davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
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. (CA)

i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXXn XXXX and transunion ( XXXX ) 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( XXXX ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. ( TRANSUNION ) 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WSFS FINANCIAL CORPORATION (NJ)

I am writing regarding a concern about an action taken by WSFS on all of their customers, including myself. On XX/XX/2023 at the end of the day, just before a holiday weekend, WSFS blocked all of their customers from access to their personal online banking. The only way to access one 's account was to read, analyze, and agree to 14 pages of legal documents ( small print ). As a successful businessman I can tell you that it was more than I could even understand in a short time. 

Further, when I contacted the regional manager for WSFS, he lied to me, telling me that I was merely acknowledging the receipt of the terms, not necessarily accepting them. This is not true. 

I contacted 5 members of the executive team and wrote a certified letter to the legal team asking for the terms to be explained to me, but they have not responded. 

I don't understand the rules of banking, but I feel that holding people 's money hostage like this could, or should, be illegal.
Consumer complaint received 2020-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

In XXXX of 2020, mid pandemic, and unemployed, I set up automatic payments to pay my credit card debt to my amazon synchrony bank card. I frequently made additional payments to the {$65.00} automated payment, until XX/XX/XXXX, when I paid the remaining balance in full of {$79.00}. For a few days my account was considered closed and no more payments could be made. I was satisfied. I see later that the creditor had continued to attempt to take money out of my bank account. I eventually received a refund check of {$65.00} for the first attempt. It continued multiple times a month in the same billing cycle that they tried to take {$65.00}, usually over-drafting my unemployed-esque credit union account. 
At this point my paperless mobile statements were inaccessible, as the account was legitimately paid off and closed for a period of time. I couldnt access all of these transactions on my end, while an agent poorly assured me that no more payments would be taken out on there behalf. 
A week later, XX/XX/XXXX, my amazon store card balance was {$81.00} and some change. I spoke directly to synchrony bank, where they assured me a payment of mine from XXXX did not process, although it showed that it did on my end. She said the {$81.00} balance was valid. I settled with that because I just wanted the card out of my business and for them to stop calling. That same day, my transaction history shows that they charged a late fee, refunded said late fee, charged {$65.00} and then interest. A week or so after, I check my store card and now the balance is {$180.00} with a minimum payment of {$100.00}. I simply can not fathom paying this, when I was paying it OFF in XXXX. 
I have exhausted all conversation with their company. They continued to call me multiple times a day, leave voicemails, and now text me, all weeks before its even due. Yesterday, I received an email, phone call, and text, all within the hour, reminding me of this money I owed. All of this is happening while I am unemployed, trying to make ends meet. I had to close my credit union account because the only transactions were synchrony bank taking money I didnt have, multiple times a month. Ive been working for months to repair my credit and synchrony bank is making it impossible.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

I made a payment in the amount of XXXX and well fargo put half of it on hold and I was told I need to wait four days for the hold to be released now this is the sixth time they have done this I havent seen other banks I do business with would put this my payments on hold now Im worried that I will be charged interest for cash advances and I was charged interest last month but I paid my cash advances in full and I cant afford to keep paying interest and I will not pay them .... but I technically paid my well fargo credit card in full but I only have XXXX available credit in my card and that not right at all ... .. I dont know what well fargo expect me to do ... XXXX all I want is for my credit card to be paid in full so I dont get any interest or late fees reported to my credit report and they keep putting my larger payments on hold and each time I have to go to the library and fax in documentation to release the hold early and I dont have lots of money and fax cost me ton of money
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

I called Citi to make a payment arrangement on XX/XX/XXXX, whereby my account would be closed ( i.e., no further charges ) but the interest rate would become 0 % and I would make 60 equal monthly payments of {$87.00} starting on XX/XX/XXXX, which Citi would take automatically out of my checking account. At the end of 60 months, my Citi balance would be {$0.00} and the credit card would be considered paid off in full. 

Citi failed to take {$87.00} out of my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Instead, according to their most recent statement on XX/XX/XXXX, I have a minimum payment due of {$990.00}. I called Citi and they acknowledged verbally that the payment arrangement of XX/XX/XXXX is valid but that Citi 's computer systems have failed to process it correctly. The matter is being reviewed by Citi 's " offline team, '' but so far they have taken no action to correct the problem. 

In the meantime, Citi 's computer system has generated demand letters to me for the minimum payment due as " reflected on [ my ] monthly statement. '' The Citi letter states that they " may report information about your account to credit bureaus. '' The persons I spoke to today at Citi are unable to do anything regarding credit reporting, but they did confirm that such credit reporting is done automatically by their computer. 

It's pretty obvious at this point that Citi 's " offline team '' is taking forever to fix their processing glitch and that I am likely soon to be vicitimized by Citi 's computer 's automatic false negative report to credit bureaus, which will no doubt cause me harm ( such as potential denial of new credit from other creditors, or denial of a job by a prospective employer! ). 

I have tried to no avail to escalate the matter within Citi. XXXX, employee ID XXXX, account manager at Citi, is the highest level person I have been able to speak with. He is arranging for his manager to give me a call back within 3 days, but XXXX says that he or she operates from the same operating manual as XXXX and therefore won't be able to offer me any relief.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX   say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX  XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-11-10
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. (NH)

My credit score withXX/XX/XXXXand Equifax was dropped XXXX points with no explanation, I've been trying to contact them but with no success, this is making my finances explode in a very bad way when it should have never happened seeing all my accounts are current Thank you XXXX XXXX
Consumer complaint received 2020-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XXXX XXXX  forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: South Carolina Student Loan Corp (SC)

I have 6 CLOSED PAID OFF loans from South Carolina Student Loans that I filed a dispute with to remove from my credit report. The date for all 6 close is XX/XX/2013. There is a {$0.00} balance and I was told they would all be COMPLETELY REMOVED after I faxed payment information.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I do not have an SSN ; I only have an ITIN number. But in your credit report, you're showing an SSN that's not mine. 

Could you make this correction? Thanks
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (GA)

Called to report unauthorized and unverified inquiries on my report as my right to do so. Experian representative and supervisor told me that they are not allowed to do so when I know I have every right according to the FCRA. This is not right that they are illegally refusing to enforce my rights as a citizen to protect my information.
Consumer complaint received 2023-04-27
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. (MN)

Someone named XXXX XXXX opened up 2 accounts for furniture at XXXX XXXX XXXX XXXX.She lives at XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Mn.When her accounts and address showed up on my credit report, I filed a fraud report with the police.Detective XXXX XXXX with the XXXXXXXX XXXX XXXX Police Department investigated and found it was not fraud.She in fact used her own social security number on her application for the furnitureXXXXDetective XXXX concluded that the credit bureaus made a mistake.I am XXXX XXXX in XXXX XXXX and I have lived in my home since 2008 and I own it! The furniture accounts were opened on XXXXall of this information was given to experion and they refuse to remove it off of my credit report
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.
Consumer complaint received 2020-11-10
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. (NJ)

I believe I have been effected by identity theft. Accounts were opened using my social security number and information without my knowledge. By the time I realized, my score was so low, I could not obtain any credit. This has effected my greatly and I would like this inaccurate information removed from my credit report within 7 days.
Consumer complaint received 2023-04-27
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I contacted XXXX at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XX/XX/2020, when I received my pension check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " 50 POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at XXXX, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to XXXX could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

Sincerely, XXXX XXXX
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: Experian Information Solutions Inc. (AL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS 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 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 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 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 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 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
Consumer complaint received 2018-04-24
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. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company onXX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they can not see the inquiry and so they can not remove something that isnt there.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  (XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX