Phone number is XXXX My name should be the same as it is on drivers license and social security statement and social security card. 
Im submitting proof of identification so my name can be listed correctly on my file I have been having trouble with applications because of the name errors. My name is reporting incorrect information Name Information is incorrect I m providing proof of identity and my full name as it should appearPlease fix my full name on my credit report file my name is incorrect on my credit report! I am providing proof of my full legal name so you will correct the errors. The name you have on file is wrong, please help and fix it My full name is XXXX XXXX XXXX XXXX name : XXXX XXXX name : XXXX Last name : XXXX Please correct my full name and spelling errors