davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting 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. (FL)

For some time now I have been contacting Transunion in regards that my credit score that I monitor through FICO for their bureau has nothing to do with the credit score that they are providing the creditors when I apply for credit. I been turned down by the XXXX XXXX that is offered by XXXX XXXX many times because of this. Not only they do not send an updated scoring to the creditor but they also use the same model Fico score 8 model and the scores are completely different. I have called the creditors and they advise me to call the bureau and they have me in a back and forth all the time. XXXX  XXXX is another bank which has never given me a decent credit over XXXX dollars and I have XXXX credit cards with them and this is the reason why because my credit score and my report are not accurate. A discrepancy of over XXXX points. 

I will attach proof of this findings
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I ask my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (CA)

I received a letter from XXXX XXXX XXXX XXXX claiming that I owed them {$6100.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR Business Taxes. I contacted the City of XXXX XXXX about 9 months ago via mail and stated that I was exempt from these taxes because I work from home and am in a unincorporated area of XXXX XXXX XXXX. LAMC Section 21.03 literal language states that a business is exempt from these city taxes if they operate in these unincorporated areas. I have lived in XXXX since 2020. My addresses were XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA and now I am at XXXX XXXX XXXX XXXX, XXXX, CA. after writing the city about this matter I never received a response therefore I don't know how this was sent to collections.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  & XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of XXXX XX/XX/2024, XXXXXXXXDate of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX XXXX 0Date of Inquiry XX/XX/2024XX/XX/year>
Consumer complaint received 2021-02-11
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. (TX)

XXXX  ID ( # XXXX ) with the President 's Office at XXXX XXXX Auto Finance stated the attached application was complete even though undated and allowed XXXX XXXX permissible permission to access my private information which then led to a forged and fraudulent loan in my name. I was truly amazed even when the application states at the top that incomplete applications will not be processed. Attached is a memo I faxed to her attention.
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (FL)

I sent Experian, XX/XX/XXXX, and Experian each certified letters in the mail on XX/XX/2020 and XX/XX/2020 to please remove some hard inquiries that I saw on my credit report but do not recognize these hard inquiries. I did not authorize for these hard inquiries amongst my credit and this has been bringing down my credit score. I would like for these inquiries to be removed respectfully, as this is affecting my credit score and impacting me from elevating my credit score and life.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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. 

XXXXXXXX XXXX XXXX # XXXX, XXXX/DEPT OF ED # 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 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 2021-09-29
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. (NJ)

XXXX XXXX is trying to collect debt for XXXX XXXX for a timeshare that I no longer own as of XXXX. That I do not have title to, timeshare not used and included in XXXX discharged chapter XXXX bankruptcy. 
I could not owe fees for XXXX and XXXX and any future years because it was included in bankruptcy and relinquished. Please assist what they are doing is breaking the law and billing me after my bankruptcy. I no longer own timeshare at XXXX XXXX, inquire with them if you don't believe me. Please assist and remove.
Consumer complaint received 2022-11-19
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. (NY)

XX/XX/2022 i XXXX XXXX XXXX  call the credit company XXXX and spoke with 3 agents there. I explain my situation. Asked the first agent is he familiar with the provicey laws and he stated yes.i then asked did he know that it is illegal to sell, submit information that inaccurate the agent XXXX stated yes so I ask why did your company sell my information, submit inaccurate information that we can both see which is open dates and closed dates that don't match 23 different ssi numbers on my account address that experian want allow me to take off when is clearly shows its wrong! ..please request their records of our conversation and you will clearly here the agent XXXX state that they don't erase anything off accounts if the company that reported is a good source also they can sell information to other companies. Agent over talked me and told me lies hung up on me another agent clearly in the recording that he see the wrong thats done, I asked that he submit a complaint, he did but .but tried to make the complaint out as someone was using my account fraud and that wasn't the case it was XXXX that was doing the above mentioned also not I put in a complaint, and they telling me that I don't get a complaint ref # so how would I follow up???? if u can request the complaint I submitted yesterday XX/XX/2022 I've called fussed asked for proof, and received nothing.i was also told to not call XXXX cause they can't do nothing its not there problem call vendors .wow this is how I get treated by trying to fix my credit
Consumer complaint received 2021-09-29
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (FL)

I have to more 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WA)

I called US Bank to close my checking account on XX/XX/2023, and there was remaining balance of {$1500.00}. The customer service assistant told me that I would receive a check in around a week. 

After around 1 month without seeing the check, I called US Bank again to check the status on XX/XX/2023. I talked with them for over 2 hours and and was told that they had already sent the check around a week after the account closure. I submitted a complaint to CFPB on XX/XX/2023 and US Bank responded that they had mailed Declaration of Loss form to me on XX/XX/2023. 

I signed the Declaration of Loss form and mailed it back to US Bank on XX/XX/2023, but I still haven't received my new check yet. 

( After I mailed the Declaration of Loss, I received the old check which I declared loss. )
Consumer complaint received 2021-02-10
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: Resurgent Capital Services L.P. (IN)

I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : LVNV Funding Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX  Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX  Automotive XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I am writing in regard to my XXXX  XXXX  Select Master Card account that I got in XX/XX/XXXX. I renewed my card last year ( XX/XX/XXXX ) because I was told I would receive a companion flight ticket on every anniversary date if I renewed. As I realized I was approaching my second anniversary ( XX/XX/XXXX ), I called to find out how I could redeem this benefit and obtain my companion ticket for the first year. I was told that the companion ticket benefit was discontinued, but if I had spent {$20000.00} during my first year I would have received a {$120.00} flight discount voucher, which is the benefit that replaced the companion ticket. I was also told that I did not spend {$20000.00} my first year or my second year, so I am not entitled to this benefit. 

I have spent much more than {$20000.00} in each of my two years since obtaining the card. I asked to speak to a supervisor, and was told the exact same thing, that the records indicate that I did not charge enough to receive the benefit. I was instructed to write a letter asking for a review which I did but did not hear back. 

Furthermore, I feel that this is consumer harm because theyre not accurately reporting my credit usage and payment history, which could adversely impact my credit. 

Below are the statement balances since I obtained the credit card : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$3700.00} XX/XX/XXXX : {$4100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$4700.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$5000.00}
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (FL)

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 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I used the XXXX feature on my chase app. I made a purchase through XXXXXXXX and the merchant did not keep their end of the bargain and scammed me out of my money. I reached out to chase regarding getting my money back but they say they have no control over the issue. And cant unfortunately give me my money back. I made the purchase via XXXX on the chase app on XX/XX/22. The transaction amount was {$140.00}. Chase has connected me to multiple people and none can help me. They state that the money had already be credited to the other persons account and can not reverse the transaction.
Consumer complaint received 2023-05-14
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: HOVG, LLC (PA)

XXXX and XXXX reported a {$3700.00} collection filed by Bay Area Credit Service from an uncollected account from XXXX, XXXX XXXX Works with no supporting data. 
I called and spoke with XXXX and XXXX XXXX on the phone the day I received and alert that the account had been posted to the credit companies asking for documentation of the account ; XXXX said the records were more than two years old and would require a subpoena. Bay Area Credit Service gave no answer.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX and report a no late payments until XXXX XXXX XXXX XXXX XXXX  120 days late Remove this account for inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account in accordance with FCRA 1681b ( a ) ( 2 ) Additionally, How can the Last Payment report XX/XX/XXXX but payments report as made OK for months XX/XX/XXXX thru XX/XX/XXXX. 
Remove this account for inaccurate reporting. 

Please investigate and send me a complete Updated Trans Union credit report.
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (TX)

I attended Timeshare presentation in XXXX XXXX New york on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New york XXXX Phone : XXXX They requested ssn details to check my credit score to make sure if I am eligible for financing. Later I got email from Barclays Bank Delware that my credit card is approved. I called them to cancel and it is not yet done, I still see that account in my credit report. 

Now there is one more credit card is open from XXXX XXXX 

I see they misused my ssn details to open multiple credit cards which is directly impacting my credit score.
Consumer complaint received 2023-05-14
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. (CO)

For the last XXXX years all credit bureaus has listed XXXX XXXX XXXX on my credit report as me being the owner of a bill of XXXX XXXX I have sent the numerous debt letters, asking them to prove that debt belongs to me they have failed to do so or declined and not done so they continue to leave it on my credit. Ive let them know Ive been a victim of identity theft, as well as XXXX and Equifax stating on my reports that they found my information on the dark web. Ive also show them that Ive had XXXX bridges from XXXX and Equifax and XXXX from XXXX and they still continue to keep this on my credit I want it removed.
Consumer complaint received 2021-02-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delta Management Associates, Inc. (WI)

Yesterday, XX/XX/2021, I filed a complaint against this company, Delta Management Associates , Inc. Today, XX/XX/2021, they called the XXXX of my school, his Administrative Assistant, and Human Resources to " verify employment for someone in the XXXX XXXX  Office ''. The Human Resources staff member forwarded me the message left on the Superintendents phone and it was left by a XXXX XXXX, Reference # XXXX, and to return his call immediately at XXXX XXXX. '' While the message was being left, the Admin Assistant to the XXXX received another phone call from woman who wouldn't give her name and wanted to verify my active employment and asked for her to give out my SSN and date of birth. Instead, the HR staff refused and tried to get her name and phone number and then hung up. 
Immediately, my work day was interrupted with this harassment, embarrassment, and stressful situation. I have repeatedly informed Delta Management Associates, Inc that they have the wrong person and our SSN were mixed up, the person they want has a birthdate in XXXX and lives in Minnesota. 
The man and woman of Delta Management were exceptionally rude, not willing to listen, and said they would continue to call until they get the information to collect an outstanding student loan debt of over {$200000.00}.