davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (FL)

syncrony bank is calling me constantly claiming i owe them money but i dont ... .they are basically harrassing using machines to call me from XXXX to XXXX 7 days a week ... all my accounts are current
Consumer complaint received 2022-10-15
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. (CA)

This is my 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 items 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 XXXX XXXX XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I was discriminated by PenFed for a line of credit. I exercised my rights in good faith and did not receive an adverse action letter. Credit is my right and a credit score is not a requirement for credit to be extended. I have exercised my rights further and have gotten inaccurate information off of my credit report and still the credit reporting agencies are causing me great harm. Penfed and I entered into a consumer credit transaction and I received no benefit from this transaction. The inquiry is proof of this. I received no documentary evidence of who benefited from this transaction and I would like to know who did because it wasn't me, the consumer.
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit card account with Bank of America ( BOA ) ending in XXXX was paid in full and noted as a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, I was charged XXXX. XXXX in interest. I contacted BOA on XX/XX/XXXX in an attempt to understand why this interest was charged to my account. I spoke with several representatives who failed to give me a satisfactory reason for the interest charge on a XXXX balance. I was repeatedly told, " the interest is charged on the back end. '' To gain clarity, I asked to speak to a supervisor. I was transferred to supervisor, XXXX XXXX, who was very rude and unaccommodating. XXXX was blunt and rude and refused to make any adjustment or provide any credit to my account although I've been a loyal customer for several decades. XXXX repeatedly indicated, " interest is charged on the back end. ". I've had previous BOA credit card accounts and after paying the balance in full, I was not charged interest " on the back end '' as I've been told. Please see the attached statement that supports this claim.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I have my reoccurring fees set up to be pulled from my account on the XXXX of every month so I can always be sure that I wont be charged an insufficient funds fee. However to my disappointment it does not matter that I am attempting to be responsible with money, Chase bank always posts the reoccurring fees last according to the representative I spoke with. This way they can charge consumers the most money.

3 reoccurring transactions debit my account on the XXXX of every month. In this case XX/XX/XXXX. I received a direct deposit from my place of employment and then as normal, any reoccurring fees are taken out first thing in the morning. I had enough to cover these reoccurring transactions Chase posted them on Tuesday, XX/XX/XXXX, not in the order they came in but purposely at the end to maximize their profit. They post these transactions this way because I currently have debit card coverage switched off and because of this, they cant charge my account {$34.00} for everyday debit card transactions. So I was charged 3 separate {$34.00} fees for the reoccurring transactions which apparently are treated differently than normal transactions. Obviously this isnt true because other banks, XXXX XXXX, treat this the same as any other transaction.
Consumer complaint received 2019-03-19
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-03-07
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. (CA)

Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX  as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citi violated the cardmember agreement by refusing to allow me to make payments on my account. I am currently engaged with Citi in arbitration over the matter. Despite this, Citi has reported my account as delinquent.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-03-19
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was notified of a late payment for a loan I never took out, it was apparently fraudulently done through regional finance. I filed a police report and sent in all documents that regional finance required to dispute the ownership of the loan. They promised to remove it from my credit file and it has not been. It is now in charge off. I have disputed the fraudulent loan that I never opened with all three credit bureaus multiple times and it still has not been removed from my credit report. These people are a terror and need to be stopped from wrecking anyone elses credit because they allow fraudulent loans to be opened without any identity verification.
Consumer complaint received 2019-03-19
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: EQUIFAX, INC. (SC)

I am reading information on my report and when equifax tried to verify me they say the information I am providing is incorrect. This is just their way of stalling a dispute
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

On XX/XX/2021, the USPS forwarded a letter to me from Equifax Information Services LLC. Equifax had addressed the letter ( dated XX/XX/2021 ) to a 3 year old address that is no longer on my Equifax credit profile. I was unable to dispute the address online with Equifax because it's not listed on my Equifax credit profile as my current or previous address. Equifax was made aware of this issue several months ago but has refused to cease sending mail to former addresses. This is the 2nd letter I've received from Equifax that they've mailed to addresses at which I haven't lived in several years. I have attached a screenshot of the letter for evidence.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (CA)

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to XXXX, Experian, XXXX regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to 3 credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this 3 credit bureaus.
Consumer complaint received 2020-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Today America First Credit Union seized a car that i signed over to another party because their information states its in my name i informed them as well im in the process of filing for bankrupcy and they still proceeded with debt collection activities fully in violation of the fdcpa. I need assistance in retrieving the vehicle and filing a claim for the fdcpa violation.
Consumer complaint received 2022-05-02
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)

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to XXXX, XXXX, Equifax regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to 3 credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this 3 credit bureaus.
Consumer complaint received 2020-01-29
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've sent a previous complaint about the FCRA violation from a creditor as well as all 3 credit bureaus. I requested a copy of a signed contract along with the statue of limitations and charges that said creditor is saying that I owe. It's been 8 months and the only thing they've sent was a weird statement showing interest charges from a card that I've never had. This also violates my rights, because it was removed about a year ago and has since been Reinserted and I was never made aware of this from XXXX XXXX which is another violation. This debt has never been verified thus the credit bureaus have allowed it to come back on to my profile showing verified. How can they be allowed to do with a bogus statement. This is not only hurtful especially because I do not owe this debt at all. My son is in his last year of school at XXXX College in XXXX and this is preventing me from paying his balance with a Parent Plus Loan so that he can graduate on XX/XX/2020. This debt is not mine please force them to remove this immediately. 

My previous Complaint ID # XXXX Warmest Regards, XXXX XXXX
Consumer complaint received 2018-03-07
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. (IN)

Experian has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Experian will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Experian that information is accurate. This is the response i was given on XX/XX/XXXX after disputing it again on XX/XX/XXXX. Experian will not provide me with the name of the company so that i can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible. 

Additionally, they deleted a bankruptcy account from XXXX XXXX as it stated included in bankruptcy. I disputed this account as not mine as i had not filed bankruptcy. This was disputed on XX/XX/XXXX and deleted on XX/XX/XXXX. How do you delete an account attached to a bankruptcy that is not mine but not the bankruptcy itself ...?
Consumer complaint received 2018-02-16
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 contacting your company because there is a fraudulent school account on my credit report which I keep contacting your company to have removed as it is fraud and does not belong to me as I am a victim of identity theft. My ex husband was deported for using my indentity as well as my sons. So please remove these items as they are fraud. The first item is a credit inquiries from XXXX  XXXX XXXX   XX/XX/XXXX which is fraud and I would like removed at once and the second item is XXXX XXXX known as XXXX XXXX XX/XX/XXXX for the amount of {$1400.00} showing up as a degetory item on my report but this is fraud because this item does not belong to me and I have continued to complain about it please remove this because it is fraudulent and was not opened by me as I am a victim of identity theft
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (IL)

I have had the credit card for several years and have always paid full balance didnt carry a balance. Barclay Bank closed the account recently. I tried to redeem the rewards as I have accumulated over the last few years as statement credit, couldnt do it online, so I called the customer service, was told it will be redeemed and applied as statement credit within 7-10 business days. But instead I received a letter in the mail that stated can not assist me with the rewards redemption.
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX XXXX  falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.
Consumer complaint received 2019-03-19
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. (FL)

Equifax, XXXX and XXXX  are reporting incorrectly a collection for XXXX XXXX XXXX XXXX, partial account number XXXX. This collection apparently occurred when I had moved from XXXX to XXXX. I called XXXX XXXX XXXX XXXX to close this account because I paid my final bill. I have the receipt for the final bill. I recently checked my credit report and I have a collection with XXXX XXXX XXXX XXXX reporting with all three credit bureaus. I contacted customer service at XXXX to see why they would send me to collections when I paid the final bill and the manger on  duty could not verify my address, date of birth, social security number or forwarding address that I provided for the XXXX XXXX XXXX XXXX account for XXXX. The manager stated to me that even though they could not verify any of my information, the collection would stay on my credit report for the next seven years. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint against XXXX XXXX XXXX XXXX, however I was informed that utility companies are not regulated by this Bureau. Therefore, I am filing this complaint with all three credit bureaus for incorrectly reporting this on my credit report. This reporting is harming my credit score. to have these items removed from my credit report.
Consumer complaint received 2021-03-02
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: Experian Information Solutions Inc. (TX)

Over the past 4 weeks I have tried in several occasions to stop the use of my credit - several times my credit has been pulled and someone is trying to use my information to open credit accounts!! I want this to stop as it is hurting my credit score! This is fraud- I am now going to place a freeze but I would like the hard credit runs to be removed NOW!!