davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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. (TN)

Transunion does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. TransUnion is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. TransUnion has items listed on my credit report showing long before I disputed these fraudulent accounts. I need TransUnion to remove the fraudulent items. I am trying to buy a house and new car asap
Consumer complaint received 2021-08-22
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 (CA)

I filed a complaint and dispute with Bank of America they found that it was 100 % in my favor and if my money was supposed to be deposited immediately however I've had been having trouble for the last 15 days receiving my money back from Bank of America now yesterday XX/XX/2020 the claim says resolved and paid this is fraud nothing has been resolved and nothing has been paid and nobody knows nothing at Bank of America they say they can not access my account to be able to help me
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX insufficient funds fee XXXX pass XXXX insufficient funds fee XX/XX/XXXX XXXX XXXX XXXX caused XXXX insufficient funds fee XX/XX/XXXX XXXX payment on XXXX ( XXXX insufficient fee ) XXXX XXXX XXXX XXXX XXXX insufficient fee ) XXXX XXXX XXXX XXXX  ( XXXX insufficient fee ) Small business affected by covid Recieved insufficient funds fee for transaction above. 
XX/XX/XXXX my debit card was locked and those were Reoccurring fees. 

Contacted institution XX/XX/XXXX in regards to some of these fees and was denied a reversal / waiver on the credits by supervisor name ram.
Consumer complaint received 2022-07-28
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. (PA)

I have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. 

Before that I only check my credit report if i ever file for something or once every 2 to 3 years. For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. 

I been following every steps that my banks and credit agencies have been telling me for 2 months now. As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. 

At this very moment my 5 inquires is insane as I usually do 1 every 2 years if that Original CFPB COMPLAINT # XXXX The unauthorized hard inquires are as followed 1.XXXX XXXX XXXX : 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX 5. XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SD)

I sent verification letters and disputed these inquires online and these Inquires that aren't verified but Equifax deems as factual and Equifax refuses to show proof of verification and yet won't delete the inquiries from my report. 


XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (GA)

I have never heard of this company and I have never applied for any financial assistance from them. I have filed a complaint with XXXX and XXXX. They did not report it to XXXX. I have been online researching this company and I read where they have tried to scam others out of money. Is there anything legally that can be done? 
Account info Account name VANCE & HUFFMAN LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$3700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2022
Consumer complaint received 2022-07-29
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. (NC)

I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # 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 an 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 r
eport 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 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (OH)

Signed up for a credit card with CareCredit ( which is Synchrony ) and was unaware that there would be a " Card Security '' fee every month. When speaking with " Card Security Services ''. I asked what the service actually did and they described it but failed to mention I'd be billed every month. Upon being told how the service worked I asked to terminate it and be refunded. They told me I would be ineligible for a refund on the fee if I cancelled. I said, " fine, whatever, just leave it on then '' and ended the call ( since I didn't know it was billed every month ). 

I found out I'd be billed monthly 30 minutes later and called back. On the second call the representative told me it had already been canceled on XX/XX/XXXX. This is not correct because they billed me on XX/XX/XXXX. They put me on hold and then came back and said " Actually we canceled it just now and have issued you a full refund '' and tried to get me off the phone. 

I asked who the representative who they worked for and the mood changed very quickly. They responded with " Card Security Services '' to which I replied " With Synchrony? '' and they were quiet and repeated " Card Security Services ''. I replied again, " Card Security Services, with Synchrony, right? '' and they reluctantly agreed. I asked where their office was so that I could best file my complaint with the CFPB and they said " XXXX ''. I asked, " XXXX? That's not an address ''. They put me on hold. They came back and gave me a XXXX XXXX XXXX to address complaints to. ( XXXX XXXX XXXX ). I confirmed that I would be getting a cancellation confirmation in writing in the mail and ended the call.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Hello, during the beginning months of COVID-19, the XXXX  I worked at as a XXXX  closed ( around the first or second week of XXXX ). My employer filed an unemployment claim, swiftly, on behalf of each of my coworkers, including myself. I didnt receive unemployment for two weeks and decided to begin taking action ( I didnt call earlier because lines were busy and the GDOL was overwhelmed with all of the workers needing unemployment and I was able to move in with my parents during this time to help with expenses ). However, I was still unable to get in touch with someone who could help me claim my unemployment benefits. I received about 6 or 7 UI Benefit papers over the next month explaining how the process works/that I would soon receive other information to set up an account and receive my benefits. I believe it was the end of XX/XX/XXXX/beginning of XXXX when I finally received a paper explaining that I had serval options for receiving my benefits, including a prepaid card, direct deposit, etc. Around XX/XX/XXXX my employers opened our XXXX  up for XXXX  only and I began receiving paychecks again. I looked online/set up an account for UI benefits but couldnt find a record of payments to a card or my account. I decided to take another look this past week ( XX/XX/XXXX ) and saw that there were payments to a prepaid card but never received a card. I understand how hard the GDOL has been working to meet everyones needs and I realize the mass amount of people trying to get their benefits. All that I need now, is to receive my prepaid card that was never sent ( as far as I have seen ) with the papers I was sent about the payment and card.
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc. (IN)

To be honest. This has been a complete horrible experience. 
Never jumped through so many hoops in my life, and then had someone from a company cause so many issues bc they canceled my application, without my permission, which should be no issue of getting my application done and approved, and now, being told they can not approve me, but yet I was approved! 
I was told it would be no issue to get the backend to reinstate my application. 
I see others online with the same thing that this company has done to them. Seems like this company profits somehow without giving approvals and getting peoples information for nothing. Do they sell it? What is done with all of this information and not approve anyone? 
So, I feel that I definitely was done unjust and unfair. 
Absolutely wasted time that I could have went elsewhere and spent on them, and mislead me thinking they were going to resolve the reps issue, get my loan approved, and be done. 
So, really, I feel deceived by this company. 
I also ask for call backs, in emails, and no one contacts at all.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

shared credit report without consent, non response from credit bureau to verify information on credit reports, disseminating proprietary and confidential information, undue enrichment at credit holders expense, cease and desist usage of my social security number of the holder in due course, resulting in identity theft, cease and desist usage and i will provide a more secure account and number that is attached to Internal Revenue Service, Accounts needing to be Physically Verified - Fair Credit Reporting Act - Section 609 ( a ) ( 1 ) ( A ). Compensation And Authorization by me, the Account Holder in due course. Verification is required before reponding to businesses with motives unknown who are for the most part curious and " nosey '', otherwise, Anyone paying for a report to a credit bureau could fax, mail, or email in a fraudulent account. 
I amd demanding to see verifiable proof ( an original consumer contract with my signature on all filed accounts
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax is still reporting negative information on my credit report that is affecting my credit adversely. For example, they are still reporting XXXX XXXX XXXX as a negative account. The account is over 7 years old and a violation of my consumer rights. It should be removed from my credit report.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-09-16
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. (MI)

I regularly monitor my credit report atleast 3 times a week. I was unpleasantly surprised when my credit score dropped 10 points for no explained reason, then another 24 points with again no explanation, very funny when I applied for a credit card my score dropped 1 point with a reason/explanaiton. I called transunion to ask them to explain the sudden drop when in fact I had paid down or off some {$5000.00} worth of auto loans and credit cards, they proceeded to give me a general reason why credit scores drop but couldnt fine any reason why my specific score had dropped some 34 points. I did file a dispute but was told by a supervisor disputes doesnt affect your credit score, only to be told by a different superivisor disputes does affect ones credit score. Transunion then contacted me to inform me the dispute I filed would go on for an additional15 instead the the orginal 30 days because they wanted to give the company more time to provide info??? I have a couple friends whose had simular types of incidents happen to them and they are very disappointed in the lack of info transunion has on its own practices/reporting. maybe its time for transunion to get a dose of what XXXX got.a class action lawsuit!
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

On XX/XX/XXXX I was {$100.00} by someone trying to buy a laptop through Zelle. I didn't receive those funds. An email was sent from zelle saying I couldn't collect the full amount because I didn't have a business account. The buyer sent an extra {$100.00} and an email from Zelle was sent to me saying that I had received it and that I needed to refund the extra money. Zelle, in the email, said the money was on hold and no one was losing a dime on the transaction. I unsuccessfully sent the refund payment. Zelle sent a declined email and asked me to send it again with a screenshot. I did so. I never received any of the payments and I'm missing {$200.00} from my bank account. Zelle told me to contact my bank and XXXX told me there wasn't anything they could do but be more careful.
Consumer complaint received 2021-08-21
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: EQUIFAX, INC. (FL)

EQUIFAX and XXXX XXXX XXXX is in violation of FCRA, consumer reporting agencies are not suppose to share medical information of a consumer.