davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXt # 4575986 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 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-25
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 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 tXXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX number # XXXX, Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX XXXX number # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  # XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of america was constantly closing my debit card which had money on it from XXXX when bank of america froze my account the first time. I recently received a letter from unemployment saying they would unfreeze my account if I verified my identity. So my account was unfroze in XXXX of XXXX. Well ever since I've had it I was constantly having to call B of A customer service to have them unlock my debit card. When I asked them why they kept on locking me out of my account they said it was a security procedure. Well then about a week ago a purchase i tried to make was declined so I called them once again and the said it was closed by the EDD. Well I tried to get some answers through the unemployment website and read that the EDD didn't have any control over the benefits once it is put on the bank of america debit card. That if an account was frozen then it had to of been bank of america.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WA)

Chase bank will decide who I can spend MY money with. They have no right to censor purchases based on a whim, if I am trying to buy something from a legal vendor they have no right to deny it based on how it affects their business. Chase is trying to block payments to crypto exchanges because it directly affects their business model. If you have a chase account please consider moving all of your accounts to a different organization that won't restrict where you can spend your money.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CA)

Lease term was for 3 years with Chase Auto Finance. After the final payment on the lease was made, we requested to purchase the car and were sent paperwork along with a final amount due to purchase the vehicle. We procured a cashiers check for the amount of {$18000.00} and had it sent via XXXX. The check was delivered and received on XX/XX/XXXX ( 7 day before the termination of the lease agreement ). On XX/XX/XXXX the check had not been posted, so I called and was told that processing of payments required 10-15 business days. I called again on XX/XX/XXXX to inquire about the process and was told to call back again on XX/XX/XXXX. On XX/XX/XXXX I called and was told that the check and paperwork had not been located, that an investigation would be opened into the status of the check. During the XX/XX/XXXX call I was told that the payment team would send a physical letter to my address regarding the outcome of the investigation within 1 week. On XX/XX/XXXX I call again and was told, after speaking with an escalation specialist, that the check was located and the payment process would be expedited. On XX/XX/XXXX I open some mail to find a letter drafted on XXXX XXXX indicating that I have defaulted on my lease and unless immediate action is taken, Chase may begin the process of repossession of the car within 10 days of the letter. On XX/XX/XXXX I call Chase and speak with an escalation specialist as well as a member of the quality team. The member of the quality team assures me that the delinquency being reported to the credit bureaus would be back dated, no repossession would occur, and that I would have a response as early as the end of the day Monday XX/XX/XXXX or as late as Wednesday XX/XX/XXXX. Having not been contacted, again I call Chase motor finances on Thursday XX/XX/XXXX and spoke with a member of the quality team that informed me that no check had been found yet and that they would continue the investigation but would likely not have any news for me until the beginning of the new year. I have still not received a letter from the payment team and at this point I am concerned with the damage being done to my credit and the likelihood of repossession of a car.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX opened XX/XX/XXXX amount {$7400.00} -FTC Violation JXXXX XXXXd opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$320.00} - HIPPA Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXXXXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Consumer complaint received 2022-07-31
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, U S DEPT OF EDXXXX, XXXXXXXX XXXX XXXX / XXXX has violated my rights . 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 a account without my written instructions
Consumer complaint received 2022-07-22
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly DELETE all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willfulnon-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did no tprovide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 


XXXX XXXX XXXXXXXX Dates XXXX
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I bank with Bank of America. In late XXXX or early XX/XX/XXXX I sent {$2000.00} using XXXX to a friend of mine as a loan payment. 
Unfortunately, I sent the money to a wrong phone number. As soon as I realized that I made a mistake, I called my bank. This was on a Sunday so I has to follow up the next day. They then told me that it takes up to 45 days to get an answer. Another couple of weeks went by only to be told that the recipients bank XXXX XXXX has now put a red flag on the transaction. A week after that I received a letter from my bank suggesting that I contact the recipient instead. 
I have been banking at Bank of America since XXXX so this is the kind of protecrion and service that I get. 
I have also filed a Police report to try to recover my money but until now I have no idea as to who can I turn to. 
Please help. Thank you in advance.
Consumer complaint received 2022-02-05
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)

Transunion has violated my consumer protection rights given to me under federal law. 

As per 15 usc 1681b ( a ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

I gave transunion written instruction on how my information could be used for accounts under XXXX, XXXX, and XXXX XXXX. They were instructed not to included my nonpublic personal information as defined under 15 usc 6801a. 

1016.3 ( q ) ( 2 ) ( i ) ( B ) : Account balance information, payment history, overdraft history, and credit or debit card purchase information ; This instruction was ignored hence triggering identity theft as define by law using my personal information without lawful authority and they do not have my consent.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I purchased 4 concert tickets for a XXXX  show scheduled for XX/XX/XXXX from XXXX for {$1000.00}. First I was informed that the concert was postponed due to covid19, then on XXXX XXXX  I received an email from XXXX that the concert was cancelled and I would be receiving a credit worth 120 % of my purchase price for any future show of my choosing.I then called Capitol One Credit Card Customer Service and explained that I had received the email from the vendor and that the credit does not work for me. Capitol One agreed with me and removed the charge from my account within hours. Then on XX/XX/XXXX I received an email from the vendor that the dispute had been resolved in the merchants favor and I would have a 100 % credit of my origional purchase price with the vendor and the charge was returned to my card. I followed up by disputing this with Capitol One who said they understood my position and would file an appeal. I submitted all correspondence with XXXX and a rebuttal stating that I never purchased a credit and it wouldn't work for me and that I wanted a refund. On XX/XX/XXXX I received an email from Capitol One stating that they could not assist me. That because the vendor offered a credit they would accept that as satisfying me despite my verbal and written communication that it does not. I was told XX/XX/XXXX of XXXX, four months after I purchased my tickets that " a new policy '' dictated taht I could only receive a credit. This new policy was based in their words on " due to the completely unfoseen and unprecidented epidemic we are no longer able to offer refunds for events that have been cancelled. '' This new policy could not apply to me as it was not in effect when I made the purchase. Also if by the vendors own words Covid19 was unforseen and unprecedented, it couldn't have been covered in the policy I purchased tickets under. I purchhased 4 concert tickets and never received them. The vendor has no right to keep my money and offer a credit that I don't want. NY is shut down for concerts with no telling when they may be available again. Given that, a credit is useless. Just to be clear, I do not want a credit. I did not receive my purchase, I want my money back.
Consumer complaint received 2021-12-30
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-10-15
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: ENCORE CAPITAL GROUP INC. (WI)

XXXX has place 3 collection accounts on my report without my permission. The accounts in question from Midland Credit Management have not been verified. I have not received any information from Midland Credit that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The CMI with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Consumer complaint received 2020-11-26
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. (TX)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX
Consumer complaint received 2021-12-31
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. (IL)

I have been in contact with XXXX for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. XXXX has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX- # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue XXXX for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.