davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (FL)

The term " investigate 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-07-06
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-07-06
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. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, 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 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 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

1. Equifax has been reporting incorrect and out dated information which causes me to have a lower than average FICO scores and pay higher interest rates.

2. Equifax continues to report high usage on my revolving accounts as above normal, as if I am over using my available credit and not paying it when in fact I have been paying my accounts in full every month, no less than 80 %.

3. Equifax has made a decision to report my revolving as high usage, when I do not use large amounts without paying them off in full or close to it.

4. Example : Equifax when I am on vacation I use my credit cards for safety, points, discounts and travel records. Afterwards, I get dinged on the day of that I have used my card as if I over used it, but if I pay it off it takes them 30+ days to get it recorded and updated. Meanwhile, if I apply for credit, my FICO fall into the lower numbers resulting in higher than average interest rates. Drops sometimes as much as 20 points.
Consumer complaint received 2022-10-11
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: CORELOGIC INC (AZ)

I have credit inquiries listed on my consumer reports I have no knowledge of nor given permission for my credit to be pulled. I have tried reaching out to the creditors by phone and also mail only to receive nothing in return.
Consumer complaint received 2022-07-06
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: Chime Financial Inc (FL)

I got an fraudlent charge Merchant : XXXX XXXX AmountXXXX Date : XX/XX/XXXX I used my card at the merchant mentioned and used my chime credit builder card for the amount of {$38.00}. I returned to the merchant the next day for a service check, however no service was performed, yet my card ( same card that I used to pay with the day before ) was charged a new amount of {$140.00}. 
I contacted the merchant with no response, then I proceeded to contact Chime and report the erroneous charge. 
Chime opened a dispute claim, only to deny it a few days later. 
I requested the dispute documentation and the explanation provided by them was derisory to say the least, ( file attached ). They claimed my card was used at the same merchant the day before ( precious piece of information, I was fully aware of, since I was the one who made such a charge ) and besides that I had used that card on same day at other merchants ( Please not at no point and time I attempted to charge back any other transactions I was responsible for during that particular day ). 
Their statement outlines the limited investigation method used by this institution : if I was in possession of my card therefore the claim is not valid. Shouldn't they consider that the fact I had the card in my posession, does not stop individuals or businesses that have my information on their file ( through different methods ) to place such charges? Their customer service is extremely unsatisfactory, they handle these charges investigations with an utmost incompetence
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Each year I try and review my credit report. In this case I was checking it so I can purchase a house. I saw damages on my credit report and according to the 15 U.S.C 1681 law, there should not be any damages on my report. It is a defamation to my character.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX. The check was cashed, but not by XXXX XXXX. Wells Fargo did begin an investigation. Over the last 120 days I have received four letters from Wells Fargo. All four letters said basically - there are two possible outcomes : 1. Wells Fargo will return the money to me, or 2. Wells Fargo will provide all the documentation from their investigation. Today is 120 days. I have tried multiple times in the last few days to contact the Wells Fargo check fraud case managers and they will not return my calls. I am asking the CFPB to help me get an update from Wells Fargo.
Consumer complaint received 2022-07-06
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. (MO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, 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 2021-06-13
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. (NC)

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/XXXX, XXXX XXXX [ XXXX ] willingly refunded {$2800.00} [ Ref # XXXX ] to my XXXX XXXX Bank of America [ BOFA ] Visa Credit Card # XXXX XXXX XXXX XXXX for air fair due to 4 canceled cruises. XXXX was unable to refund the {$2800.00} back to my debit card because it had expired, so they refunded it to my BOFA card because I had also used this card for some payments on multiple [ canceled ] cruises in XXXX. On XX/XX/XXXX, BOFA illegally and fraudulently removed this credit from my account stating XXXX had disputed the refund. Upon discussion with XXXX, the dispute was denied and the XXXX accounting department denied receiving the {$2800.00} refund from BOFA. " XXXX '' from XXXX spoke with a BOFA manager in XX/XX/XXXX and the XXXX accounting department remitted a letter to BOFA reiterating XXXX had not received the {$2800.00} refund and that BOFA had to refund the money to me. XXXX also testified they had not received the {$2800.00} refund from BOFA in XXXX case # XXXX and that BOFA had to refund the money to my Visa account. 
In addition, BOFA Credit Card Agreement with XXXX XXXX states if a dispute is not resolved within 45-90 days, then the money in question must be returned to my Visa. [ See p. 12-13 and p. 17 of two attachments. ] The dispute should have been resolved no later than XX/XX/XXXX but still was not resolved until XXXX when BOFA ruled against me in XX/XX/XXXX. In accordance to the credit card agreements, because they took 180 days instead of 90, BOFA must refund the {$2800.00} to my Visa ending in # XXXX immediately. 

On XX/XX/XXXX at XXXX XXXX, XXXX called me and and again confirmed they still had not received the {$2800.00}, Ref # XXXX. Waiting on exact details of contacts adn will remit 3rd letter from XXXX upon receipt.
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015. 
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB. 
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition. 
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.
Consumer complaint received 2022-07-06
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)

in accordance with the Fair Credit Reporting act XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A 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 please DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX  XXXX  XXXX {$2200.00}, XXXX  XXXX XXXX {$450.00}. i didn't give XXXX equifax consent or written instructions to report the accounts listed above. Please respect my privacy and remove.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-11
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. (GA)

XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!
Consumer complaint received 2022-10-11
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. (GA)

XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!
Consumer complaint received 2022-07-06
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 XXXX DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX DPT EDXXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genisis Credit management company contacted me roughly seven months ago, claiming I owe a debt of XXXX to my former residence at XXXX XXXX. I have since then requested that they sent documentation by email validating this claim. They still have yet produced any form of proof. I have let them know that I am willing to uphold any financial obligations I have attained, However I know that I have already paid in full all rent/utilities/damages, before my move-out date. XX/XX/2021. I have on multiple occasions been spoken too with disrespect by one debt collector in particular by the name of XXXX. The most recent conversation went the worst, he essentially told me to pay them the money so I could get them out of my hair. ( XXXX ) He has also laughed at me several times when I state that I was paid up upon move-out. The company does not call me wanting resolution. I am the consumer requesting documentation so that we can resolve the matter and get it removed from my credit.