davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Consumer complaint received 2023-07-03
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)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX I lost my home car and all my possesions to hurricane Ian. The only thing we were able to salvage was our lives. This lender Regional Acceptance was notified of the hurricane and the fact, my daughter and I were in dier straight from a natural disaster. They agreed extend the my payment for 60 days or the could reposses. They also said the principle loan was satisfied in XXXX of XXXX what I was paying for was penalties and interest in the amount of XXXX. Later found out after contacting GAP isurance which I had been paying for since I purchased the Vehicle lapsed be Regional failed to extend the coverage when they extended the contract the lapse occurred XX/XX/XXXX. 72 months. In the interim Regional strong armed me to sign a contract to make me pay for the car that was destroyed a salvaged vehicile. I have written several times complaining about there practices. Now they have ruined my credit and my life by charging off this car XXXX XXXX XXXX XXXX. I have asked begged and pleaded to please be fair as this action was not something I wanted but I can't afford this and I lost everything. I am asking to remove them off my credit report as this action dropped me XXXX points and caused other lines of credit to drop me and or reject me. I am a XXXX XXXX as well this action is unfair. The mental and financial anguish is totally unjust and not right.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: PayActiv, Inc. (MO)

Company deducted {$500.00} from my payroll check that I did not initiate ( or receive ). Customer service agents were unfriendly on the phone and came short of accusing me of lying about receiving the money. They supposedly did an investigatuon, which lasted for 3 days. The resolution they came up with was that they were not going to reimburse me and told me several times that their system was basically foolproof and that friend/family fraud happens more than I'm aware of. They did no actual investigation into where the money actually went, which was definitely not me. Nor was I ever notified via text or email ( which I always am ) if I withdraw any money. I am basically out {$500.00} with no recourse at this time.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to relocate my son and I back to my hometown. Unfortunately all of the rental properties/apartments have been denying me an approval due to a Background Rental Screening. Wherever theyre pulling their information, or the sites these leasing offices use, has old and incorrect information still listed. I had a judgment from XXXX or XXXX with : XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. 
It seems like XXXX XXXX XXXX XXXX bought them out now. However I have already went to court for this three years ago and paid the balance off IN FULL! I even drove two hours away to go back to the clerks office at the courthouse for a certified printout and to ask why is there a balance still showing? The clerks office stated this case was DISMISSED without Prejudice and was signed off by the company who initiated the judgment. Their address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I have spent over {$800.00} in applications and holding fees. This is a very sad situation. I need help in order to be placed in housing so my son and I can have somewhere to LIVE. Please reach out to me if snuggling else is needed. If this remains an issue, I will seek an attorney and go after the Fair Credit Reporting Bureau and any other Company needed.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of fraud for a total of XXXX. I was believed to be talking to a chase representative. The fraudsters manipulated the app, they added accounts under my name that werent mine, they sent me texts using the chase app, they authorized themselves using the chase app, and I was manipulated to believe I was speaking to chase because they followed the entire protocol. 
I was 100000 % believed I was sending money to myself and I have proof of it. There was never any intention to send money to someone else. I called chase seconds after realization, and their first response over the phone was NOT to close or freeze my accounts. I had to go to a branch to speak to someone directly. Banking with chase I do NOT feel safe. I have a personal AND business account and I dont feel safe making any transfers. 

Ive called the executive offices and the manager refuses to give me the information to her boss. I need my case to be reached to higher ups. I promise you, I will not quit. 

I will make 100000 more complains and 100000 police reports. I am try my hardest to take my case to the news, and I will 100 % be telling my story to social media in hopes someone will hear and fear to bank with Chase unless I am helped. I am a small business owner trying to to run a successful business without that XXXX but it is so hard. 

Chase, you are the number 1 bank in the United States. You have the means to help me get my money back.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XXXX XXXX XXXX, I paid the agreed upon settlement amount in full for Credit Acceptance Account # XXXX. Per the settlement arrangement, Credit Acceptance agreed to update my credit report and send us the lien release ( for title ). 

On numerous occasions ( via phone and in the Credit Acceptance online portal ), Credit Acceptance confirmed ( and showed ) the " XXXX balance '' as per the paid settlement agreement. 

Despite payment in full, on XX/XX/ and for the next three months, Credit Acceptance continues to show a balance as {$13000.00}. 

My wife and I called and asked Credit Acceptance to properly report the balance on all XXXX credit bureaus. They refused. I was told that even though they see the XXXX balance, it's not their obligation to report that to the credit bureaus unless we file a complaint with Credit Acceptance in writing which could take 30 days. 

When I stated this is a Fair Credit Reporting Act violation, they said it's not because they only update balances when consumers file a written complaint. 

Even if this was their internal process for " closed accounts, '' what makes this an intentional violation is that Credit Acceptance reported the wrong balance and status on XX/XX/ on my " closed account '' despite their internal system showing a XXXX balance. 

To date, Credit Acceptance refuses to properly report my balance and update the status of this account on any of the credit bureaus. They have ignored my requests to report this accurately. It is causing an extreme financial hardship on me and my family. I am the primarily bread winner in my family and my credit has dropped almost XXXX points as a result.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$0.00} {$990.00} Credit Limit : {$750.00} {$750.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Unpaid balance reported as a loss by credit grantor. 
Account legally paid in full for less than the full balance. 
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (FL)

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three XXXX. XXXX andtransunion and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (IL)

I am writing to address your egregious lending practices, which are a clear violation of federal law. Referring to 15 USC 1602, I am now fully aware that I am the CREDITOR and that you have taken advantage of me as the fiduciary. Your actions have knowingly violated several lending practices, which is a blatant disregard for consumer rights. 
Under 15 USC 1611, I hold you criminally liable for your willful and knowing violations. You have knowingly deceived me on what was being requested and failed to disclose that you did not have proper documentation, and conducted deceptive practices. Your actions are completely unacceptable and will not be tolerated. 
You provided no insurance or documentation to waive, and failed to provide any information on educating consumers about their option to rescind. To make matters worse, you reported two account numbers to the credit bureaus, which is a clear violation of consumer protection laws. 
As a result of your deceptive practices, I will be exercising my rights under 15 USC 1691. Your actions have caused great stress on me and my family, XXXX XXXX XXXXXXXX and negatively impacting my livelihood and relationships. These effects have been documented with the Veteran Administration. 
In accordance with 15 USC 1681, I want to make it clear that you took advantage of me, deceived the IRS, conducted deceptive practices with the Credit Bureaus, and were NOT forefront with the CFPB. Your actions are not only illegal but also morally reprehensible. I demand that you take full responsibility for your actions and make restitution for the harm that you have caused me and my family.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IA)

Hello. I recently filed a fraud claim with my bank against cashapp in the amount of {$1400.00} on XX/XX/2023 and i had a new debit card rushed to me. The new debit card came in and i was going to go to the drive up chase branch near me, the only one near me. The branch doesnt have the option of going inside and talking to someone its just a drive up ATM in XXXX XXXX IL XXXX 

i tried using my digital wallet that i had linked through the mobile app and the transaction declined for possible fraud which i verified was me via the text it sent to my phone and tried again and it failed once more. 

I called Chase bank and verified my identitiy and was told my card was shut off and i needed a new one..after trying to have a new card issued, i was told by the rep on the phone told me that my account was restricted for a check deposit when ive never deposited a check into my chase checking account. Never. So i was lied to on the phone by customer support. i was using my debit card just fine before attempting to withdraw money out of my account at YOUR branch drive up ATM. 

I was told i had to step into a branch to verify a check but ive literally never deposited any check into my account before. Never had any issues with CHASE BANK before this whole situation happened today XX/XX/2023. All i tried to do was remove the funds given back to me from a fraud claim the previous day and now my entire account is restricted about some check i never even deposited into my account so im really lost here and this has been an awful banking experience, i dont recommend Chase to anyone if you dont wan na go through hoops just to get your money and use it how you want lol what a joke.

I've attached screenshots of my 2 bank statements as well. No mention of a check deposit anywhere in my checking account. SO WHY IS MY ACCOUNT RESTRICTED?
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft, and despite my repeated efforts to notify Experian, XXXX, and XXXX about the fraudulent information on my credit reports, they have failed to remove the inaccurate addresses, phone numbers, and employers that do not belong to me. This situation has caused me significant distress and has the potential to harm my financial well-being. 

I have sent multiple letters to XXXX, Experian, and XXXX detailing the fraudulent information and requesting its removal, but to no avail. The addresses, phone numbers, and employers listed on my credit reports are not associated with me, and their presence is a result of identity theft.

The fraudulent accounts and personal information on my credit reports, as well as the addresses mentioned in the documents I provided, clearly indicate that my identity has been compromised. Despite my efforts to rectify this situation, the credit bureaus have failed to take appropriate action.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. It is crucial that the inaccurate and fraudulent information on my credit reports is promptly removed to prevent further harm to my financial reputation and well-being.

Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-25
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX al, XXXX Creditor. Experian Address XXXX, XXXX, TX XXXX Recently i looked at a copy of my credit report and noticed several inaccurate accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in intrest every year.it is my understanding that im entitled to a proper investigation of these items to insure accuracy. 


Here are the items im asking to be verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete please send me the results via email. 

Thanks in advance, XXXX XXXX XXXX regards