davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-08
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)

There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A previous complaint # XXXX had Capital One contact me and attempt to verify my identity in order to have internet access to my account. Upon verification of Social Security number, Date of Birth and three other forms of identity verification, Capital One insists on having to contact me in order to gain access to my online account. 

I believe Capital One is excessive in this process that was initiated by them after months or years of doing my business with their company online. Accessing via mobile app and online to have information to my balances and transactions and making payments. 

The company refuses to allow me access until I am yet verified again. I am requesting that a formal investigation into this discriminatory process be made and Capital One be held accountable in denying their loyal customers reasonable access to our accounts.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-05-04
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. (OH)

In Accordance With The Fair Credit Reporting Act, The List Of Accounts Below Has Violated My Federally Protected Consumer Rights To Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (OH)

In Accordance With The Fair Credit Reporting Act, The List Of Accounts Below Has Violated My Federally Protected Consumer Rights To Honesty And Confidentiality Under 15 USC 1681. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX 15 USC 1681 Section 602 ( a ) I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) Consumer reporting agency can not furnish account information without consumers written consent.
Consumer complaint received 2020-02-25
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. (TN)

I have tried to resolve this matter with the creditors but i have not had any luck. The following accounts are not mines : XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (SD)

Using Citi 's Mobile App, I scheduled a bill payment for my internet provider, which was due on XX/XX/18, to be paid on XX/XX/18. Citi 's Bill Payment service provided a message that stated " Payment should be scheduled at least 2 business days before payment due date. '' On XX/XX/18 I received my monthly internet bill and found that the payment was not received until XX/XX/18, and I was charged a {$10.00} late fee. I called Citi and spoke with a female in FL, to request credit for the late fee. She told me the system said to allow 5-7 days, more than once, and declined the credit. She did not listen to what I said, and treated me like I was not able to read English. She wanted me to log on so she could walk me through submitting a bill payment. I told her that I had just logged into my phone before I called, and it said to allow 2 business days. I disconnected the call. 

On XX/XX/18, I contacted Citi via Chat and requested to speak with someone regarding the incorrect information Citi is providing on the Mobile Appl, requested credit for the late fee and an apology letter to send my internet provider. I don't appreciate having a late payment on my payment history. He declined the credit and he did not forward my complaint to anywhere!!! More than 2 months later, no letter or contact at all has been received. 

XX/XX/18, my husband & I opened new bank accounts with another bank, and we have moved all but about {$600.00} out of our accounts. The remaining balance will be withdrawn, and we want both our checking and savings accounts closed at our request. I am not going to ruin my excellent credit that we have worked so hard to maintain. 
Also, as of today, XX/XX/18, the Mobile App still shows the same message to allow at least 2 business days, so it still has not been corrected. I wonder how may other Citi checking customers have been assessed late fees unnecessarily due to incorrect  messaging. 

About a week or later, I contacted Citi via Chat using my tablet to ask how to stop the recurring transfers from Checking to Savings. Again, the representative did not ask what device I was using, and gave instructions for the full website. I ended the Chat.

Citi wants to push customers to use the Web and Mobile site, but they do not ensure the correct information is being provided. I understand that the Mobile App does not allow all of the functions as the full site, but providing incorrect information and not filing complaints to investigate reported issues is unacceptable.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (OK)

Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account.
Consumer complaint received 2017-09-05
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. (IL)

I was made aware by an article I ran across online on XXXX/XXXX/XXXX that TransUnion had a system glitch on two separate occasions. One in the Summer of XXXX and another in the beginning of XXXX where inquiries were removed from consumers credit reports and then added back to consumers credit reports without providing them with prior knowledge of the glitches removal of said inquiries and of the inquiries being added back to consumers credit reports. 

The article further stated that the consumers should have received notification five days prior to the inquiries being added back to their credit reports, but I was never notified about the glitches removal of inquiries from my credit report nor was I notified five days prior to the inquiries being added back to my credit report. The article also stated that consumers should contact TransUnion immediately about the two glitches incidents because it is illegal to added the inquiries back to consumers credit reports without five days prior notification. 

So I contacted TransUnion on XXXX and informed them of the information I had just read and informed them that I was never notified about the glitches removing inquiries from my credit report and TransUnion adding the inquires back to my credit report. I also stated to the TransUnion representative that I am requesting that any and all inquiries on my credit report that were involved when these two glitches occurred be removed permanently. 

I was informed by the TransUnion representative that I must provided them with dates where I noticed that inquiries were removed and added back to my credit report. I asked the representative how can I tell you that when I stated that I 'm just now hearing of these glitches incidents. The TransUnion representative stated without me providing dates as to when I noticed inquiries being removed and added back they can not see if I was affected. 

I then stated to the TransUnion representative that I can only provided you with dates where my credit score increased and the decreased around the time of the said glitches incident because removing the adding back inquiries would impact my credit score. The TransUnion representative then stated that information would not help her, she then stated again that she needed the actual dates when I noticed the removal of inquiries and when they reappeared. 

Again I asked the TransUnion representative how would I know this information when I did n't know the glitches had occurred? She informed me their was noting she could do without it and she could not and would not remove any inquiries.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have had my Capital One credit card almost three years. Never had a problem and I never paid my account late at all. 

They have restricted my account access because of fraud they say. Capital one says I have too many authorize users and they want me to get every single one of their driver license and social security card and send it to them before they will let me have access to my account. 

There is nothing wrong against adding friends or family to your credit card as authorize users. 

Capital one said I have too many on there and now they have restricted my access because of this! NO WHERE on their site does it mention if you add X amount of users we will lock your card down and make you bother every single one of them for their personal information to send to us! 

I then told them I did n't realize I had that many users on there who NONE have a card and would like to remove some. They would NOT let me remove them! 

The sad part is I AM advertising FOR CAPITAL ONE and telling friends they should apply for a credit card with them! And this is the thanks I get! A LOCKED account!
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22, I made a mobile purchase using my Wells Fargo checking account/debit card to pay Front Gate Tickets for a single pair of tickets for a total charge of {$130.00}. 

On XX/XX/22, I discovered that I was overcharged by {$170.00}, which made my total charge {$310.00}. 

Immediately after discovering this discrepancy, I tried contacting both the Front Gate Tickets and Wells Fargo Claims Department with no resolution : 1. I had difficulty reaching anybody at Front Gate Tickets. Upon further research, I discovered that Front Gate Tickets has a low rating ( XXXX stars ) on XXXX XXXX XXXX with XXXX complaints against them for similar cases of being overcharged. ( See : XXXX XXXX XXXXXXXX ) 2. I contacted Wells Fargo to file a claim against the Front Gate Tickets for the amount of the overcharge of {$170.00} ( Claim # : XXXX initiated on XX/XX/22 ). They promised a resolution within 10 business days.

3. On XX/XX/22, I received a provisional credit of {$170.00} since they were still investigating the claim. 

4. As of today, XX/XX/22. I've tried contacting them multiple times since XX/XX/22 to follow up with the case, with no updates or promise to close the claim in my favor.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

My car was broke into and my purse stolen, my credit cards were used in several charges, all was fixed except this one. I was not aware of it until it hit collections and I tried to refinance my house. I sent them the police report, i thought it was removed but apparently they just keep selling it to other companies
Consumer complaint received 2022-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (GA)

1. I have an XXXX account with MoneyLion. 

2. On XX/XX/XXXX I was approved for {$190.00} in advances to be repaid approximately one month later on XX/XX/XXXX. There are no fees for this loan. 

3. I took one advance in the amount of {$100.00} and one in the amount of {$90.00}, for a total of {$190.00} due on XX/XX/XXXX. 

4. I noticed the App stated I had a {$200.00} repayment on the {$190.00} loan. 

5. On today, XX/XX/XXXX I called Moneylion and inquired about this. The representative, XXXX ( not allowed to disclose any additional information ) stated I selected a XXXX dollar tip ; however, I did not do so. 

6. During the loan process, Moneylion 's App repeatedly presents users with multiple screens requesting tips making users choose {$0.00} tip several times. I chose {$0.00} several times. In addition, by requiring loans to be requested in multiple deposits, Moneylion multiplies the amount of times the user must select {$0.00} tip to avoid payment a tip.

7. Moneylion representative said she was unsure if she could change the billing. 

8. I asked for supervisor.

9. Moneylion representative said I could request a one-time refund of the tip by filling out a form. First, the tip hasn't been billed yet so this doesn't fix the problem. Second, I never authorized the tip in the first place. Third, there should be no limit on how many times they are willing to refund payments that were never authorized in the first place.

10. Supervisor is unavailable. XXXX said supervisor can not come to phone but I could get a call back. 

11. XXXX said she filled out form requesting refund of XXXX dollars that may be refunded after I am billed. However, I said I do not intend on letting them collect the funds that I did not authorize.

12. I requested to stop payment on XXXX from my bank account and debit card. XXXX said she stopped payment ; however, the App is still showing a repayment scheduled for {$200.00} for XX/XX/XXXX. 

13. Then XXXX said I could speak with a supervisor after all ; however, the issue remains unresolved and I have been waiting on hold for along time.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2018-12-29
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. (NC)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
Consumer complaint received 2023-06-08
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. (MI)

I have tried contacting the credit bureau multiple times in regards to this matter for the accounts XXXX XXXX XXXX as well as XXXX XXXX. I did not received a legitimate verification as I requested. I would like this account verified in full and removed immediately. I would like to exercise my rights according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. I would like these accounts removed immediately.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (FL)

XXXX is sending harassing letter told not to contact back in 2017 per XXXX! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!