davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-18
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. (CA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-12-29
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2020-12-17
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: BARCLAYS BANK DELAWARE (FL)

i was notified by XX/XX/XXXX barclays that a strange charge had been made on my card # XXXX on XX/XX/2020 from XXXX 's XXXX in XXXX NV I informed them that the card was in my possession and had not been used by me. 

I reported the fradulent charge on XXXX XXXX, 2020 officially. 

at that time they cancelled the old card and insisted on issuing me a new card ending in # XXXX, although i did not want it. 

I never activated that card. 

on XX/XX/2020 i received a letter confirming that their fraud department had determined that i was not responsible for the reported fraudulent activity. 

I then began receiving bills for the old fraudelent charge on the new card that i had never activated. 

I have recieved bills for the same fraudelent charge on the new, unactivated card every month since XX/XX/2020. 

I have called barclays every month since XXXX and have spoken to numerous people who have assured me that they will rectify this. I just recieved a bill for the month of XXXX. 

my FICA score has been affected, and my credit was just under XXXX before this. 

they keep sending me bills, destroying my credit and will not fix this no matter how many times i call or who i speak to.
Consumer complaint received 2024-03-03
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Since ever Ive had problems with Transunion. Every time I want to see my report, theres always and issue with my information. Nobody knows my information better than me. 

I remember years ago to send all my IDs to confirm my identity and yet, I still have, every year, the same problem. 

I submitted a dispute on XXXX about a wrong negativ mark. My XXXX XXXX Loans were on XXXX XXXX since XXXX and forgiven XXXX XXXX For some reason I dont know, the XXXX provided to Transunion wrong information. I reach the XXXX and they told me that I needed to contact Transunion directly which I hate. 

I submitted ALL the proofs to Transunion and nothing has happened. Their website says that I was supposed to receive the report by regular mail and its been almost to month and I have not receive it and my negative mark stills on the report.
Consumer complaint received 2023-07-06
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. (NY)

Dear XXXX XXXXXXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXX 2017 XXXX XXXX credit card was settled and paid in full. Needs to be reported by Experian and XXXX and XXXX  as a paid charge off
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

My account has been experiencing unauthorized withdrawals and I addressed it with my bank months ago! I then submitted a complaint with theCFPB, so they sent me a letter and asked me to call them. When I called them, they said they had seen where I reported the unauthorized charges and then they said they would have to review the account and that I would have to wait for 3-5 business days before they make a decision.
Consumer complaint received 2020-12-17
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. (TX)

The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XXXX XXXX, 2020 {$32000.00} Reported balance
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I filed a Chapter XXXX Bankruptcy XXXX on XX/XX/2018 and have not received mortgage statements from my lender, Well Fargo and they have not been applying received payments consistently and have denied receiving payments, even though I have proof. My bankruptcy attorney has made repeated request that they send me statements to no avail. I Am ready to sue them and ask to have them sanctioned for violationsn
Consumer complaint received 2022-05-03
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : Account Name : XXXX Account number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : 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. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ). 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 2018-07-20
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I ordered a sterling silver pendant and a t-shirt online from " XXXX ''. I paid in full ( {$190.00} ) via XXXX. On XX/XX/XXXX I inquired about the status of my order. On XX/XX/XXXX I was told orders were in back-log. On XX/XX/XXXX I inquired again, told 6 weeks out, and promised extra " goodies '' for my patience while they catch up on orders. On XX/XX/XXXX I was told 3 months out, again promised extra items for my patience. On XX/XX/XXXX I was told a " rush '' put on my items. On XX/XX/XXXX I was told items were 4 months out due to a problem with their jeweler. On XX/XX/XXXX I requested a refund, I was then told my items were already delivered and they must have been stolen. I requested tracking number to file a report with the USPS - that request was never met. I was then accused of lying and having actually received my package. On XX/XX/XXXX I was told the post office lost my package and items will be resent. On XX/XX/XXXX I filed a claim with Chase Bank ( claim # XXXX ) for  a charge-back in the amount of {$190.00}, my account was credited with that amount while they investigated. About one month later, Chase Bank notified me they would be reversing the {$190.00} credit was being reversed because too much time had passed since the original purchase. On XX/XX/XXXX I tried contacting the seller again, he toldme he was having XXXX and would be out for 10 days. On XX/XX/XXXX I was told he was again waiting on the jewelry vendor and offered much cheaper items that were in stock., which at that point I said I would accept. On XX/XX/XXXX I was told the stock items were sent, I requested tracking info but once again was ignored. On XX/XX/XXXX I requested tracking info again, never received. On XX/XX/XXXX 3rd request for tracking info, never received. On XX/XX/XXXX 4th request for tracking info, told its his wife 's birthday and he was busy. On XX/XX/XXXX I was told items were shipped, no tracking information given. On XX/XX/XXXX I made a 5th request for tracking information which I again never received. In addition to my claim with Chase Bank, I have filed complaints with the Arizona chapter of the XXXX XXXX XXXX ( claim # XXXX ) and the Federal Trade Commission.
Consumer complaint received 2021-02-10
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)

I reviewed my credit file and their were several inaccurate items reporting on my credit file. I noticed that there are 3 accounts reporting incorrect late status and 5 accounts that are not mine ( either because it is reporting in error or as a direct result of identity theft ) : XXXX CARD - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX - I was never 30 days in XX/XX/2019 ; please remove ; XXXX XXXX XXXX - I was never 30 days in XX/XX/2019 and 60 & 90 days in XXXX - XX/XX/2019 ; please remove ; The following accounts do not belong to me : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Dept of Education/XXXX US Dept of Ed The inquiries was never authorized by me : XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

Target called me XX/XX/22 to report a card opened in my name, on-line on XX/XX/22. They are investigating and suggested I report to the FTC, whose site directed me here ( CFPB ). I did not request the card.
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

At the end of XX/XX/2019, I received an offer for a Gold American Express Delta miles, offering me XXXX miles if I opened an American Express Card and spent {$2000.00} within the first 3 months. I was surprised as I had received this same offer at least a year earlier, was awarded the XXXX miles and then closed the account. 

I called American Express and spoke verbally to a customer service representative and asked her to confirm ( at least twice ) that I was eligible for this offer. She actually put me on hold to check. I clearly stated that I did not want to open a new account, obtain a new card, if I was NOT eligible for this offer, for the XXXX miles. When I received the new card in the mail, I began the process of adding this card to my online profile/account and decided at that time to confirm the award of XXXX miles. 

I called American Express three times beginning on XX/XX/XXXX and all three reps said I had not been eligible for the offer. I asked them to honor the offer as it had been confirmed to me by the rep. All three times, they said the would listen to the recording when I opened the account/card - and someone would get back to me. I know there is a recording out there of the rep confirming I was eligible for the XXXX miles. No one ever replied to me and I am angry that I opened this account, which has affected my credit record - and was completely misled - and lied to by American Express.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (SC)

Used Lowe 's credit card to purchase washer, dryer, etc during XX/XX/XXXX sale and did not go through the card. We ended up using our own personal debit card to purchase all of the items and Lowes refuses to refund the amount on the Lowes credit card even though we have proof that we paid for it via our XXXX debit card. 

We have spent several hours on the phone with Lowes and they refuse to refund the amount.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/XXXX my checking account was deactivated by Chase, after many years of being a client they could not verify my SSN. They requested me to go to a branch and bring a copy of my XXXX, which I did. In the meantime, my direct deposits from my employers were held. I asked several times to different representatives from Chase if my direct deposits were going to be released after my account was reactivated and all of them said yes. 

After 2 days my account was reactivated. I called several times to check on the status of my direct deposits to which they responded " They will be released soon, you should not worry call us later ''. As I mentioned I called not once or twice but multiple times. Finally, I received an email from the payroll department at my job saying that the bank rejected my direct deposits and they were unable to complete the transaction, therefore they needed to mail me the checks. I called the back and they said " Yes we are sorry, we rejected those deposits " This is unacceptable behavior from the bank, first deactivating my account after several years of being a client, then holding my money and giving me wrong information, and finally rejecting my direct deposits. I have several bills to pay XXXX including rent and credit cards ) and they will be overdue thanks to this bank mistake, for which they just offer an apology when this is not my fault at all
Consumer complaint received 2022-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Credit Karma (NV)

I had credit karma as my text I know text return repair I had an anticipation loan that I was pre approved never got that money I also did 2 money transfers which stayed double charge me and never give me the money back for {$600.00} all of this I have paperwork in documents stated and I couldn't tell you that amount of phone calls I made that never got me anywhere with credit karma they ruined my experience with XXXX XXXX forever
Consumer complaint received 2024-02-09
Product: Credit reporting 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. (NC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identified that resulted from a alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2018-09-09
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: UNITED ONE RESOURCES, INC. (MD)

I inquired about whether my credit was good enough for a pre-approval on a mortgage.I emphasized to the lender ; I can not afford a hard pull. However the lender ; under " United One Resources ;. This is showing as an inquiry on XXXX  ; XXXX and XXXX.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

American Express continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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. (GA)

PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, XXXX AND TRANSUNION ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME 479 TO 484 AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.