davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] XXXX XXXX [ XXXX ] [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ REGIONAL ACCEPTANCE CO ] [ XXXX ] XXXX : [ REGIONAL ACCEPTANCE ] [ XXXX ] XXXX : [ REGIONALAC ] [ XXXX ]
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to XXXX XXXX, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (PA)

Having a problem with Best Buy convenience checks issued to XXXX XXXX XXXX... I made XXXX check out to XXXX & XXXX bank to pay off credit card XXXX XXXX XXXX XXXX and it bounced from Citibank back to XXXX & XXXX bank because of insufficient funds and I was charged {$25.00} in the process. I contacted Best Buy ask them to take that off my acct. XXXX XXXX XXXX XXXX and close my acct. with them... prior to this I had a zero bal. with them the check in question was in the amount of {$2400.00}. I want this matter nullified and wish not to do business with Best Buy. Thank you for your help in this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Pa XXXX Cell : XXXX
Consumer complaint received 2018-03-21
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. (OK)

In XXXX of XXXX I became delinquent on my consolidated student loan. In XXXX of XXXX this information was reported to credit reporting agencies. For example my XXXX  report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My Equifax reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XXXX of XXXX. XXXX  does not report this original account. 

This account was transferred for collection within the Department of Education. The collection account is being reported to XXXX, Equifax, and XXXX. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623.  Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, Equifax, and XXXX. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Consumer complaint received 2024-03-22
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. (GA)

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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2022-09-07
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: PNC Bank N.A. (MD)

On XXXX XXXX my phone was hacked and they went into several accounts and sent money to other people. I contacted Pnc and put in a report that my card was compromised. They sent a letter back saying they found the charges to be legit. I didnt make this transaction of {$2000.00}. This charge was made through XXXX who also refused to refund the money stolen.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

Tried to call Amazon about their credit card and fixing an issue I had. They had me download XXXX XXXX and took over my phone, asked me to log into my bank account- which I did not do, but clearly had access to my whole phone where there was a lot of personal information stored. Possibly had access to credit card and banking information
Consumer complaint received 2017-04-26
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. (AR)

My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.
Consumer complaint received 2020-10-07
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. (MO)

I've requested that the following accounts be blocked and removed from my credit file due to the fact that they are not mines due to my identity being compromised. I've also requested a Method of Verification of your previous investigation of this matter. Either I'm provided with this request or you and your companies shall removed these accounts immediately. 

1. XXXX XXXX XXXX  {$700.00} 2. XXXX XXXX XXXX  {$120.00} 3. XXXX XXXX XXXX  XXXX 4. XXXX  XXXX XXXX  XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX unknown 7. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (VA)

This involves myprepaidcenter.com. I received 2 prepaid cards in class action lawsuits, one for {$4.00} XXXX and the other {$7.00}. I've tried to use them numerous places, but no one takes them in store because there isn't a QR code. The website lists a few limited places you can use online but they don't work with those limited places either. This is a fraud cause the company gets windfall due to inability to use the cards. I just want my settlement money!!! And now none of their customer service numbers work. FRAUD!
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (CA)

1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX 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 XXXX 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-02
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. (GA)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

On XXXX XXXX, XXXX I checked my Equifax credit report and noticed that my credit score decreased by several points due to a recent change. Upon checking the alerts, I noticed that several accounts that had been deleted from my report were added back on to my Equifax credit report. I then went on to check XXXX and XXXX and saw that they did not do this. This was clearly a problem specifically with Equifax. I called Equifax and spoke to a representative who informed me that there is nothing she can do and that Equifax is not the source of the problem. I would also like to mention that I never received a 5 day notice of any items being added back to my credit report. This mistake caused by Equifax has caused my score to decrease and has also re-aged the accounts that were at one point removed. I demand that Equifax remove these items from my credit report AGAIN and keep them removed as they have caused enough damage.
Consumer complaint received 2024-02-16
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. (MI)

this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have disputed public records that are displayed on Credit report from the XXXX reporting agencies. They have not furnished proof and claimed that the information was accurate, and it was received from XXXX XXXX. I sent in documents from XXXX XXXX showing that the bankruptcy has been removed from their reporting and it is inaccurate therefore it shouldn't be reporting on my report. this blemish on my report is preventing me from credit from lenders and is defaming my character. I can't seem to get any response in reference from the CRA. 

Also having the same issue with a XXXX XXXX that is inaccurate. I have also asked the CRA to Furnish information on the validity of this creditor on my report.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (TX)

Credit agency is Credit Control Agency Amount {$280.00} Paid in full XX/XX/22 Filed dispute with XXXX XXXX. Dispute came back as no change, amount still owed. I contacted Credit Control Agency and provided screen shot of XXXX dispute status as of XX/XX/22. I am not able to submit another dispute for this and the credit agency will not update with XXXX.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I had recieved a XXXX capital one rewards credit card with a {$3000.00} limit i ended up maxing the card. i had tried XXXX to make a full payment and get the card paid off however when i did so the first time it came back that because the card was not mine or had my name on it they had requested a bank statement i informed them that was not possible and then i had proceeded to ask if they would jujst remove the card and allow me to make a payment in another form. they told me they could not remove the card and i said wewll why is that basically because the card is not in my name they were going to lauch an investigation to see there was no fraud taken place thats when i had proceeded to tell them ( my line of business i do on the side i work for an escorting service ) at that point i was extremely upset because why should i have to devulge my personal business like that and that the payment in full of my credit card was gifted to me buy a customer of mine. they was not interested in hearing anything i had to say i had even added another card hoping that if payment was made in full they would change the decision to not remove the first card as to which none of that was done. so now im stuck with a {$3000.00} credit card and its starting to accrue interest already it was XXXX now its at {$3200.00} also any rewards points i had recieved is not available to me because now they have restricted my account. they really expect me to pay for a credit card when they are not willing to help me anytime i have tried to pay them or ask for help..i refuse to be bullied or pushed around by some corporate big credit card company they are the ones that are wrong in this situation and i wont stop til someone somewhere will listen to me give me my options if any and make this company make their wrongs right. again my name is XXXX XXXX and my date of birth is XXXX ( XXXX ) XXXX if there is anything else please feel free to contact me anytime of the week anytime.