davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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: BARCLAYS BANK DELAWARE (PA)

XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.

XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.
Consumer complaint received 2018-09-20
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. (GA)

After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with XXXX XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX ; which is false. I contacted TransUnion by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XXXX I filed a XXXX XXXX which I had a loan with one of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/XXXX which again I did not intitate and I never received any other loan from them. XXXX XXXX XXXX XXXX XXXX has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
Consumer complaint received 2023-07-17
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)

I have attached the consumer disputes. 

I have attached the disputes and copies verifying my identity and would like Equifax to mail me a full credit report disclosure and the investigation results,
Consumer complaint received 2021-05-23
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: EQUIFAX, INC. (DE)

On XX/XX/21 I sent dispute letters via certified mail to all 3 bureaus. On XX/XX/21 I followed up with a demand to comply letter, again sent via certified mail. To date, I have not been notified in regard to any of these accounts. According to the FCRA these accounts must be removed immediately from my consumer report. 

I XXXX XXXX am submitting this complaint, not a 3rd party. Thanks!
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I have contacted Wells Fargo regarding the cancellation of PMI stating that my loan is under 78 % LTV and the automatic cancellation of PMI should apply. They have sent multiple letters back stating an appraisal would be required because they need to assure that the value has not gone down. However the Homeowner Protection act does not allow for this. They are also using the wrong calculation for calculation and state that I am at 79.8 LTV because they are using the purchase price of XXXX to calculate rather than the original appraisal of XXXX. My loan amount currently is XXXX which is below 78 % of the original value.
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

On XX/XX/2020, a transaction was made for {$460.00} from my checking account. The transaction was made through a vendor I have used in the past, XXXX, but was not authorized by me. It was a money transfer to an account that I am unaware of, have no relations to, or ever gave permission. It was a fraudulent charge so I called chime and cancelled my card and requested a new one. I filed a dispute twice and was denied because they claim there was no error. I contacted XXXX XXXX  and they confirmed that my account never made the transaction. This is 100 % a fraudulent charge and I believe if the problem was actually investigated and the account receiving the money was looked into, it would prove that I did not authorize any transaction. I have not even received an explanation as to why I am denied my dispute.
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NE)

I attempted to XXXX XXXX on XXXX of XXXX ; my wife rushed me to the hospital and saved my life. After being on the hospital for 3 days I left the hospital and got billed for the use of the hospital and the ambulance. I was a college student at the time and did not work. I apply for financial forgiveness at the hospital, and a couple of weeks later I got a letter from the hospital stating that 100 % of the bill was forgiven. Now on XXXX of XXXX I get a called from a collection agency attempting to collect this debt. The name of the company is Radius Global Solutions.
Consumer complaint received 2023-07-16
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. (FL)

Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents XXXX. identity theft on my consumer report. Please remove all accounts off my consumer report please.
Consumer complaint received 2023-01-30
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. (AZ)

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2021. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2022-01-08
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. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

Trans union has been repeatedly reporting false and inaccurate information on my credit report. I have disputed the address, phone numbers and other information and they just keep placing whatever they want on my report even though it is not correct information. they don't actually investigate because if they did, they would know that they are reporting wrong information. They know at this point that the information is false and they have deliberately placed the wrong or false information on my credit report which has my name and personal info connected to other wrong information that is not mine.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I am writing to SYNCB/ROOMS TO GO ( Opened XXXX XXXX, 2018 ) agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/ROOMS TO GO agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CarMax, Inc. (CA)

On XX/XX/2021, I contacted XXXX to find out how to place a freeze on and remove a freeze from my credit report. I said I was going to cosign a loan so my granddaughter could purchase a car, and I asked when I should unfreeze my report. I was told I could do it when my granddaughter decided what car she wanted to buy. I was NOT told that it might take a couple hours for my report to unfreeze, so I should unfreeze it and have the car dealer wait a couple hours to check my credit. Therefore, what happened when we applied for a loan on XX/XX/2021, is that CarMax tried to check my credit but was unable to ; and then other financial institutions also tried to check my credit but also were unable to because if CarMax denies a loan, the system automatically goes to the next lender and the next lender and the next, until it gets to the end of the list of lenders. This has resulted in three hard inquiries being added to my credit report and my granddaughter 's, CarMax plus two others. If XXXX had told me to wait a couple hours before allowing CarMax to check my credit, my loan would have been approved by CarMax - as it was when my credit was checked after the freeze was finally lifted a couple hours later - and it would not have been necessary for the other lenders to check our credit, and the only hard inquiry would be CarMax. It is XXXX 's fault that these two extra inquiries are on our reports, not mine or my granddaughter 's. Also, CarMax did not warn us that if the system resulted in multiple lenders checking our credit, it could result in multiple hard inquiries being added to our credit reports. Had I known that the way CarMax does business could result in extra hard inquiries being placed on our credit reports, I would have gone to a different car dealer and not done business with CarMax.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my TransUnion and XXXX credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my TransUnion and XXXX credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
Consumer complaint received 2022-10-17
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. (AZ)

This is my NUMEROUS 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 items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Hi Old Navy CC ; SynCB ; I'm little confused that you even allowed to mark me late on XXXX & XX/XX/2021 for 30 days last during XXXX. I was actually shocked today when i reviewed my credit report from all major credit bureaus and noticed those late payments as mentioned. I am not sure how this happened, but I believe that i made the payment as required on the dates stated and noticed that you took it from my bank account when i received my statements. My only other thoughts are that my monthly statements did not get to me on time.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX transferred account to XXXX XXXX. XXXX is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX, Equifax and XXXX. This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

On XX/XX/XXXX I had my tax advance of XXXX deposit into my credit karma bank account. Credit karma froze my account and will not allow me to withdraw any of my funds. They will not tell me when they will unfreeze my account or even why its froze. I have gotten nothing but the same generic response from everyone I spoke with saying to wait it out. I was depending on my money to pay my bills. Now they are not allowing me to take it out. I need help.
Consumer complaint received 2022-04-06
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. (NY)

file # XXXX I sent a report for the 5 inquiries to be removed and you guys sent me a letter back verifying the inquiries. According to 15USC 1681 I, its my rights to have a verification of the procedure of the investigation that you did to verify the inquiries in my credit report. Failure of verification i would like to have these 5 inquiries removed immediately or else for each inquiry if no response over 30 days is a {$1000.00} non compliance per violation.

15 USC 1681I i have the rights of the summary of the description of the reinvestigation in detail which i should have the sources, file and the report recipient. 
Failure of the summary of the description of the reinvestigation will be a Non compliance judgement of {$1000.00} per violation
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (FL)

I received a notice to collect a debt from UNIFIN for XXXX forb {$5500.00}. Current creditor XXXX XXXX XXXX, That amount seemed very high so when I called they said it was from 2008 so I asked why have I not received any bills or collection calls, they said they had been sending bills to:XXXX XXXX XXXX XXXX XXXX Florida XXXX. That is not my address! Then I went on the credit bureau I saw this address on XXXX  & XXXX. I lived in XXXX in XXXX but not at the address above. I lived XXXX of XXXX, from what I can remember I lived near XXXX XXXX XXXX, the address above seems to be closer to the XXXX & XXXX.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXX Dear XXXX GA XXXX XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) ; the XXXX XXXX XXXX under Sections 392.301 and 392.305 ; and identity fraud laws, specifically Texas Penal Code Section 32.51 . It has unequivocally come to my attention that [ company name ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Texas state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas XXXX XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for [ company name ] to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. I demand that [ company name ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I anticipate your immediate attention to this matter and expect that [ company name ] will promptly rectify these egregious violations, respecting my rights under federal and state laws. Sincerely, XXXX XXXX
Consumer complaint received 2021-07-20
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. (TN)

Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX XXXX raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.
Consumer complaint received 2020-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

There is an account with capital one appearing on my credit report, This is a surprise because i have not ever applied for a credit card with them. they show a balance of {$820.00} and theres no way i am paying someone elses balance. i have sent in many paperwork with the bureaus providing signatures and personal information with no luck. please help