davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (HI)

I am the victim of identity theft, my debit card was used to make unauthorized online transactions, to XXXX XXXX. Dates of unauthorized transactions - XXXX, XXXX, and XXXX. XXXX = XXXX transactions for {$500.00}, totaling {$1500.00}. XXXX = XXXX transactions for {$1000.00}, totaling {$3000.00}. XXXX = 3 transactions, totaling {$4100.00}. All transactions total {$8600.00}. 

I did not authorize any of these transactions. Chime declined to reimburse my unauthorized transactions. 

I also filed a report with the Federal Trade Commission, stating that my identity was stolen and used to make unauthorized online transactions.
Consumer complaint received 2024-09-09
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. (CT)

There are multiple inquiries on all XXXX credit bureau that does not belong to me and I believe I'm a victim of identity theft. I've contact all bureau to remove the inquiries and they're telling me that the information is accurate which is incorrect.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Over the last 7 months, I have been disputing the inaccurate information on my credit report with the CRA 's ( Transunion, XXXX and XXXX ). They are in violation of these consumer laws : Under 15 USC 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the consumers file. 


ACCOUNT NAME : XXXX XXXX
Consumer complaint received 2024-09-09
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2022-11-26
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. (IL)

XXXX XXXX  on XXXX XXXX. 
I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

I am a XXXX XXXX. We use XXXX BankCard for Card Processing at our XXXX. On XX/XX/XXXX a client did a chargeback for a transaction processed in person at our location on XX/XX/XXXX. We haven't been notified of the chargeback, but the amount had been Debited from our bank account amount of {$660.00}. 

On XX/XX/XXXX another customer processed a chargeback for parts that were ordered and pay for on XX/XX/XXXX, and picked up from our location on XX/XX/XXXX, in the amount of {$8100.00}. 

In neither cases we were notified about the chargeback. 

In the first case, I have received 3 pieces of mail in XXXX, but because I didn't recognize who " Global Payments '' is- I didn't pay attention to he notice. Later, I found out that Global Payments provide chargeback claim services for XXXX Bankcard. But this is not explained in any of the notices received in XXXX about the first chargeback. 

Now, I found out about the second charge back ( {$8100.00} XXXX based on my XXXX Checking account- I woke up and got a notification from XXXX bank that accont has beed Debited for {$8100.00}. Then I called XXXX  and they provided the phone number to Global Payments, and that's who I got an idea of who is Global Payments. As of today, 8 days later after second customer filed a dispute for chargeback of {$8100.00} I haven't received any notification of a chargeback from neither XXXX nor Global Payments. Global Payments said they have mailed the claim information, but I may receive it later due to the COVID-19. But they already charged back the {$8100.00} from my banking account. 

Further, Global Payments provided me with a XXXX for submitting a response with proper documents. I have registered and tried to upload documents to the file, but the webiste doesn't work. On the website it is saying that XXXX, XX/XX/XXXX is the last day to submit a response for the chargeback. But the website doesn't allow me to respond. Also, If I wouldn't check my bank account, I would not even know about this charge back, and by the time their mail arrive- the claim would be closed. 

I believe this is not fair, maybe even not legal, not to provide customer with a normal timeframe for responding to a chargeback. 
I believe it is not fair not to inform customer about a third party that manages chargeback claims- Global Payments. Because I have only agreement with XXXX. 
I believe it is not fair to deduct money from customer right away, without any notice, and without first giving an opportunity to respond I believe it is not fair to not inform the client about a chargeback. Mail is not a proper form of notice, especially during pandemic. They have my email and my phone. Mailing would be an additional contact option. 
I believe it is not ok to offer a time frame for response that is less than time of mail arrival. 

Also, During my conversation with Global Payments, the agent was laughing and not very professional.
Consumer complaint received 2021-03-17
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)

XXXX XXXX should not be reporting to Equifax and XXXX a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Hi I had an agreement with amerisave to refinance my mortgage .3 % intrest Closing cost XXXX and a XXXX cash back at closing After paying the XXXX dollars and submiting all the paper. 
They send another agreement completly different 3 % closing cost almost XXXX And XXXX cash back Let me know if you need more information Phone number
Consumer complaint received 2021-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

ON XX/XX/XXXX a loan of {$10000.00} was approved by Loanme. ON XX/XX/XXXX a payment of {$500.00} was made.Subseqently monthly payments of $ XXXX were made without interruptions for 49 months until XX/XX/XXXX when I could no longer pay. Along the way repeated attempts to find out the payoff amounts were stonewalled, until3 XX/XX/XXXX when I was told to my shock that I still owed them {$10000.00} at which point I knew I could no longer continue paying them. Besides the pandemic eliminated any means of me meeting the bottomless obligation. The company was relentless in making harassing texts and phone calls besides threatening impending legal action.I need much needed help .from your agency to help me get out of this stress.
Consumer complaint received 2024-08-30
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. (TX)

XXXX, Equifax and XXXX are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.
Consumer complaint received 2024-11-16
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. (FL)

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 : Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$160.00} has violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. Remove these accounts within XXXX days of receiving this
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed my account without any warning or notice. When I called them they told me they sent out a notice in the mail ; which is absurd because all my communication is set to paperless ( all statements and notices ). I recently moved so I have not been getting all my paper mail, and since I had set all my communication to paperless, I was not expecting to receive anything in the mail either. 

Apparently, my closed was closed due to a returned payment because I had entered an incorrect account number. If I had been notified, I could have fixed it but Chase decided to close all three of my credit card accounts which have adversely affected my score quite a bit, and my ability to apply for a new card.
Consumer complaint received 2021-07-19
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: Colony Brands, Inc. (NY)

check these accounts that appear on my credit report, they do not belong to me, it is hurting me Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GINNY 'S XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-09-09
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. (GA)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : lt also states a consumer reporting agency can not furnish a 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 2024-09-09
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. (NY)

XXXX XXXX has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and XXXX XXXX says the information is accurate despite it actually being a fraud account. I never opened any XXXX  XXXX account in XX/XX/year>. XXXX  XXXX won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.
Consumer complaint received 2024-09-09
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

I received my stimulus on Friday night which was XX/XX/2021. I went to the mall Saturday to spend money for my son and after the third purchase both cards started to decline. I waited 24 hours to see if the car was going to unlock myself because you couldnt call the card number on the back because we couldnt get through. Every time you call the 800 number on the back of the card it will go to a voice message and then hang up so I could not resolve my issue with the company. Today is Tuesday, XXXX XXXX and Im still not able to use my card I have bills to pay in rent to pay and I can not use the money on my card.
Consumer complaint received 2024-09-09
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (WI)

i made complaints over the phone in the past about Netspend. This company has stolen hundreds of dollars and it is time that they pay the month of XXXX and XX/XX/2020 they stole {$60.00} then {$160.00} and yesterday XX/XX/XXXX I realize {$50.00} was stolen and now Netspend has made it impossible for me to login my account and every time I call the automated voice mail states that they're not taking any calls then say good bye and then hang up.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2021-07-18
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. (TX)

I called and spoke with a customer service agent there at Transunion explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.