davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
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. (MI)

RE : Inaccurate Late Payment Reported Inaccurately Inaccurately Reported Account : XXXX XXXX Under the CARES Act, if you had an agreement with your lender or creditor to defer payments, enter forbearance, or make partial payments due to the COVID-19 pandemic, your account was generally protected from being reported as delinquent. Specifically, for late payments, the CARES Act required that account must be reported as current if they were current before the agreement was made, even if payments were deferred or reduced. This protection was effective from XX/XX/XXXX, and lasted until 120 days after the national emergency concerning COVID-19 was terminated. The emergency declaration was officially terminated on XX/XX/XXXX, which means the protections would have lasted until XX/XX/XXXX. If your lender did not honor this, you may have grounds to dispute the late payment. The account is opened last XX/XX/XXXX, and protected from being reported as delinquent. The payment history and the status of this account is inaccurate. This account should not be late pursuant to the CARES Act. Thoroughly investigate and update with lawful accuracy. 
This account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. Please reverse the late payments under the CARES ACT. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Thank you for your urgent attention in this important matter.
Consumer complaint received 2024-10-24
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: JPMORGAN CHASE & CO. (LA)

I did not authorize the following inquiries on my consumer report JPMC Card - XX/XX/year> JPMC Card - XX/XX/year> JPMC Card- XX/XX/year> JPMC Card XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-24
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: CITIBANK, N.A. (CA)

I was contacted on Tuesday XXXX XX/XX/year> by Citibank saying they though a charge of {$1100.00} was fraud. I was grateful for their vigilance, and asked about the dispute resolution. I was routed to XXXX different off-shore call centers and finally told that the fraud department would not take a look at the charge as yet, because the vendor had not responded. I don't understand that a charge of that amount would remain on my record because of the vendor behavior. We all agree that the charge is a fraud, so why is this policy so dilatory?
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (VA)

I use cashapp as a secondary bank account. Had looked at my statements someone hacked into it and fraudulently brought XXXX  with it and spent it. Started on XX/XX/XXXX at XXXX all the way till XX/XX/XXXX @ XXXX over XXXX $ worth of money had been fraudulently spent. I contacted cashapp support they told me it was a loss and nothing could be done.
Consumer complaint received 2024-09-27
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-27
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. (SC)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-09-27
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. (IN)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have called them trying to resolved my issue but they gave me little to no help. These missed payments from both accounts I have with capitol one is stopping me from securing a home for me and my children. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
Capitol One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I received my paycheck funds into my account totaling to about XXXX dollars after receiving the funds my account was hacked into and the funds were removed via ATM using my debit card which I no longer had access to. I called the morning after the incident took place to see what actions could be taken and was advised to wait until transactions post before I was able to file formal dispute resolution. I was also advised by supervisor that once I did that I would receive a temporary credit in the amount of the dispute until it was resolved and I actually never received it. I explained to multiple employees the unfortunate situation I was faced with and was reassured that I would get my funds back. After the dispute was formally filed after only about 2 days I received notification that the claim was denied because they believed no error occurred even though I explained that my account was hacked into and my PIN code was changed and funds were removed fraudulently by hackers.
Consumer complaint received 2024-10-24
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: JPMORGAN CHASE & CO. (TX)

On the night of XX/XX/XXXX into the XXXX, XXXX my phone and wallet were robbed from me in XXXX XXXX and my Chase XXXX credit card had unauthorized used at a store. The transaction was made at XXXX  for {$550.00} I was left helpless without a phone and wallet and I filed a fraud claim with Chase as soon as possible. I was credited the amount and not asked for anything else. On XX/XX/XXXX I received an email that my claims were denied with no further information. I did file a police report.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NY)

On XX/XX/2024 I attempted to send a XXXX  in the amount of {$2000.00} to my brother. Immediately I got a message that my account is restricted and I need to call customer service. I called customer service, who verified my identity through some questions that only I would know, and the representative told me they can unlock the account if I can answer a call to my phone #. She neglected to say 1- that she will be calling a different phone number, and 2- that I would only get one chance to answer the phone and if I don't then I would need to come into a bank branch to unlock. She then called me 3 times in a row, on my personal phone, which was a different number from which I called, but since I was unaware that she will be calling that number I did not see her calls until right after. I immediately called back but they said they can't help since the flag has been " validated ''. I begged them to call me again, or accept any other form of validation such as ID, public questions, bank/stock balances but they refused. I explained to them I am out of the XXXX for the foreseeable future so I have no way to visit a branch, but it didn't matter. I asked two different representatives, if my money is frozen and I can not access it until I visit a branch I would like to close the account so I can move my money elsewhere, to a more customer friendly bank, but they refused. 
I called them 3 times, was transferred a few times, and reached out on social media to no avail- the latest representative even hung up on me after she asked me to hold. 

I searched online and I see many many other customers of Charles Schwab bank have had similar issues- they freeze their bank accounts, stock holdings, and funds just as they did to me, and leave no option to remove the restriction besides visiting an actual branch, which is quite antiquated in 2024 when there are various other methods to verify identity which every other bank utilizes.

My money is still frozen and Charles Schwab refuses to let me access it or close account to move my funds to another bank. 
I didn't visit a branch to open my account, they didn't require me to in order to take money from me, why should they require such a singular difficult solution to give my money back.
Consumer complaint received 2024-09-27
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-11
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. (MO)

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 30 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXXXXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. That was opened on XX/XX/2020 of the amount of XXXX. Please remove these accounts from my report they are hurting my ability to obtain credit.
Consumer complaint received 2023-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

They claim I owe {$290.00} and I have received text correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. No verification of identity was given. I believe this is a scam. They claim to be the law office of MBA with the contact information XXXX and the website https : XXXX for a form of payment.
Consumer complaint received 2024-10-22
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 (NC)

I have a credit builder card with Chime Bank and the money is taken from my checking account so it works like a debit card. XXXX Wednesday XX/XX/XXXX at XXXX Chime claimed XXXX XXXX charged my card for {$96.00}. XXXX XXXX claims they did not charge my card. I opened a dispute with Chime and it has been almost 30 days and I still do not have my money back from Chime. I need my {$96.00} returned immediately
Consumer complaint received 2024-09-27
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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-06-01
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: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.