davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (KY)

I received a text from the bank saying someone was trying to commit fraud. I declined it was me and they said they would be in contact. I then received a call from the 1-800 number for the bank. I was notified that someone had hacked my account and I needed to close it and move the funds. I did so because fraud occurs regularly with Truist. Once I did what they told me, I didn't get a new account or my funds in the new account they mentioned. I called them back and they said they had no record of our conversation and that I willingly depleted my account. I have proof it was the bank and that I did not willingly do that. I opened a claim and they denied me immediately without any evidence. I have submitted several pieces of evidence and no one will look in to the matter. I also have a police report I filed. I am now out XXXX. I was treated very unfairly by every person I spoke with. One even shamed me for falling for a scam. If the bank didn't call me all the time about fraud, I would not have been a victim as easily as I was.
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX {$310.00} Closed XXXX XXXX  transunion reporting two accounts that are the same creditor
Consumer complaint received 2023-05-22
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 sent my first dispute letter dated XX/XX/2022 Trans Union, XXXX and XXXX stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. 
I received a letter from XXXX XXXX XXXX dated XX/XX/2022 stating that they received my written dispute. They also stated that the investigation may take more than 30 days. Also, they will cease all collection efforts. I also received an email from XXXX pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my XXXX account and read that XXXX XXXX XXXX has certified to XXXX that the information is accurate. This item was not changed. My question is who is telling the truth. XXXX respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. To sum it all up XXXX XXXX XXXX fail to provide to provide proof from the original creditor that they have legal authority to collect this alleged debt and to continue to report to the CRA 'S. From the time XXXX XXXX XXXX sent me their response letter dated XX/XX/2022, it's been over 7 months. Enough time to provide the information that I'm requesting. Trans Union, XXXX and XXXX failure to properly investigate my request instead, verified my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things. Please refer to the attachments to read the entire complaint. I am requesting that this account be removed from my credit report, and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 three credit bureaus : Trans Union, XXXX and XXXX failure to properly investigate my request instead, verifying my dispute as accurate.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

There can be no excuse for inumeracy at any bank! Personnel must be able to do such simple arithmetic such as subtracting my birthday year from XX/XX/2019 to determine my age! 

I was asked my birthday yesterday by a Charles Schwab Bank client advocate. I gave him the date! He then incredibly asked for my age! This went in three ( 3 ) until I finally hung up in disgust! 

The unauthorized charge by XXXX for {$75.00} on XX/XX/2019 was, therefore, not placed in dispute by this bank! 

How can I or anyone else for that matter trust a bank whose personnel can not subtract the birth year from the current year to determine my age? I can not! 

How can the USA maintain its position in the world when bank personnel do NOT know how to do subtraction? The XXXX ranks Americans among the most mathematically illiterate people in the developed world!
Consumer complaint received 2018-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IA)

I referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.
Consumer complaint received 2022-12-14
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. (TX)

I just received my reinvestigation back from Equifax. They said everything is XXXX  % accurate. I would like to receive a description according to 15 USC 1681i ( 7 ).

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on customers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to and How did they complete this investigation Account : Equifax Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 


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.

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.

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 2019-06-25
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: CORELOGIC INC (IN)

I paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and Corelogic not verifying the information that they are selling to people
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and XXXX not verifying the information that they are selling to people
Consumer complaint received 2019-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization,  XXXX   has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Recovery Systems (IL)

The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XXXX I had a XXXX account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the XXXX account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the XXXX account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Consumer complaint received 2019-06-25
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: Diversified Consultants, Inc. (PA)

I sent my documents in to XXXX and XXXX  they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS Dci Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information DIVERSIFIED CONSULTANTS INC
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THESE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-21
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 (ND)

On XX/XX/XXXX, XXXX charged my account six times ( {$20.00} each time ), and now they are charging {$1.00} today three times. Capital One has locked my charge. I haven't used the card since XX/XX/XXXX when I was in XXXX XXXX, SD at a hotel. My charge card is locked up when I don't use it.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (CA)

I have NEVER authorized, nor signed ANY document authorizing Credit Technologies Inc. to contact ANY credit bureaus to pull my credit report, and they have clearly profoundly violated FCRA in taking it upon themselves to exalt institutional racism that exist on a corporate level without any signed documentation from me XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX  Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX Balance : {$940.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-25
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. (GA)

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXXXXXX , XXXX XXXX and Experian '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX   XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX  XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX  , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Consumer complaint received 2019-06-25
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: EQUIFAX, INC. (PA)

I sent my documents in to XXXX and Equifax they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS XXXX Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with Equifax. 

GO TO EQUIFAX Creditor Information XXXX XXXX  XXXX
Consumer complaint received 2019-06-25
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. (CA)

I disputed a collection account that was resolve by agreeing to take it off my report which was suppose to raise my credit score but it shows the opposite on my report after the deletion
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

My complaint is on Carecredit. I was under the impression that this was a ZERO interest. I was never notified that a 200+ in fees would be added to my card after a " special program " which isn't disclosed with consumer. And depending on when/who you use it with. They automatically raised my credit limit and tacked on a few extra hundred, making this card so hard to pay off. They have some " extra security fee '' that is charged often. They are truly predatory lending. I have a great standing with my other credit cards and have never had this problem with any other credit card companies. I can send in my bill, so that this can be reviewed. I took some of my retirement money out, so that I can pay this down, but this will only pay it down a little not very much. Please let me know if anything else is needed. 
Thank you, XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately. 

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found. 

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.