davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Trans Union offers a service to verify employment for organizations who want to use a third party. Background companies have to go to TransUnion ( they have a monopoly on this type of service ) in order to verify one employment. i.e. I want to verify, for example, someone who worked at XXXX XXXX Bank. I call XXXX XXXX and they say in order to verify go to " XXXX XXXX XXXX '' which is TransUnion. 
I go to XXXX XXXX XXXX and they require that I put in only the SSN for that applicant I want to verify. XXXX XXXX doesn't come up but XXXX ( which I wasn't even looking for ) comes up and even though I was only looking for XXXX XXXX, I am charged, WAIT FOR THIS {$87.00}. I have to pass this fee on to my client and they aren't happy with us because they weren't looking for XXXX, only XXXX XXXX. It turns out the applicant worked for a temp agency and sent to XXXX XXXX to work on a temporary basis. TransUnion is trying to put background companies out of business and own the verification process. Many years ago, Trans Union required that we put in a code number for the company you are looking for and only that code number was verified. If nothing popped up then you weren't charged. Now no matter what comes up, we are charged, even if we no don't need or want any other information. I'm furious and my clients are furious. Applicants sign a consent for release of information only for the information that is on the application that they fill in, not a release of other information that TransUnion is providing. Therefore, my client, their applicant and we, the background company are not covered by the Consent for Release of information. I have been fighting them for years and the price keeps going up and up. We can't go anywhere else to get the verification because TransUnion has a monopoly with these employers. TransUnion comes back to us saying " you get more information '' and I keep telling them we can't use this information because the applicant has only signed a consent for the information they provided on their job application. Please add this complaint to the numerous other complaints against TransUnion. Bottom line is we are paying for items that we are not looking for. They are making us pay for verifications we don't need and don't have the right to use. Please stop them from taking advantage of background companies and businesses trying to do backgrounds on perspective employees.
Consumer complaint received 2022-07-24
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. (MI)

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board  where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OR)

Started opening a checking account online, then had to visit closest location because I couldnt go any further online for set up until I physically had the account number or debit card. 
XX/XX/22 went into Keybank in XXXX XXXX, XXXX to finish opening the checking/savings accounts, also possibly mutual funds. I thought everything was on track until my debit card never came, and keybank froze the checking account unannounced, which subsequently affected my direct deposit I had set up, do the funds were sent back. I incurred unnecessary charges because I had to use my credit card to pay rent, and the employer incurred unnecessary charges because the funds were rejected by keybank. 
After a discussion over the phone with XXXX from Keybank about the charges, they refused to take responsibility for the incident. After 3 weeks of pestering him almost every 2 days about the debit card I finally received it after calling the customer service line for the second time in this period. They did finally XXXX  it to me overnight. XXXX had every excuse in the world why it wasnt keybanks fault, and I believe lied to me on multiple occasions about the status of the debit card. It sure is interesting that everything as far as funds for them to look good went as smooth as silk. The funds transfer to there credit card, moving monies from a previous institution to there bank all went without a hitch. KEYBANK had the nerve to tell me, they sent me a letter about freezing my account, I still have not received it. All these debit cards that XXXX supposedly requested before I got mine, youd think they wouldve showed up after 3 weeks, nope. Finally he asked me to send him proof of the unnecessary charges, that he was going to present them to his manager, but no promises. I did as XXXX asked to try to recoup over {$100.00} because of them. Still have not heard a squeak. I have to keep prodding him along to get any kind of answer. Most of the time its just sorry. Ive heard empty sorries so many times now, its a slap in the face more than anything from XXXX, XXXX, and everyone at keybank XXXX XXXX, and online customer service.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (MD)

XXXX is incorrectly showing my last payment was on XX/XX/XXXX. I reached out to Experian to dispute this. My payment history clearly shows that my last payment was on XX/XX/XXXX. That means that the trade line should be falling off my credit this year. I provided the account history record to Experian. They did not change the information. They claim to see what I sent and are only offering for me to send it again even though they have it already. They want me to make another dispute with the exact same information. 

XXXX is under investigation right and left for their handling of student loans. I provided information directly from XXXX 's site. The XX/XX/XXXX is clearly a date they randomly made up in my account- another sign of what kind of company they are! 

We all know XXXX is a bad actor. But their bad actions are continued by the help of the credit bureueas. One credit bureau correctly removed the tradeline several years ago due to XXXX 's inability to dispute my debt. The other two have not. And now, they are falsely reporting on my debt.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-15
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: Convergent Resources, Inc. (MN)

On XX/XX/XXXX a letter was sent to Convergent Outsourcing to verify a debt report to the credit bureau. On XX/XX/XXXX a letter response was received from Convergent Outsourcing claiming the debt was validated and attached was bill. 
On XX/XX/XXXX, I replied back to Convergent Outsourcing that as per FTC opinion letter from attorney XXXX XXXX XXXX, A print out of a bill or itemized document does not constitute verification. 
After more than 30 days there was no response. 
On XX/XX/XXXX, I sent a letter to convergent outsourcing a notice of their violation of Fair Credit Reporting Act 623 ( a ) ( 3 ) by not responding within 30 days of receiving my dispute.

At this time I have exhausted all of my good will attempts and will be seeking a minimum of {$1000.00} in damages per violation for Defamation, Neglect of Fair Debt Collection Practices Act ( including but not limited to section 807-8 )
Consumer complaint received 2022-06-07
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. (MS)

The Credit Bureaus ( TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX XXXX XXXX Date XX/XX/2XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/21, 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I put down a " deposit '' ( actually was a fee ) for {$500.00} dollars as it was required to start my loan. Halfway through the loan, a few days into verifying my income, they came back with a " counteroffer '' because they said my income was lower than reported before they had even finished validating my income. I told them this was not correct and what they were doing is wrong to try and change loan terms before validating income. A few days later after they tried to give me a sub-par loan with the counteroffer, they validated my income as what I had originally told them it was, but this experience where they tried to lower their loan terms on me did not seem ethical. I imagine they do this to many of their customers and it is going to adversely impact the quality of loans given to those with non-traditional incomes or those without a lot of financial confidence ( first-generation wealth for those who had been impacted by poverty comes to mind immediately ). After they did this to me I was worried my loan would not go through and they would try and scam me with this counteroffer proposal so I started engaging in new loans. I found a better loan and wanted to get away from this shady company that tried to scam me. When I informed them I wanted the deposit back and to cancel the loan, they told me because they canceled my loan ( at my request ) they could not refund the deposit. So in the end they did the thing that would allow them to keep my money when I was asking for the opposite. Very shady company and think incidents like these should be investigated further especially regarding discrimination as I would imagine their unethical practices are strongly impacting XXXX and other ethnic minority borrowers whose families only recently made it to the USA and are not sure of all of the rules. Chase will take advantage of their lack of experience in the US financial markets while having issues " validating their income '' and give them sup-par rates and loans to make a quick buck due to their inexperience.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX / XXXX / {$570.00XXXX XXXX XXXX / XXXX / {$8000.00} XXXX  XXXX XXXX / XXXX / {$0.00} XXXX OF XXXX / XXXX / {$5700.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

It should be illegal. I havent use my credit card for months and the credit card company itself put me over my limit and for the last five months they keep charging me finance fees and late fees and I can not catch up and my record show that Ive been paying every month they say Im six months behind and I owe {$680.00} over my Credit card limit. If I havent use my card for eight months they shouldnt keep charging me over and over again for finance fees and late fees I am having a very difficult time paying this down especially a big lump sum like they want. I got behind one month back in XXXX and Im still trying to catch up can you please help me and stop all of these nonsense charges
Consumer complaint received 2022-08-23
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. (CA)

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2021-12-30
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: BARCLAYS BANK DELAWARE (FL)

Received Statement XX/XX/2021. Called to cancel card and was told on that day card was closed and {$59.00} subscription fee would be reversed. This fee was not credited and each month since XXXX we have incurred late fees and interest fees. We have documented numerous call to Barclays in good faith to resolve and close out card once and for all. Each time we called we were assured all fees were removed and the {$59.00} remained in dispute as the merchant refuses to respond to dispute. We have called the merchant, Frontier Airlines, and get put on hold for 120 minutes only to be disconnected each time. We did not authorize the charge and reported it to Frontier and Barclays within the required 30 days notice. We have even sent a letter to Frontier about this matter without response. We have done our due diligence and in good faith attempted multiple time to get credit. Interestingly every time we call Barclays they suddenly get " system errors '' and can not help us at this time. The agents are clearly running interference and making it impossible to obtain resolution. We are not being treated fairly and we are reaching out for assistance.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt XXXX and would like for all listed account to be blocked and deleted company information from XXXX. 

Please delete the following account : XXXX Account number : XXXX Balance : {$0.00}