davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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: EQUIFAX, 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 XXXX XXXX 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 2023-10-31
Product: Credit 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: GOLDMAN SACHS BANK USA (CA)

In XXXXXX/XX/2023 a fraudulent charge was made on my Apple Card ( Goldman Sachs Bank USA ) for {$660.00}. I have disputed this charge twice and both times they ruled that I made this purchase. Now they keep telling me I need to prove I didn't make this purchase. It looks like it was a money order sent to a XXXX XXXX in XXXX. I have never used a XXXX XXXX in my life.
Consumer complaint received 2024-02-07
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. (FL)

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.

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-01-20
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. (IL)

I previously requested to dispute a bankruptcy that was reporting on my XXXX, Equifax and XXXX Credit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my XXXX consumer profile only to learn that they were the one 's who misreported the public record. XXXX was the furnisher of this item and has since deleted it from my profile. The letter that XXXX submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. XXXX failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from XXXX confirming deletion! I have also contacted emailed XXXX to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I'm trying to dispute these because I have already contacted the agencies on the date of XX/XX/year>. I have sent them a letter but they have stated that they can't remove it because it's been verified. However, I need to have these removed because of the law.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I received a letter in the mail that my Business account and all my credit cards will be shut down. I know have to look for another bank and start a new account and get approved for credit cards. This will be a major issue as we have payment and going every day out of our account.
Consumer complaint received 2018-01-23
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 have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.
Consumer complaint received 2024-02-07
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please contact XXXX and Transition in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXXXXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (SC)

So my account has a large amount of money in it and Synchrony bank has restricted my account due to lack of proof of address and identity. I have sent proof of my drivers license, electricity bill, and letters of proof, via email, mail, and their website. They claim they have not received anything and are not unrestricting my account and holding my money hostage. I have also asked to talk to supervisors and they put me on hold and then the phone gets hung up.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

XXXX, Experian, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, Experian, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called XXXX and Experian to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, XXXX, and Experian have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, XXXX, and Experian are in direct violations of the fcra. XXXX, XXXX, and Experian is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. Experian, XXXX and XXXX can not continue to violate my rights.
Consumer complaint received 2021-11-01
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: TD BANK US HOLDING COMPANY (CA)

I have called and am now writing Nordstrom regarding a charge for an item I returned that has not been credited. I purchased 6 bras on XX/XX/2021, online at Nordstrom.com. The items were sent in 3 packages of 2 each. The first package which said it was delivered ( I get notices in my email ) did not arrive. The second and third package arrived within a day of each other. I returned the remaining 4 items on XX/XX/2021 using their Nordstrom label which I obtained from their website online following their protocol. 

I called them on XX/XX/2021, regarding the package that did not arrive and they credited my account for those 2 items. I then received a bill from them for some of the items due XX/XX/2021 so I called the credit department to check on receipt of the package I mailed but they did not receive it. They told me to pay the minimum due and wait. I paid {$38.00} on the XXXX. I then proceeded to call them on XX/XX/2021, where I got a case number and XXXX of the remaining 4 items were indeed credited in a timely manner. I called back on XX/XX/2021, when I realized that one item was not credited. I was told it would be in 3 days. I called XX/XX/2021, and was told the charge got auto denied and she would try to override it. I requested that someone contact me when this was done. I called back on XX/XX/2021 to make sure that my interest charge was reimbursed and to once again check the status of the return. The interest charge was credited but not the item. I was told it was sent to the correct department but it took 5 days from the date sent to this department to be recorded something the previous supervisor did not tell me instead assuring it would be done in 3 days. I doubt she knew of this 5 day time frame. This time I was again reassured I would be credited on Friday XX/XX/2021 by XXXX XXXX. I wasn't. 

It is XX/XX/2021 and my credit card once again is due on XX/XX/2021 with the remaining balance for this charge. I am not paying it ( it is under {$50.00} ) and I am sending them a letter of dispute to go along with my phone calls. I will be mailing it via certified mail. I am requesting your help in resolving this issue. 

The surprising thing about this is XXXX had a stellar reputation or so I thought. I am quite disappointed in their inability to get this done and their continued statement of another 3 or 5 days. XXXX on the other hand credits me without documentation and only my word. I buy a lot from them but still I believe that is their policy and probably why people purchase from them. They credit once they receive information from the carrier that the package was sent. Why can't other companies learn from this practice? They have great customer service. Nordstrom not so much and their reputation has not only a blemish but a huge spot on their record and it would take a lot for me to order from them again.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (WA)

I was given a cashers check from XXXX XXXX i signed the XXXX over to my daughter she deposited at her bank key bank they cashed the check 3 days after we deposited XXXX XXXX told us they no thier was no fraud in this deposit but still will not release the funds XXXX XXXX would write me a new check but they can not because they have already cashed it what can i do
Consumer complaint received 2024-02-07
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.

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 2021-10-05
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. (SC)

I have been sending in disputes since XXXX of 2021. I still have not received any results. Every time it is verified. The information they are reporting is not correct.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America needs to be investigated or shut down they are hiring employees that dont know how to do what the customers need them to do someone filed a room without my permission on XX/XX/XXXX they left my account pending for XXXX weeks the person. Assigned to my case in the back Office got upset me because I made complaints about my account whoever he or XXXX is went into my account and found a claim From last year and out my account in the negative they waited XXXX weeks to tell me That one of the representatives did my claim wrong and actually duplicated my claim Last year but Im Just finding that out when they put my account in the negative thanks to them I have no money to pay bills at all and they are not treating my account right at all Im currently looking for a lawyer because I feel I need to be compensated for XXXX years of incompetence from a bank that is supposed be professionally but they are just lost Confused uneducated thiefs and liars to their customers amd they are stealing from the poor my claims have police report numbers iv faxed over but Im being told that they have no record but I have proof that I did send it in more then once shut this bank down now please
Consumer complaint received 2024-02-07
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 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 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 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Back in XXXX, I sent a letter to Equifax and XXXX XXXX ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

My loan was paid off by another lender to Wells Fargo and they are still listing this debt as charged off and closed. They agreed to reflect this debt as paid in full and remove any negative items but continued to show this debt negatively impacting my credit report.
Consumer complaint received 2024-02-07
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. (IL)

The following ( ACCOUNTS ) are being disputed for Id theft. 
XXXX XXXX closed XXXX XXXX XXXX XXXXXXXX XXXX closed XXXX XXXX XXXX XXXX closed XXXX XXXX ( INQUIRIES ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2023 XXXX  on XXXX XXXX FTC report ( XXXX ) attached