davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I was trying to get my annual free credit report on XX/XX/XXXX and ( as usual ) Equifax would not make the report available online. I got the usual " mail us the form with all of your sensitive information on it for us to send you a report ''. I ended up calling the annual free credit report phone number and managed to get a report, but I now have to scan in 28 pages so that I can save the report on my computer. This happens every year and I have never received an explanation from Equifax as to why this happens. This also prevents me from filing a dispute electronically - again forcing me to send in more sensitive personal information. 

This same nonsense has prevented me from signing up for several US government web sites ( like Social Security and the USPS web site ).
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (MD)

WheredoIstart?! ForaboutfourdaysstraightIhave experiencedallsorts of negatives. 
BelowisthesituationsI haveexperienced : -Lockedoutofmybanking account'smobileappfor noapparentreason. 
-Lockedoutofmybank account'onlinewebsitefor noapparentreason. 
*Hadtoresubmitsecurity questionsalloveragain. 
-Blockingpurchasesfor suspiciousbehavior, with companiesIhavedone businesswithmanytimes, inthepast. 
-Outragiouslylongwait timestospeakwiththe FraudDepartmenttoget themtounblock purchases. 
-Atwo-waytextalerts featurethatallowsyouto approve ( override ) blocked purchases, whichdid n't work.Finally, afterspeakingtoseveralfrauddepartmentagents, wasfinallytoldthatthetwo-wayalerts wouldn't workproperlyuntil14days. 

Absolutehorriblecustomerserviceexperiences. 
Somethingneedstobe donetofixtheserepulsive customerserviceissues! 

Thanksforyourhelp. 
Takecare.
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. (MO)

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; U.S. Bankruptcy Court XXXX XXXX Bankruptcy Reference # : XXXX XXXX Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; Federal XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; LA XXXX XXXX ; XXXX LA ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ;
Consumer complaint received 2018-05-24
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. (GA)

XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
Consumer complaint received 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America contacted me Friday, XX/XX/2022 and left a message to inform me they had cashed a check written by me from my XXXX account that appeared to be altered. The message asked if I had written a check to XXXX XXXX in the amount of {$4000.00}. 
When I was able to reach someone on the following Monday morning, XX/XX/2022 I told them that the check had been made out to the XXXX XXXX tax collector, XXXX XXXX. The person at Bank of America told me to report the claim to my bank. I reported it to my bank and filed a police report. 
XXXX XXXX has been unable to get a response from Bank of America despite numerous attempts. I have tried to contact Bank of America but can not access their customer service or fraud division because I do not have an account there. The automated system will not allow me to speak to a human without entering my account number. 
XXXX has sent me a message that because they can not get a response from Bank of America, they are going to drop my claim. 
I do not accept this because Bank of America was the entity that first noticed the fraud. Now they refuse to respond. This is a lot of money for me.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am in receipt of a response letter dated XX/XX/2021 from XXXX which did not adequately respond to my complaint. I am not sure why this response took 60 days as it was a canned response and it is clear that NO RESEARCH was done as to the accuracy of my information. Perhaps I was not clear so I am attempting to add clarity to this complaint. 

The original letter I received from Synchrony Bank outlined the following issues with a Credit Report that they received from XXXX. 

1. Date of issuance of applicant 's SSN does not match date of SSN of peers. Please inform me how to correct this information. Is XXXX aware that I was born in the XXXX and at that time you did not apply for your SSN until your parents determined that you needed it for a summer job or other purpose. My brother, who is 18 months younger has a SSN that is only 2 numbers from my own. SO IF THIS IS AN ITEM THAT WILL IMPACT MY SCORE OR ABILITY TO OBTAIN CREDIT, HOW IS IN CORRECTED? 

2. Applicant associated with multiple phone changes. Again, I would like to be informed where they got this information and how to correct this erroneous information. I have had the same phone numbers ( Home, yes I have a land line, and Cell ) for over 15 years. So they either you have a bad source, are pulling bad information or just DO NOT CARE about the accuracy.

3. Distance between applicant 's address and area code of phone number. Where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. Both my home and cell number start with a ( XXXX ) area code. I live in XXXX Florida just outside XXXX where the area codes are XXXX XXXX XXXX original area code and ( XXXX XXXX newer area code. So I actually have one of the original area codes before they stopped issuing that area code. 

4. Total account balances. Again, where is this information obtained and how is this determined. Also, how can this erroneous information be corrected. My credit card usage constantly is low and I pay all non zero interest balances in full every month. I do not have any car loans and my mortgage balance could be paid in full but I chose not to due to having an interest rate under 2.5 % ( I am 6 years into a 10 year loan ). 

I would like the company to tell me the sources of the data that they provided to the credit grantor and how to correct errors in these areas. What proof would be required to support that fact that their data in incorrect.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ATLANTIC COAST MORTGAGE, LLC (DC)

I applied for ( and received XXXX a mortgage from this company. The company never provided me with information about my credit score, e.g. in a document titled, " Your Credit Score and the Price You Pay For Credit. '' I believe this is required by law. I have left several messages with this company, including for XXXX XXXX XXXX XXXX, and the company does not return my phone calls.
Consumer complaint received 2022-12-02
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. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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  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.
Consumer complaint received 2022-12-02
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. (SC)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CA)

XX/XX/2022 I Paid my friend via Chime bank transfer via XXXX XXXX. My friends name was listed as a username and so I sent him {$100.00}. He never received it. I inquired about his payment with calling Chime customer service. They said it had gone through. I asked them if I could three way ( conference call ) with XXXX ( the intended recipient of the monies- {$100.00} ). They said okay. They took his personal information and acknowledged on the phone that it wasnt his account, despite it being his number listed. I requested my money back and the transaction cancelled, but they declined and wrote to me stating this instead. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX  - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$100.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I at first only wanted my money back. But then realized, what if Chime has opened all these accounts with peoples numbers that arent them. I cant be the only one who sent to a username that was populated in the Chime app by Chime accessing my contacts in my phone.
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. (CA)

I appreciate the time taken to address some of the items in my file allegedly stemming from fraudulent activity. However, there remains an item that requires removal. Pursuant to FCRA Section 605, you are obligated to remove any items listed on an Identity Theft Report, numbered # XXXX. I have already detailed these issues in the aforementioned report and in previous correspondence, and I am reiterating them here alongside the new FTC report, numbered # XXXX. I have apprised my attorney of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance. Below are the items that have yet to be removed from my credit reports, categorized by bureau : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX charge off XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any automated verification methods.
Consumer complaint received 2021-10-28
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. (NY)

I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
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. (NJ)

Recently I had a chance to check out my credit report & noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. its my understanding that you will investigate these items listed. Here is the accounts I am asking you to verity accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. (LA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2022-12-15
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)

Someone opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under my name. Identity theft. I've disputed several times fraudulent and they will not remove it from my credit file.I have not applied for anything.
Consumer complaint received 2022-03-21
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2022 LVNV Funding contacted my place of employment where I do not have a direct line and spoke to the secretary about my debt. I do not have a direct line and am constantly driving trucks throughout the day. The secretary does not need to be bothered with information about my debts. This is unacceptable behavior.
Consumer complaint received 2021-06-14
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. (CA)

On XX/XX/2021 I used the online chat to request and complete a product change from an existing Citi ThankYou Preferred Card to a Citi XXXX XXXX AAdvantage Platinum Select Card ( card number ending in XXXX ). The Citi agent who processed the product change did not ask my existing XXXX XXXX AAdvantage number ( XXXX ), and thus failed to associate it with my new credit card number. Because of this a new AAdvantage number ( XXXX ) was created and associated with my card. Despite several attempts by calling Citi and XXXX XXXX, I have been unable to find a fix to this issue. Each time I contacted Citi they said they were general customer service and I need to contact Citi XXXX XXXX Department and gave me a phone number for that department. I could never reach XXXX XXXX Department by calling the provided numbers because calling the numbers again connected me to general customer service. After repeating this process for a few time, this proved to be a futile and never-ending loop. I requested to talk to a supervisor which never materialized because either one was not available, or the agent decided to connect me to another department despite asking for a supervisor. 
One solution that a Citi agent proposed was to contact XXXX XXXX or use XXXX website to merge my two AAdvantage accounts. Although I dont believe it is XXXX XXXX responsibility to solve a problem that was created by Citi, I accepted to try this option but. Yet after trying to merge my two AAdvantage accounts, I was informed that they could not be merged because the information did not match between them. Apparently one or more piece ( s ) of information that was used to create the new AAdvantage account for my credit card is different from my existing AAdvantage account. I can not access the new AAdvantage account to check or change the information to resolve the mismatch. 
Because of this ordeal, I have been unable to use the advertised benefits of my card which has a {$99.00} annual fee. Specifically, I wanted, but was unable, to book Reduced Mileage Award tickets which are bookable only by credit card holders. The number of miles needed for these tickets have significantly increased during the days I have been unable to use the benefit. 
At this point, I have two requests. First and foremost, I want Citi to change the AAdvantage number associated with my Citi AAdvantage credit card from XXXX to XXXX. Citi may coordinate with their partner ( XXXX XXXX ) to make the change, if thats needed. 
In addition and considering the loss I incurred ( increase in the number of required miles ) while I was unable to use the advertised benefit of the card, I request Citi to waive or reimburse the upcoming annual fee of my AAdvantage credit card, or post a one-time credit of XXXX miles to my AAdvantage account ( number XXXX ).
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

i got my credit report of all 3 credit bureau on XX/XX/2019from experian and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history
Consumer complaint received 2021-04-15
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. (AZ)

XXXX, clearly you dont understand how your breaking the law.. 

The dispute in question was sent out on XXXX today is XX/XX/XXXX. 

Your in clear violation of the FCRA because your initial dispute took more than 30days!!, I submitted this complaint on XXXX 

By law, because your investigation has to took longer than 30days. And is also about to go over the additional 15day window as stated in the FCRA.. 

Your breaking the law!, and demand that these items associated with my INITIAL dispute on XX/XX/XXXX. Be permanently removed from my credit profile.. period. 

Otherwise my next step will be to file formal complaint with the FTC, and seek legal counsel. Since youre blatantly refusing to follow the law. 

The attached file is in the 1st complaint I filed on XXXX 
Its CLEARLY shows the date it was mailed..
Consumer complaint received 2021-04-15
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)

Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to XXXX  and Experian that XXXX  showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.