davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX Card # XXXX, XXXX  Credit Card # XXXX, XXXX XXXX XXXX # XXXX. 

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 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Amount {$440.00}, 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 2022-04-24
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. (DE)

I accordance with the fair credit reporting act XXXX  account numbers XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C. Section 602 A. states I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 21.It also states a consumer reporting agency can not furnish an account without my writen written instructions.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc. (WI)

I recieved notifications stating I owed on some past due medical bills from Credit Management Control , Inc on XX/XX/22. From information I gathered I believe they are breaking the law by trying to charge me interest on these past due medical bills in which they are not the original debtor? For example one bill is {$870.00}, and they added " unposted interest " in the amount of {$110.00}, and claims I now owe them {$990.00}. They are charging interest on four separate bills totaling {$330.00}!
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CT)

Disputed the following information to Current. 

Bank XXXX : Current- a financial technology company. 
XXXXXXXX XXXX is the sponsor bank for Current Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Current Card XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$3.00} XX/XX/XXXX - XXXX Reader : {$15.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$30.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$14.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$21.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$51.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$18.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX - XXXX XXXX XXXX  - {$23.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$16.00} XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX {$12.00} Total Amount of Fraudulent Charges : {$330.00} Action taken from Current is returning only : {$3.00} from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 

Email Sent to Me from the Dispute Team from Current : XXXX XXXX, XXXX, XXXXXXXX XXXX EDT Hi ( Name ), Thank you for reaching back out to us. 

Per our investigation, cash load funded XXXX. No spending velocity, transactions were made within a timeframe of more than XXXX hours. No fraudulent activity found. For XXXX, XXXX result XXXX. For XXXX, phone last XXXX matches. For XXXX and XXXX, fits XXXX spending habits with fast food restaurants. No error found. Case closed. Part XXXX : Dispute dept. received dispute with XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00}, settled on XX/XX/XXXX. UNAUTHORIZED. XXXX XX/XX/XXXX. Per our investigation, merchant sent full credit on XX/XX/XXXX. Error found. Fraud report added. Case closed. 

We take our dispute claims very seriously and investigate them with utmost precision and integrity. While we understand the outcome of the investigation is not what you had expected, unfortunately this decision is final. 

We thank you for your understanding. 
XXXX Sent Email Back on XXXX XXXX, XXXX, XXXX PM : I can provide additional receipt on my travel expenses that have time stamps and locations. I was on a business trip on behalf of my employer in upstate New York. Please let me know what can I provide to you that will validate my fraudulent charges. The only time I have used my virtual card via XXXX XXXX to pay for a car wash in XXXX NY that has my XXXX location. I assumed all virtual transactions couldnt be processed unless the XXXX XXXX validated my presence. My company card couldnt cover that personal expense. I dont want to escalate it to external parties due to inconsistent data sets that isnt matching any spending patterns that match any businesses that I conduct business with. 


No response after the email was sent to them.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My personal credit report has not been updated in the month of XXXX for my XXXX XXXX credit card. The last update was done XX/XX/XXXX. XXXX XXXXXXXX has reported this information at the statement close date on XX/XX/XXXX. Experian has failed to update the account balance. I went a step further and opened a dispute for the account, just in case XXXX XXXXXXXX was responsible for the lack of reporting ... .. XXXX XXXXXXXX provided the same account information again on XX/XX/XXXX to Experian ... and again ... no updates. This has happened several times with Experian. It doesn't seem to be by accident that activity and or payments that would increase your credit worthiness have an issue being reported, while damaging information is reported quickly. I do believe ... .based on the amount of times that this has happened..that Experian is indeed profiling credit profiles of individuals. I do believe that they look at race, ethnicity, address, employment status, etc. Nonetheless..it is damaging to me overall and has limited me in credit lines... housing opportunities..etc.
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (CA)

I have leased a new Honda XXXX XXXX from XXXX Honda ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/XXXX. In XXXX of the same year, the salesman contacted me saying that the deal wasn't approved and that I should return the car. When I went back to the dealership, they told me that they found a way to make the deal approved and they made a different contract. I gave {$2500.00} as a down payment in XXXX and after almost XXXX months they made a new contract where the vehicle was being financed by XXXX XXXX. 
I have been paying XXXX ever since for 13 months. It doesn't show on my billing the {$2500.00} that was paid when I first got the vehicle. In addition, my car was involved in a car accident on XX/XX/XXXX, and as a result, was a total loss. My insurance company XXXX is trying to pay for the claim but XXXX XXXX is not presenting the title of the car because the title is still under Honda Leases name. In addition, XXXX continues to charge me for monthly payments even though they are aware of the insurance company repossessing the total car.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX {$150.00}, 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 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IA)

I received an email from my credit card company ( Discover Card ) on XX/XX/2022 around XXXXXXXX XXXX that there were XXXX attempts made to send {$300.00} to someone called XXXX XXXX via XXXX using my credit card on XX/XX/2022 around XXXXXXXX XXXX and XXXX. First attempt was unsuccessful but the second one was successful. It is my ex boyfriend who has been following me since I broke up with him. XXXX XXXX is his sisters name. First he spread my explicit videos around Without my permission and now he he send money to his sister using my credit card. He also broke into my phone last month to access my photos and other contact information.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Attempting to reach TransUnion representatives has been a nightmare. One MUST navigate a maze of convoluted automated phone system, which in most cases, connects one to wrong department. People who answer these calls are incompetent, unable to make decisions and sound like they are reading answers off a " cheat sheet ''. Then they attempt to transfer me to another area and calls get disconnected - prompting one to go back through a phone system maze. Promised callbacks NEVER happen and when a user calls to inquire about status of the case, they are being given another case number ( even though the previous one has not been resolved ) and promised yet another callback- which never happens. 

I now strongly believe that this is by design, in hopes that frustration takes over and people just stop calling. 

This has been happening persistently on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2022.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

Call from ( XXXX ) XXXX Claiming to be Ally bank, collecting late payment on auto loan. They knew my name and I foolishly gave my social. But they didnt have my address so then I knew something was wrong.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Amount 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 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight withXX/XX/XXXXi spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX of this year I seen advertisement on XXXX for a Signature Rewards Chase Visa card. The advertisement says upon approval, the credit card would automatically be placed in my XXXX wallet and I would given a {$50.00} gift card from XXXX. I applied and was immediately approved but XXXX never gave the {$50.00} gift card to me. I called XXXX customer service, only to be told I dont get the gift card until after I get the card in the mail and link it to my account myself. I told the representative that this is not what it says on the XXXX website and that the offer details also says the gift card is issued upon approval, not when the card comes. Rep told me he would call chase and verify that I was approved and then apply gift card balance. After holding for 30 minutes, I was greeted by a chase representative that didnt know anything about my situation and rep was no longer on the phone. So I had and call again. After bringing rep up to speed on my issue, rep just cold transfers me to chase customer service. I placed 4 more calls to XXXX customer service before I just gave up due to getting the same result. Its is now XX/XX/XXXX and the credit card never came. I called chase and they said the card my have gotten lost in the mail, issued me a new card and expedited deliver however no resolution from XXXX.
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.