davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-13
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-13
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXXXXXX XXXX Account number XXXX XXXXXXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These hard inquiries dont belong to me, hasnt being autorized by me has to be removed. 

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 2024-11-01
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: GOLDMAN SACHS BANK USA (WA)

I have APPLE CARD/GS BANK USA and they reported late payment for XX/XX/year> to XXXX. The company suspended my account without my consent and blocker access to view or pay the balance. They also did not send out notification on balance and reported to credit bureau. I have opened the dispute with XXXX 4 times and they said it is accurate. I am unable to reach them or make them understand the reason. The information may be accurate but the reason for the late payment is XXXX. 

Since, I have called XXXX up and repaid the full amount they are not incentivized to correct their mistake. XXXX is unwilling to do the right thing and am unable to reach human dispute specialist as the XXXX  won't connect the phone. The late payment was XXXX XXXX and this has decreased my score by XXXX XXXX. This is unfair, though the other Bureau initially agreed with my dispute, they have all added XXXX XXXX results now.
Consumer complaint received 2024-10-13
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. (MD)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Consumer complaint received 2024-10-10
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. (PR)

Recently I looked at a copy of my credit report and noticed severas inaccuracios no my accounts. This accounts is hurting my ability to obtain credit. It is my understanding that you will investgate these tems for me to ensure accuracy. Here is the tems I am asking you to verifique as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : IDTheftReportXXXX  REMAINING ITEMS TO DISPUTE : XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX - XXXX XXXX XXXX IN XX/XX/year> XXXX XXXX IN XX/XX/year> XXXX XXXX XXXX XX/XX/year>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/year>
Consumer complaint received 2024-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I started working for a security company, and then as I opened up a business account, there was Merrill Lynch involved and then the process I was dealing with the representative that was helping me with my XXXX  XXXX  opening of process going and between all that was going somehow me and the agent that I was lost contact at the end of completing my whole deposit of funds benifits online with Merrill lynch was open everything was set then XXXX  XXXX tried to fire me a couple times I didnt understand it Ive come to realize they were up to no good either I had a contract and they never even let me complete that let alone start it. So long story short at the end when they finally found way to let me be I found out a lot was going on such as when I lost contact with agent it wasnt by accident that was all planned something even worst that imagened they continued with the opening process to my account and that Job I was working for XXXX gained tremendously I have documents show how that is to be. Anyways now theres a business checking opened with a signer I dont even know at all with complete access to XXXX XXXX  XXXX  gave know idea who they are its been going on for awhile so thats definitely should be considered fraudulent and I have been dealing with slot grievance about this situation theres statements thats has up to millions in transactions in my name but again without my consent I need help bad. What they did was use my XXXX XXXX XXXX XXXX  and XXXX XXXX  to run the business that way I will have no way to access the account. Ive went to banks they dont want or try at all to help out Ive XXXX slot about these financial services and they worst it can be Im surprised how they get away with so much amazing scary.
Consumer complaint received 2024-10-07
Product: Credit 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: SYNCHRONY FINANCIAL (AZ)

XX/XX/XXXX {$480.00} Sychrony Bank  XXXX XXXX XXXX ) XXXX XXXX Fraud # XXXX Policy Report # XXXX XXXX XXXX XXXX XX/XX/XXXX - Bank XXXX alert to my email and text. I confirmed with bank that this was a fraudulent charge. 
XXXX XXXX case opened by Bank XXXX email sent ) XXXX Email from bank denying my case saying I received the item and benefited from purchase according to XXXX XXXX records. 
XXXX email from bank cancelling my card and fill out information about fraud case requested from me to send them to review. 
XXXX email received from back denying my claim once again saying the same reason as the first that I received the purchase so no credit will be issued. 
XXXX I called bank to reopen the claim and received a letter to confirm this. 
XXXX I called bank to give them XXXX XXXX fraud # and confirm that I spoke in person with XXXX XXXX managers at the store involved and they confirmed that they did not require an ID only purchase number to allow the purchase to take place. 
XXXX email from bank denying claim again for same reason. I reopened the case again and spoke to XXXX and XXXX at bank to confirm XXXX XXXX not required ID. 
XXXX I faxed and mailed affidavit again to bank on this. 
XXXX another denial letter from bank for same reason that I purchased the item. 
XXXX I called bank again to reopen the case and to have investigator please call me to if needed to help resolve this case. 

Synchrony Bank is not demanding any proof from XXXX XXXX of the ID of the person that picked up the purchase via curb side. XXXX XXXX employees even confess they do not require proof of ID when picking up a purchase except when the item is over a {$300.00} purchase then ID is required. XXXX XXXX managers admitted that even with that said, they did not require ID, only proof required by XXXX XXXX is the ID order number and they will hand over the purchase to anyone that shows up at the store via curb side. The order number can come from an online app that one creates from XXXX XXXX and does not have to come from an email to get the order number.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NV)

My online access seems too changed. I tried to login online and I can't recieve my username or PW to the email on file. I have been calling EXPERIAN for 3 days and I cant get through the automated prompts. I think someone has accessed my account and changed my experian login information. My email associated to the account is XXXX. My contact is XXXX. I've tried calling and can't through to customer service this is very frustrating. There was concern so I tried accessing my credit file and now I cant access it. I have tried multiple times to send myself the username to reset my PW and the emails are not coming through. And yes I checked my junk mail they are not there. 

I need assistance accessing my account online to access my credit report!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-16
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. (NJ)

In accordance with the fair with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (TN)

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX TransUnion LLC ( XXXX ), TransUnion faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX or XXXX XXXX Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (GA)

I am writing to file a formal complaint regarding Chase Banks failure to release a lien on my vehicle, which was fully paid off in XX/XX/year>. Despite repeated requests to Chase Bank, they have not taken the necessary steps to release the lien, preventing me from obtaining the vehicles title and causing significant financial hardship. 

Background : XXXX XXXX : I had an auto loan with Chase Bank, with loan number XXXX, which was fully paid off on XX/XX/year>. 
Chase Complaint Reference : I have submitted a complaint to Chase regarding this issue, under complaint number XXXX. 
Lien Issue : Since the loan has been paid in full, Chase Bank should have released the lien on the vehicle, but they have not done so.

Issues Arising from the Lien : 1. Inability to Sell the Vehicle : Due to the lack of title and the unresolved lien, I am unable to sell
my vehicle, which has prevented me from capitalizing on its value.

2. Insurance Costs : I am continuing to incur expenses by paying for car insurance on this vehicle, as I am legally obligated to do so as long as I hold ownership.

3. Additional Financial Hardship : The inability to sell the vehicle has led to additional financial stress, as I am deprived of funds that could be available to me.

Actions Taken : I have contacted Chase Bank multiple times to resolve this issue, but they have failed to provide a solution or confirm when the lien will be released.

Request for Resolution : I am requesting that Chase Bank immediately take the necessary steps to release the lien on my vehicle so
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year>, I was shocked to receive an alert from my credit monitoring service indicating a drastic drop in my credit score, flagging a potential identity theft. This was a significant emotional blow, as I have maintained an excellent credit score and carefully manage my finances. I immediately investigated and found that my Venmo account, which I trusted fully, was showing an unexpected balance of {$9900.00} with interest charges totaling over {$2600.00} ( a few hundreds every month in the past 2 years ). 

I have been a loyal Venmo user, relying on the apps services for years and trusting that the company would communicate any important account information accurately. I regularly check my Venmo app and had always seen my Venmo Credit Card listed with no balance or alerts that would indicate a problem. Venmo has also been sending me paper statements monthly, and none of these statements showed this large balance or any accumulating interest, reinforcing my belief that everything was fine. 

I realized that I always saw an empty app screen whenever I opened my app which was clearly bug and I just saw the accurate app screen {$9900.00} on XX/XX/XXXX. 

The apps failure to display any clear information about this balance left me unaware of the accumulating charges, and I am certain this issue is due to a technical flaw or bug on Venmos part. Had I seen even a small balance, I would have paid it off immediately, as I always have with all my accounts to avoid interest charges. In fact, I have never carried such a large balance or accrued interest, and this situation has now damaged my credit scoresomething I have worked for years to protect. 

Upon discovering this issue, I called Venmo customer support and spent over an hour with three different representatives. Each one confirmed the balance as correct but was unwilling to waive the significant interest fees or acknowledge any fault in how the app displayed account information and how they failed to inform me. Instead, I was left feeling dismissed and without support from a company I trusted. 

After researching online, I found others have also had negative experiences with Venmos customer service and communication issues, which deepens my frustration. I have since paid off the balance, but I am now requesting a full refund of all interest charges due to Venmos lack of transparency and failure to notify me properly. I am also seeking compensation for the time, emotional distress, and impact on my credit score, all caused by this preventable issue.