davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Ive noticed unauthorized inquiries on my Equifax report and provided this information by letter in USPS mail to the Equifax dispute department.The letter stated I was aware that according to the FCRA, legally these unverifi ed & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC report of fraudulent activity.

I then submitted n FTC Report to them and they still refuse to remove the inquiries.
Consumer complaint received 2021-12-29
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. (MN)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-12-29
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. (TN)

I have send three rounds of certified letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all in 2021 ) for the correction of my TransUnion credit report for inaccuracies and for TransUnion to send me an updated credit report. XXXX has ignored my letters and when I've called them multiple times on the phone they have placated me with promises that they would update my file and send me corrected reports. I have received nothing and have been ignored completely. I'm at wits end, please assist me.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681se ction 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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

i went get a car loan and the company applied to several companies 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 XXXXXXXX
Consumer complaint received 2020-07-16
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. (MI)

As of today, XX/XX/2020, I have contacted TransUnion Credit Report, they unfairly report wrong information on my report and keep my score at the lowest point of all 3 Credit Report. 
I have called several times to dispute my hard inquiries, and too remove them. 
I get told NO, they can't not do that, they have given me directions on how for me too do it.. Write letters, call the hard inquiries, contact the police, and the lastest today, was write to the hard inquiries and request they write TransUnion to have them removed! Once again I am sent too all kinds of representatives that I can not understand what there sayings! I ask for a supervisor here in the United States and all got was a recording. Yesterday XXXX  deleted 2 hard inquiries not authorized check my credit report. TransUnion keeps giving me the run-around and I ask why serveral times why they just didn't just deleted these inquiries that I didn't authorize and he said, oh we can do that ..I said why? He said ummmmmm, I don't know? Please help to deal with TransUnion, I put a freeze on my account due to I don't trust them due to what I have been through the last 2 months.. please help me..
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CO)

I received the below email from Chase. I did not know what ACH Collections service was and had not made any changes to my profile recently. At fist, I thought this may be a phishing email, but decided to call the number in the email to inquire. The call was made to XXXX on XX/XX/XXXX at XXXXXXXX XXXX MST. I spoke with a representative who ended up transferring me to a Chase Business Banking service representative. 

The representative confirmed the email was legitimate. I inquired what the service was for and she explained it was to receive ACH deposits. I asked when and how the service was initiated. She said that the account was automatically enrolled in the service and that it had a $ XXXX  monthly fee. I replied, what if I didn't call about the email would I have been charged {$25.00} per month. She replied yes, but we would have refunded it if you called to let us know that you didn't need it. Wait ... What? I would have had to call to dispute the fee for service that I never signed up for. 

This is BAD! How can Chase enroll an account in a {$300.00} annual service AUTOMATICALLY? Is this considered an unauthorized transaction? How many Chase accounts are unknowingly being charged this fee? I immediately thought of the fraud that occurred at XXXX XXXX. 

From : Chase XXXX Date : XX/XX/XXXX at XXXX XXXX MST To : MY Email Subject : Important Business Banking Alert Reply-To : XXXX Dear Customer, At Chase, we're committed to providing the tools you need to help you monitor your account ( s ). Below is a list of the latest transactions for the accounts in your profile : *Online ACH Collections service has been activated for your profile on XX/XX/XXXX. 

If you have questions about the transaction ( s ) or this alert, please call XXXX ( XXXX ). Our customer service representatives are available from XXXX XXXX to XXXX  Eastern time, seven days a week. 

Please do not reply to this automatic alert. Instead, you can sign in to www.Chase.com/businessbanking to send us a secure message. 

We appreciate your business. 

Sincerely, Online Business Banking Team
Consumer complaint received 2024-11-22
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (VA)

Please see previous complaints related to this account. 
In addition to the previous, they were allowed to garnish me even after the debt was Paid in Full. They have sent a Pif letter but they did not mention or send anything regarding my refund check from overpayment. It was paid XX/XX/year> but obtained a court date of XXXX to collect the funds. They owe me XXXX. My dispute was not investigated properly and I have submitted feedback on that already through this portal. Only one partial call was reviewed and the description of the call was not accurate. I want every incoming and out call from my number reviewed. I want the notes on the account reviewed. 
I WILL PROCEED WILL LEGAL ACTION AMD DEMAND FOR SOMEONE TO GET THIS REFUND TAKEN CARE OF IMMEDIATELY
Consumer complaint received 2022-12-19
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. (TX)

I sent a letter asking XXXX, XXXX, Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- XXXX XXXX Equifax have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Consumer complaint received 2022-07-18
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: EQUIFAX, 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 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 n now im XXXX  n cant provide to my two XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i have submitted this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

I was scammed and had unauthorized transactions sent to another user, I reported these transactions while they were in pending status and one of them was canceled as my bank even told me so and I have proof of that statement, I was then denied my dispute by cash app and afterwards the transactions were processed and re submitted which also shows in my statements. these transactions took place XXXXXXXX  as well as XXXXXXXX  totaling {$370.00}. I was told that I could request documentation however I am being ignored by support when contacting them after being initially told my dispute was denied. I also immediately asked them to cancel the transactions as they were still pending and I was being ignored and finally told by one agent that they were not pending, after providing proof that they were in fact pending I was then ignored again by multiple agents, and still never received documentation of why my dispute was denied so quickly. In the screenshot attached you can clearly see its marked as pending and you can see a clear indication of a section that says " Completed '' which these transactions were not. You can also see an agent from my bank tell me the transaction was cancelled before settling. Initially when I reported the transactions as fraud I was told by cash app that the transactions were cancelled only to be charged anyway.
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (GA)

On XX/XX/XXXX I sent a fax request and a certified us mail request for account verification, as of XX/XX/2019 I had not received any response from XXXX XXXX. I reached out to the company and ask since they fell to provide the requested documents within please remove the account from my report. Representative XXXX a supervisor could only make that decision, supervisor XXXX got on the phone and I advised of the situation and my request to have the account removed since the did not verify the account, she advised me that a response was sent to me at my P.O. Box in Florida. I dont live in Florida nor did I provide a Florida P.O. Box in my request I provided all my current information. I will attached a copy of the fax and certified letter for your review
Consumer complaint received 2024-10-10
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. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

On Sunday, XX/XX/XXXX I noticed I had two pending transactions. An ACH payment for {$50.00} and another ACH payment for {$29.00}. So I head to the bank to deposit {$40.00} needed to cover those transactions before I get charged two insufficient fund fees. I was expecting another ACH payment for {$100.00} to come in on Monday which I was okay with paying that fee to cover that payment. On Tuesday I get an alert showing three Insufficient funds fees. The way they structure the payments to go into the account {$100.00}, {$50.00} and {$29.00}. I called customer service on Tuesday and talked to XXXX  who was unable to explain to me how is it that on Sunday the two smaller transactions are shown pending on the app but come Tuesday the bigger transactions is posted first creating not one Fee but three. I believe this practice is wrong they are structuring the way payments come in in order to collect more Insufficient Funds Fees.

Chase Bank
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

Dear Consumer Financial Protection Bureau, I am writing to express my frustration with Apple 's credit card and the lack of document investment coupons that are promised as part of the card 's benefits. I have made multiple inquiries to the company about this issue, but have yet to receive a satisfactory response. 
According to 15 U.S. Code 1681b, consumer reports can only be obtained for certain permissible purposes, one of which is " investigating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. '' Providing document investment coupons as promised is clearly related to a consumer 's creditworthiness and financial standing, yet Apple has failed to fulfill this obligation. Furthermore, the conception of this account was opened without consent. I applied for a credit card with Apple Inc and was initially denied due to my credit history. However, weeks later I discovered that a credit card had been opened. They stated that we made a mistake in denying the application.

I also want to bring to your attention that I have previously mailed a letter to the company regarding this issue, but have yet to receive a response. I understand that this is a serious matter, and I expect a prompt and satisfactory resolution to this issue. If Apple Inc., does not take the necessary steps to address this issue, I reserve the right to take further legal action. I am concerned that Apple Inc is not taking my concerns seriously and believe that the Consumer Financial Protection Bureau should intervene. I appreciate your attention to this matter and hope that you can help resolve this issue.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

Water bill for city of XXXX was was unpaid as we were moving from XXXX to XXXX and account was referred to Ability Recovery. Bill was paid in full to City of XXXX but agency keeps trying to recover fees from me. Threatened to report me to credit bureau and hung up on me. Collector gave her name as XXXX XXXX.
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

I bought out my lease for {$12000.00} on XX/XX/22. At one point, i had the wrong address so i had to fix that with them. However that was over a month ago. I still have not received my title. 

I bought out the car to sell it. However, i still have not received the title. This has caused me to be out {$12000.00} since XXXX, it is now XX/XX/XXXX. On top of that, ive had to keep driving the car and putting miles on it, depreciating the value of the car. 

I have had 7 calls with hyundai just trying to get answers. All im being told is the title department is backed up. Nothing concrete. 

One of those calls, i was told by the supervisor that multiple customer service agents did not send the work order through. I can not get in touch with the title department currently, nor get an answer about when/if it is coming. 

I was also told by hyundai that someone from their " care '' team would reach out to me in 2-4 business days to discuss the issue. That has not happened. 

I am becoming concerned as i told them, its getting to the point where id rather return the car and get my money back, however i was given no available recourse to do so. 

I genuinely need help with this, as {$12000.00} dollars is a lot of money for me and i have nothing to show for it. 

XXXX.