davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Claim No. : XXXX Claim related to checking account ending in : XXXX Dear Sir/Madam : Im writing to complain about Chases refusal to refund my funds in the amount of {$1200.00}. On XX/XX/XXXX, I transferred {$1200.00} to XXXX ( retail trading exchange ) planning to use fund to trade. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase since I didnt use the fund. However, I forgot that my Chase account has been closed since XXXX, XXXX. Upon closing this account, I opened a new account with Chase. 

When I first learned my funds was missing, I contacted Chase. I was told by Chase supervisor nothing can be done about my problem and was advised to contact XXXX. After Chase and XXXX had me run around, Chase finally opened a claim. On XX/XX/XXXX, Chase temporary credit {$1200.00} and removed that amount from my account on XX/XX/XXXX. Chase Customer Claim Department ultimately declined to refund my funds {$1200.00}. 

The issue is that Chase claimed that the bank has never received money from XXXX and XXXX claimed that the money was never transferred back to XXXX from Chase. Since XX/XX/XXXX, my funds of {$1200.00} has been mysteriously disappeared. I have been trying to resolve this issue with Chase since XXXX but it was unsuccessful. As a result, I have no choice but to file a complaint. Please see the sequence of what transpired and attached are copies of my records : 1. On XX/XX/XXXX, my funds {$1200.00} was transferred from Chase to XXXX. See XXXX, XXXX bank statement. This account XXXX has been closed since XXXX, XXXX ; 2. On XX/XX/XXXX, I transferred {$1200.00} from XXXX to Chase account XXXX leaving XXXX balance in XXXX account. See XXXX Account Statement dated XX/XX/XXXX ; 3. On XX/XX/XXXX, a letter from Chase temporary credit {$1200.00} to my new account ; 4. On XX/XX/XXXX, a copy of check issued to me by Chase in the amount of {$1200.00} ; 5. On XX/XX/XXXX, a copy of email from Chase Customer Claim Department temporary credit {$1200.00} and opened a claim. The Claim No. XXXX ; 6. On XX/XX/XXXX, XXXX bank statement shows {$1200.00} check was deposited ; 7. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00} on or after XX/XX/XXXX ; 8. On XX/XX/XXXX, XXXX transaction page shows Chase withdraw {$1200.00} on XX/XX/XXXX ; and 9. On XX/XX/XXXX, a letter from Chase notifying removal of {$1200.00}. 

To resolve this problem, I propose Chase to issue a check to me in the amount of {$1200.00}. I believe its right to claim my funds that has been mysteriously lost. I look forward to hearing from you soon and appreciate for your help. I can be reached at XXXX XXXX XXXX XXXX or email at XXXX.
Consumer complaint received 2022-09-20
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  Bank 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 2021-01-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I called equifax again on XX/XX/20 and spoke with an agent with agent ID number ID NUMBER XXXX. I have wrote this company several times about not being able to see my credit file. I have submitted several disputes over the last few months and I have also submitted via A previous complaint both my drivers license and social security card as proof of identity. I have been denied my credit report online and over the phone. I was told over the phone I ned to send in my drivers license AGAIN because it expires every three months. I attempted to log onto the web portial to check my dispute status and it has my file completely blank and shows nothing. I have attached both my social security card and my DL yet again and I am requesting that these documents be left on file so that I do not have to provide them over and over again to view my own consumer report. I am also requesting A free credit report be mailed to me for my viewing since I have not been updated via mail on any of my disputes! I would like to be able to call and speak with A representive over the phone and not have any issues with doing so or being forced to file A complaint just to speak to someone. It is beyond crazy that I have to do such things just to have A converstion with someone about my consumer report. MAKE MY CREDIT FILE AVAILABLE FOR ME TO VIEW ONLINE AND FOR ME TO SPEAK WITH SOMEONE OVER THE PHONE!!!!!!
Consumer complaint received 2024-12-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Texan Credit Corporation (TX)

Texan Credit Corporation Branch store in XXXX XXXX, Texas office has received 3 US POSTAL SERVICE Certified letters with USPS TRACKING LABELS from me since XX/XX/XXXX requesting a Balance n payment history statement and a lower monthly payment option for my account. I have since XXXX paid off 4 other Texan Credit loans on time. Their All Only Female Gender staff with ex option of Management engages in verbal non caller ID multiple daily phone calls with Hang up to my phone XXXX XXXX XXXX. When I call back their Female gender staff verbally speaks very loud to me on phone and uses threatening nouns, adjectives and verbs in intimidation when I ask to discuss my account. They blatantly due and say they receive no USPS TRACKING LABELED MAIL FROM ME SINCE XX/XX/XXXX, yet they mail me via USPS IN XX/XX/XXXX threatening me for payment. Predatory lending and False alligatory, collection efforts. They supposedly had large US PPP LOANS they got in XXXX by the way as a US Essential Business.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

" Deceptive Lending Practices '' On XX/XX/XXXX I made a Personal Loan with One Main financial for {$4500.00} at rate of 35.99 % APR, while never missing a payment. The I never missed a payment which initially was {$170.00}. Due to the Pandemic and reduction of income I request a " Interest Reduction ''. Both agreed that the reduction would be truly a Interest Deduction, and did not some form trick, that would add interest to the principle balance. Thus on approximately XX/XX/XXXX both parties agreed to a Interest Reductions. The agreed upon Interest Rate was to be 6 % .After I made the payments as newly agreed upon One Main Financial source ways to increase the rate and payment. The Lender is now attempting to increase the back to 35.99 %. One Main Financial states that the increase is related to what they state is I can afford the original payment. I then stated my unhappiness with OMF and requested a Loan Payoff total. Upon doing this OMF increase the Interest Rate back to 35.99 %. I am requesting that the remain 6 % until XX/XX/XXXX the day of the last payment. After making 12 month payments One Main Financial claims they are now owed approximately {$4500.00} the original amount of the Loan, Addition One Main Financial elect to make a comment on my credit report at a rate reduction was agreed to
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX  CARD Acct : XXXX XXXX. ) XXXX XXXX CARD Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX BANK XXXX XXXX. ) THE XXXX  OF XXXX  XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX DOB XX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint regarding the failure of the credit bureaus to provide proof of validation for disputed accounts, as required by law. Despite my repeated requests for proof of validation, the following reporting agencies ; XXXX, Transunion, and XXXX have failed to provide any supporting documentation and have simply responded that the information will remain on my credit report without any changes : 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 {$1200.00} This failure to provide proof of validation for the disputed accounts is a violation of my rights under the Fair Credit Reporting Act. I have the right to request and receive accurate and verifiable information on my credit report, and the credit bureaus ' refusal to provide this information is a direct violation of this right. 

I urge the CFPB to investigate this matter and take appropriate action against these companies for their non-compliance with the law. I request that the disputed accounts be properly validated or removed from my credit report as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Consumer complaint received 2020-12-21
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. (NY)

There are multiple errors for the accounts listed below. An accounting of the activity for the various accounts in dispute are listed below. These disputes were put in with both the creditor and the credit bureau. No actions were taken on the part of either party to rectify the complaints. According to the Fair Credit Reporting Act, I am requesting a deletion of this account from my credit report because the information requested has not been verified nor has proof of verification been presented. 

ACTIVITY 1. Letter to creditor to correct inaccuracies. Evidence of account submitted. 
Letter Date : XX/XX/2020 Request : Please investigate and fix data on my credit report. 
Decision Made : No response to letter. 

2. Letter to credit bureau to correct inaccuracies. Evidence of account submitted. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and fix or delete from my credit report. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. 

3. Letter to validate and send data used to decline correction of account errors. Also send copy of procedure outline for collecting data. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. Experian procedures sent via mail and email. 

4. Letter to produce records of charge off notification. 
Certified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. 

Experian 's blatant disregard for following procedure in this matter is shameful. They literally did nothing.
Consumer complaint received 2024-11-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Heritage Financial Group, Inc. (TX)

The vehicle was repossessed for 1 month ( possibly a month and a half ) payment while I waited for my unemployment to be verified. Mostly i believe out of retaliation fir not looking my new account rep who is for lack of a better word an XXXX. I paid the full amount within a weeks time and it's been almost a full month and in haven't received the XXXX  back just excuses.
Consumer complaint received 2021-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

The XXXX XXXX card was close then re open once I paid it off XXXX dollars was the agreement. This was sent to my credit not paid. Then I purchase form they store again which the order was never delivered. Put in a claim in the give me credit. The company was called not just once to resolve this problem on the item not being delivered to the right apartment. Not it was reported lost ant they tried to tell me to call the company again and I have for two years since.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent TransUnion 3 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to TransUnion. My next step will be to sue them. These are the inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. Informative XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (FL)

Lexis Nexis will not send me a credit report. XXXX I sent a letter requesting, then sent a letter back requesting more information on who I am. I sent them driver 's license, copy of insurance, and IRS tax for XXXX. XX/XX/XXXX i got a letter case number XXXX ( XXXX ) stating Reinvestigations. Reason for contact- Dispute... Results on three disputes : that data being reported inaccurate???? 
So I never disputed anything. 
I've disputed with XXXX, XXXX, and XXXX asking them to verify creditors ' information from the leader. I asked these three companies for I understood they are pulling data from Lexis Nexis who won't send me my credit report. Can you help me with this circle Im stuck in?
Consumer complaint received 2020-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WI)

Received a letter from agency in XXXX that this debt is closed by them and that it will be removed from credit bureaus but as of today this is still reporting and bureaus are not following orders of delete as stated on letter from creditor. Account is closed and should be deleted.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (KY)

On XXXX I mailed Equifax a dispute letter with all IDs included. No reponse? I attempt to get an Equifax annual credit report, impossible. 

I contact Equifax, I am told to fax a letter with all my IDs and explanation. I do exactly that, and I call Equifax, I am told that everything is fine and an Equifax report is being mailed. 

I receive a letter from Equifax saying I need to send IDs again to get my Equifax report? 

My XXXX year old daughter, XXXX XXXX, is reported as primary name on MyEquifax account? 

I again submit electronically a dispute letter XX/XX/2020. Still, nothing is fixed?
Consumer complaint received 2021-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2021 at XXXX XXXX I got a call from a person saying from XXXX if the charge for {$1400.00} for an XXXX on my bank account was made by me and I said no. And they said they would put the money back in my account and added XXXX more which was XXXX which I watch them do on my bank account online app. Then I went to the bank to wire their money to them. But I found out someone unauthorized a transfer from my savings to my checking which was not connected with any overdraft fees and use my money to do it. And they are claiming that is was a scam and possibly could not recover the money in scams. But the problem was never going to be a problem because I would not have sufficient funds to wire to them because it was not transferred by me and there would be no money to wire so it is their problem if they don't have enough security to unauthorized have a transfer move from my savings to checking my life savings and have it be gone because I would never send my own money