davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Beginning approximately XX/XX/year> I began to shop for apartments. Upon finding an apartment that I could afford and liked I submitted an application for it to be denied. The denial was cited to be based on a Transunion tenant screening report. I was really perplexed Transunion is reporting XXXX evictions on my tenant screening report even though Ive never been evicted. When I initially received a copy of the report it showed XXXX different filings of XXXX XXXX with XXXX XXXX  judgments. The fact that the report flags that information as an eviction is false reporting. The applications will automatically be denied as long as results are present. I have subsequently lost substantial amounts of money upward of the {$350.00} range in applying for apartment approvals only to be denied. I have dispute this information with Transunion it was assured that it would be investigated. XXXX days later I received an email stating good news they show the information no longer being reported so I immediately did another application for residency and as you could XXXX I was still denied. Outside of this unconscionable situation Transunion continues to block my ability to not only view my credit report online but to even receive it via mail or any other form. I am barred from disputes online as well as the ability to review whats being reported and have been for over a year. Each time the system returns with an error error message saying try again later. For a time it said this is the most undergoing maintenance, but now it just doesnt allow me to do anything but also prevent me from logging in so I kind of get caught in a limbo of being logged in but not being able to make any movement beyond that.
Consumer complaint received 2020-03-20
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. (AR)

I'm soon to be in the market to purchase a home. I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report.
Consumer complaint received 2019-02-16
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: AMERICAN EXPRESS COMPANY (CA)

Last XXXX American Express came out with their new SPG Luxury credit card. They were offering XXXX bonus points if you spent a certain amount within the first 3 months. Since I already had a regular Amex SPG card I read everything I could about if that fact disqualified me from the bonus points. Based on everything that I read, I still qualified as long as the spending amounts were obtained. In fact, on XX/XX/XXXX I received an email from American Express stating that I would get XXXX points for upgrading. 
I had logged into my Amex account and upgraded the card. I spent the required {$5000.00} within the first 5-6 weeks of having the card. After not receiving the bonus points I contacted American Express in XX/XX/XXXX. They stated that I would not get the bonus points because I did not click on the link on the email to upgrade. There was nothing anywhere that stated that the only way that I would get those points is if I went through that email link. They are refusing to give me the points as originally promised.
Consumer complaint received 2019-02-15
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. (OH)

I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint XXXX XXXX Citizens Bank XXXX XXXX  XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against XXXX Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 


Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 


The merchant continued to charge my card, however, even after I had canceled the transaction with them. 


I disputed XXXX transactions from the same merchant XXXX XXXX XXXX XXXX ) located in XXXX, XXXX ( totaling {$4500.00} ) ================== [ $ XXXX $ XXXX {$1000.00} ] + [ $ XXXX $ XXXX $ XXXX {$250.00} ] ================== The merchant is getting away with the money and the goods. The merchant is located in XXXX, XXXX. 


The bank issued the provisional credit. Few weeks later, the bank reversed the provisional credit, and decided the dispute in the merchant favor, and ( unfairly ) let the merchant to keep the money and the goods. 

The bank was biased against me and discriminated me on the basis of National Origin, Gender, age, and Ethnicity. 


I have never received any goods from this merchant. The bank, however, decided to let the merchant keep the money and the goods, as well. 


I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. And falsly claim that I have not filed my dispute timely. 


I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal. Falsly claiming that the dispute was not filed timely, which is totally false.I filed the dispute timely. 


The bank seems to be biased against me and discriminated me on the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Thank you for your kind assistance and look forward to hearing from you, Respectfully, XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. 

Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations associated with the above-referenced account. Your agencys incorrect reporting of this account violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage to my credit profile. Immediate correction is required to avoid further escalation. Violations Identified for the XXXX  XXXX  1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX  and XXXX XXXX. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts. 2. Discrepancies in Last Activity Dates o TransUnion lists the last activity as XXXX, while XXXX  reports it as XXXX, and XXXX  reflects XXXX. This inconsistency directly violates 611 of the FCRA, which mandates accurate and consistent reporting. 3. Failure to Align Payment History with Account Status o The payment history indicates multiple late marks even after the account is marked paid and closed, which creates an inaccurate reflection of the account's standing. 4. Dispute Status Not Updated o The account is incorrectly marked as "Account Not Disputed", despite previous efforts to correct the reporting. This non-compliance with 623 of the FCRA demonstrates a failure to properly handle disputes and ensure accurate updates. 5. Conflicting Remarks and Status o Remarks state, "Closed or paid account / zero balance, fixed rate," yet late payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (VA)

I applied for the Citi Bank credit card with XXXX XXXX. I received an immediate approval and was sent a notice of approval in the mail on XX/XX/2019. I never received my card in the mail. After getting an email from Citi Bank stating that I should have my card by now and activate it, I called them because it had not arrived. They told me that it had been sent to the wrong address and that a new card would be expedited to me by XXXX arriving in 1-2 days. On the evening of the second day I contacted Citi Bank as the card had not yet arrived. I was then told they aren't allowed to expedite cards and that they could not give me my account information to book the trip I originally got the credit card for. I was told that it would be another 7-10 days to receive my card. Waiting for this card to book my trip has already cost me over {$300.00} as everyday I put off booking, the trip becomes more expensive.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-02-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS RELIABLE LENDING LLC (OH)

Nations Reliable Lending XXXX XXXX XXXX office in Ohio has a XXXX XXXX insurance agent XXXX XXXX XXXXdirecting business inside the building forcing customers to go with this insurance agent or the loan is not approved all so the loan officer and owner of National Reliable lending can get a percentage of premium. Not looking out for clients best interest. Only looking for kickbacks.
Consumer complaint received 2023-03-08
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. (MA)

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that this account has different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX on XX/XX/2019 the day before I even showed up at XXXX XXXX dealership, which is an affiliated company. This inquiry was not authorized by me and appears to have been done in a nefarious manner. I authorized no inquiry until XX/XX/2019 when I came to the dealership, when XXXX did a credit inquiry for a second time but with their true name XXXX/XXXX XXXX/XXXX  short for XXXX   XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
It was done in a nefarious and discreet manner to avoid detection. I spoke with the affiliated company XXXX XXXX, whom I have never had any dealings with and they told me that their credit inquiries are under the name XXXX XXXX XXXX. They are also located four hours from my home and I have had no dealings with them. 
The XXXX dealerships are saying that they do not know where this inquiry came from and EQUIFAX has been of no help. I have sent them my drivers license and a 1099R to identify myself and they still will not talk to me. I did put in a request to have this inquiry removed but i have no ability to check to see if this has happened. I should indicate that i became " locked out '' of my credit file after filing a complaint with XXXX XXXX and XXXX XXXX. Equifax would not even tell me why they wouldn't talk to me. AND WHEN I ASKED WHO I WOULD COMPLAIN TO ABOUT EQUIFAX, THEY TOLD ME THERE IS NO REGULATORS WHO WATCH OVER THEM. JUST COMPLAIN TO THEM. I knew that could not possibly be true. In addition, i was asked several times for my social security number, and it was repeated with other people in close proximity to the person taking my call. I could hear them. It sounds like an overseas operation and i question why they insisted on repeating my social loudly.
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Disputed an account thats reporting on my credit report with Equifax, Account : XXXX # XXXX. Disputed on XX/XX/2019. Received a confirmation that my disputed was received and being processed. Received multiple emails after stating that the dispute was being processed, last email was XX/XX/2019. Have not received anything else from a Equifax and can not access the dispute via online any longer.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2019-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed TransUnion, XXXX & XXXX asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only TransUnion responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
Consumer complaint received 2019-02-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian via Phone and in writing in regards to the 5 accounts below were not mine. I have contact the company directly and asked for a copy of the credit card application or anything showing I had a credit card with them and they said they have nothing on file That they are a catalog company and anyone can call and set up the accounts. I advised them that this account dont below to me which is the same thing that was send to Experian. then Experian claim to have investigated and just updated my credit report stating it was completed. And the companies then added new Failure pay on my credit report for XX/XX/XXXX. This is fraud and illegal. I need to file a formal complaint against all ( 5 ) of these accounts and Experian and have them removed from my credit report and my credit report updated to reflect no negative accounts with this company all. 


You have 5 Negative Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX   XXXX {$540.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$580.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX {$330.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX {$280.00} - - Installment Negative XX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (IL)

BMO Harris Bank 's statement is calculating the credit ending balance incorrectly. On my XX/XX/XXXX bank statement, the previous balance is XXXX ( CR ), other credit for this period is XXXX ( CR ), however, the ending balance is only showing XXXX ( CR ) rather than the accurate amount of XXXX ( CR ). 

In addition, for the XX/XX/XXXX statement, it shows the purchase amount is XXXX, which exactly offset the credit amount I have been on the credit card, but it was never incurred. 

My statement is understated. I tried to contact BMO, but it takes forever to talk to a real person.
Consumer complaint received 2019-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (MS)

My XXXX contract has been never renewed they do not have a signature on file to continue this service and as of today 's date I have on numerous attempts ask them to send the contract they said they have. They have renewed the contract themselves without a signature and continue to bill me fees for anything regarding their own upgrade or update of their alarm. Sometimes the system would work and there are days when it would not. I called them on numerous occasions to fix their system. They advised they would finally show up and that I would not be billed. Unfortunately they did bill me for up keep of their own system in charges that were more than {$500.00} in up keep they would not put batteries in their system to update nor would they update smoke detectors under a contract making the customer pay more than {$500.00} just for the smoke the detectors and glass breaker up keep. The customer is not advised after the tech leaves of the bill and is never aware of what is owe. The customer does not get an on site bill and later is in shock on money owed. When a customer calls they do not get accurate billing and it is a considerable long time in wait to get a hold of someone to handle account. I paid my bill they advised that I owed the amount of {$310.00} this amount was paid. Today I get a bill from a collection company for the same amount of {$310.00} that they deducted from my checking account. They are not advising the customer what they are doing not sending notices and billing the customers for services without the customers consent. The company is making money from the consumer by not upgrading their system and making the customer pay to do so. The company is not straight forward with the consumer about charges owed and the consumer is blinded not knowing money owed. The company renews contracts without signatures.