davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been reporting the Date of last activity incorrect on my credit report. Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for TransUnion. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.
Consumer complaint received 2022-07-16
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX  XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-09
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$910.00}.
Consumer complaint received 2020-05-27
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (FL)

In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary  damages.
Consumer complaint received 2024-02-12
Product: Credit 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 (DC)

I paid off my credit in full in XX/XX/XXXX. In XXXX they ( Target Card Services ) billed me and renewed automatically a delivery service called XXXX for {$99.00} and I called and advised I did not want the service and to remove it. Target stated they would investigate and get back to me. Then I get another bill in XXXX with a late penalty plus interest and the charge is still there. I called them again and they told me that they deny the dispute so I went through it again and they said they would get back to me. On XX/XX/XXXX " XXXX '' advised me that the dispute was closed because they had sent me a gift card for the amount of the dispute via email. I never received nor would I accept a gift card for the disputed amount instead of having them remove the original charge as they are still apply penalty fees and additional interest charges and their XXXX service stopped working for me ( basically I could no longer order from the XXXX XXXX store in XXXX XXXX  - their service only allowed me to order from other smaller stores in XXXX that do not have the all the items I need and I complained about this since XXXX so there was no reason for me to renew this service ). Target continues to bill me penalties and fees and interest now for 3 months and will not fix the issue. I should not have to pay for a service that does not work and that I advised them of repeatedly. Also I never received their alleged gift card nor has it been cashed!!! I need for them to resolve this issue by removing the original {$99.00} charge, the interest and the penalty fees and advising the XXXX credit bureaus of their mistake. My credit score has dropped over XXXX points! Help please!
Consumer complaint received 2023-04-20
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-04-20
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)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In Accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 16881 section 602 A. States a I have the rights 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 XXXX  XXXX XXXX XXXX Account XXXX XXXX Office of the Attorney General XXXX Texas current balance : {$91000.00} XXXX Child Support : {$91000.00} XXXX XXXX XXXX CURRENT BALANCE : {$1200.00} XXXX CURRENT BALANCE : {$670.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never worked for XXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.
Consumer complaint received 2022-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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 ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX  ( 3 ) XXXX XXXX XXXX, XXXX - XXXX XXXX
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (OH)

Dear Sir/Madam, My name is XXXX XXXX XXXX On XX/XX/XXXX, I transferred an amount of {$1600.00} to XXXX XXXX in XXXX through XXXX, whose US Head office is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. On the said date, my intention was to transfer {$160.00} but ended up sending the above amount. Upon realizing the transaction error, I tried to contact sendwave to no avail. I therefore contacted XXXX in XXXX through my family to reverse the transaction which was effected ( evidence of transfer and reversal is attached to this email ). Because I was having difficulty contacting sendwave, I contacted my bank ( XXXX XXXX XXXX XXXX ) to request a charge back whose action was set in motion. 

I later received an email from sendwave informing me of the suspension of my sendwave account due to it being under investigation to which I replied. On XX/XX/XXXX, I received another email from sendwave to check my XXXX bank statement for the credit of {$1600.00} to my account. I am saying on record now that this money has not and has never been credited to my account as was purported by sendwave. 

Based on the above information, I am writing to your institution for help in retrieving my money from sendwave. Please find attached evidence of traction, reversal and communication with sendwave. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-15
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. (TX)

i noticed on my credit report XXXX XXXXXXXX XXXX account number XXXX was incomplete and inaccurate. i disputhed this account and it remains on my report. i now have proof that the fair and thorough independent investigation was never carried out by all parties involved that being Equifax XXXX and XXXX. first off Equifax doesnt even have an account number listed for this account which is incomplete and the contact info is different on each report. and the open date is incomplete.The date of first delinquency is also wrong Equifax has it listed as XX/XX/2016 when it clearly shows that date to be paid on time. How was this information passed up/ looked over? proof that they did not investigate. i am requesting proof of investigation and this account must be deleted for being in violation of the FCRA. Proof is attached in Documents.
Consumer complaint received 2024-02-12
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. (DC)

I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (NC)

I have tried for several months to explain to Albert Genius that I can not close my account. They advised that I needed to completely withdraw funds from my account. I no longer have the account with chase that was originally linked. I linked my new bank account but it will not allow me to transfer. I have contacted them and they are unwilling to help. I have asked them to close this 4 months in a row and they continue to hold my funds and also charge me a monthly fee of XXXX dollars. I would honestly like this to be closed and my XXXX dollars refunded for the months that I have been trying to close this.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is reporting incorrect information to my credit reports. This is an illegal practice, according to consumer law. XXXX XXXX has been notified of this error, as have all three credit bureaus as well. They have totally ignored my disputes and have not sent results to my address. Under the FCRA, Section XXXX ( a ) ( XXXX ) ( A ), it is mandated that consumer reporting agencies ( credit bureaus ) must ensure the accuracy and completeness of consumer information in their reports. This includes investigating and correcting inaccurate or outdated information when consumers dispute it. You have the right to dispute any information on your credit report that you believe to be inaccurate, and the credit reporting agency is required by law to conduct a reasonable investigation and remove or correct any information that can not be verified as accurate. The date opened is incorrect and does not match the information on all reports. No, term months are incorrect and do not match. The last reported and last day active are incorrect and do not match. I've enclosed and/or provided a copy of all three credit reports for review to support my case.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These are unauthorized inquires being reported on my Transunion credit report. I have submitted an identity theft report. 
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 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 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Open my Truist checking account on XXXXXXXX XXXX XXXX XXXX made a deposit, They placed a seven day hold on it. Which cleared yesterday and then my account is still Block calling customer service every day been going to the branch every day with no resolution basically holding my money hostage.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

About two years ago I was receiving unemployment benefits ( I live in NJ ), and I was being paid via Bank of Americas CashPay program. 

I had to make a dispute because my card had several purchases I did not make. The lady told me they would investigate and reimburse me based on their decision. A few days later I was reimbursed. A few weeks later my account was frozen and the balance was changed to around negative {$3000.00}. Also, I could no longer claim the remaining 10 months of Unemployment Benefits which would have been over {$10000.00}. 

I tried everything. I called the NJ Unemployment Office everyday, I called Bank of America everyday, but they told me it was the other partys problem to fix. I never received another dollar from NJ Unemployment. Bank of America eventually reversed the Fraud decision and put my balance back at {$0.00} instead of $ XXXX. By this time it was too late, the Covid unemployment benefits were finished and the deadline to claim it had just barely passed. 

I still have not gotten a call or email about it. Obviously, I also never received the {$10000.00} owed to me. 

Hopefully the new ruling will allow me to receive the Unemployment Benefits still owed to me, even after almost 2 years. I do want to say NJ Unemployment did NOTHING to help me. I called everyday for MONTHS. 

If you need anymore information feel free to ask. I really hope you can help!
Consumer complaint received 2023-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX  IS A DEBT COLLECTOR TRYING TO COLECT ON A MEDICAL DEBT, THAT MY INSURANCE, MEDICARE AND XXXX SHOULD HAVE HANDLED, THEY ARE FALSELY CLAIMING I OWE THEM XXXX, FOR XXXX. I AM ON SSDISO MY INCOME IS FEDERALLY PROTECTED FROM THIS COMPANY. I WISH FOR THEM TO HAVE THIS REMOVED FROM MY CREDIT FILE, BUT FOR NOW HAVE IT NOTED THAT IT IS BEING DISPUTED.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Western-Shamrock Corporation (TX)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX and 30 days late payment on the date XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I adamantly challenge the inclusion of an alleged late payment on my credit report, as purported in your recent communication. Upon scrutinizing my credit dossier, I was appalled to stumble upon an entry insinuating a failure to remit timely funds to XXXX XXXX XXXX XXXX in XX/XX/2021. 

It is imperative to emphasize the egregious disparity in the account number across various iterations of my credit reports, a blatant transgression of the Fair Credit Reporting Act ( FCRA ). I categorically assert that I have rigorously adhered to the obligation of punctual payment across all financial accounts, including the one under contetion. There exists not a single instance of tardiness in settling dues on this account, and I possess an arsenal of indisputable evidence, including meticulously maintained bank statements and payment records, to fortify this assertion.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (NM)

To their credit, Waypoint Resource Group LLC paid attention to the cease and desist letter my lawyer sent. Cybersecurity experts at both XXXX XXXX and XXXX have determined that perpetrators cloned my computer. This is a much bigger problem than a criminal stealing your name and social security number. My legal representative has contacted Waypoint Resource Group LLC and demanded that they remove the collection from my consumer credit reports, but this company is unrelenting.