davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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. (NM)

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.

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 2015-09-26
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

When responding to Chase 's letter I call and try to discuss the bigotry I have faced, then they warn me they will hang up if I continue to use profane language. I have only used the word bigotry. While bigotry itself is offensive the word is not profane or abusive. 
If Chase had used the interactive good faith process under the ADA and had accommodated my XXXX this would not be happening. 
Further when trying to ask how they could accommodate memory XXXX instead of inquiring what would be needed they indicated that they treat XXXX people the same as everyone who is not XXXX. The interactive good faith process would end this. 
Lastly Chase refused to respond to CFPB complaint id, XXXX
Consumer complaint received 2024-07-07
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. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w as mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports. 
In addition to this, there are also multiple late payments from other accounts reporting as well that should be removed immediately. 
XXXXXXXX XXXX Acct Number : XXXX XXXX XXXX Acct Number : XXXX
Consumer complaint received 2024-08-29
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. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX did run my credit more than 3 or 4 times or more. They told me that they will only run credit on XXXX but now I have an extra inquiry in XXXX & Equifax dated XX/XX/2021 Please have XXXX XXXX to send a letter to them ( XXXX & Equifax to remove both inquiries. My credit decreased & this is affecting my credit report.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RADIUS GLOBAL SOLUTIONS LLC, Original Creditor : XXXX  XXXX N.A Reference # : XXXX
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

someone sent me a XXXX  for products and/or goods in exchange. the amount was {$1000.00}! i sent this money to the person with the products. the following day they asked me for my email and first and last name on XXXX  because their bank is suspecting fraud so i sent it! 2 days later my digital wallets are all cloSed including XXXX XXXX XXXX XXXX  because they disputed the payment of XXXX!! ive called my bank several times and even had 2 claims that were BOTH closed! i even asked them cam i send the proof that the payment was supposed to be made. i also contacted the merchant XXXX  XXXX and she also refused to send my money back!
Consumer complaint received 2024-07-06
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio collection associates opened lawsuit and sent notification of lawsuit to house I moved away from now 16 years ago, half a state away. Gained default judgment since I had no way of knowing about debt lawsuit. Now they have moved collection hearing to local court so they can collect.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

What happened? 

I am writing to file a complaint against American Express ( Amex ) regarding the handling of my welcome offer for the Platinum card. Below is a detailed account of the events : First-Time Card Application : This was my first time applying for an Amex card.

No Pop-Up Window : There was no pop-up window indicating any issues during the application process, never indicate that I am not eligible for the welcome offer Application Process : On XX/XX/2024, after completing the application, the webpage did not provide an immediate result. I had to call customer service to verify my address to complete the process. During this call, I explicitly confirmed with the representative multiple times that I was eligible for the XXXX Amex points welcome offer after spent {$8000.00} in 6 months. I have call recordings as proof. [ Could you plz ask Amex to provide the call recording as well? ] Lack of Notification : At no point did Amex notify me that I was not eligible for the welcome offer or that it had been denied.

Company 's Response : XXXX months later, Amex informed me that while my card application was approved, the welcome offer was not. This was never communicated to me until now. Had I known that I would not receive the welcome offer, I would not have applied for this card with its high annual fee [ {$690.00} which is far beyond of my budget ]. This feels like a case of deceptive practices aimed at collecting the annual fee under false pretenses.

Customer Service Interaction : When I contacted customer service, they were dismissive and claimed that I misunderstood the situation.

I am extremely dissatisfied with Amex 's handling of this matter and feel it constitutes consumer fraud. I have been in the U.S. for many years, and this is the first time I have experienced such deceptive practices from a company. I seek a resolution where the promised welcome offer is honored.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (CA)

I purchased a vehicle which was financed with Global Lending Service ( GLS ). GLS did not have my updated mailing address or phone number for my account. Therefore, I never received a statement or bill for my loan. When I did finally become aware of the payment that was due I immediately paid the balance in full that was owed at the time. I sent in a letter requesting that the reporting of the account being delinquent/late be removed from my credit report as an act of good faith and with the understanding that GLS now has all the correct contact information including the billing address, phone number, and email. I have not received any response to this request.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westcreek Financial (GA)

I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all 3 credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within 15 days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.
Consumer complaint received 2024-07-06
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 Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB Management Service XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute any and all debts that you claim I owe to your agency. I am formally requesting that you provide validation of the debt in question, as well as the purchase agreement between your agency and the original creditor. 

Furthermore, I am revoking all rights for you to communicate with me via email, text, or phone calls. Please respect my request and refrain from contacting me through these means. 

Additionally, I am requesting that you furnish proof of being licensed and bonded to operate as a collection agency. It is important for me to verify your legitimacy before proceeding with any further communication. 

I would like to bring to your attention that you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have placed a collection on my consumer report. This is a violation of consumer laws and I demand that you rectify this immediately.

Furthermore, I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( D ), which is another violation of my consumer rights. Your agency 's use of false misleading, misrepresentation, and deceptive means is unacceptable and must cease.

It is important to note that you have no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I expect prompt action on your part to address these issues and provide the requested information. Failure to do so will result in further legal action to protect my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-06
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-06
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. (IL)

Hey I look at my credit report and seen inaccurate and incorrect information on my credit report. Its two account that showing old information and out dated information. According to the fcra and truth and lending act. These accounts have violated my rights and also violated my privacy rights and should be removed and deleted from my report. Its stopping me from helping my family and I would like these account be deleted immediately. Us code 1681 and us code 1682 ( b ). 15 us code 1692 ( e ) has violated my rights. 15 us code 1681 ( e ) has been breach off the laws and by all rights should be in place. After 7 years account should be deleted by law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
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)

This account was paid to the original debtor and has a XXXX balance. It is negatively impacting my ability to obtain credit and employment. Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
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. (OK)

My backpack was stolen out of my car which included, computer, external hard drive, passport, wallet, drivers license, credit cards, social security card, TWIC card. A police report was made along with several FTC complaints filed.

My credit report is show 2 accounts with XXXX XXXX XXXX Bank that are not correct and numerous injuries. 
XXXX XXXX Bank account # XXXX, XXXX XXXX Bank account # XXXX Inquiries - 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 , All this is on my Transunion account and some of the items but not limited to all could have been caused due to the breach that Transunion had that put mu information at jeopardy.
Consumer complaint received 2024-09-04
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. (NM)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}
Consumer complaint received 2024-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (LA)

I have a Chime account. I tried to use their pay, anyone feature to pay my grass cutter some money. Because I never used this service before. I decided to send only {$1.00} on this first attempt. Chime reported that the money went to my grass cutter but my grass cutter said that he never received it. Many hours were spent trying to find out where the dollar went to no Avail. 
I asked Chime to refund the dollar. But they refused.
Consumer complaint received 2024-07-06
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. (IA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Accounts and addresses I do not recognize are continued hereXXXX 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. I have never lived at these addresses and I do not know these accounts.
Consumer complaint received 2024-07-28
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: AMERICAN EXPRESS COMPANY (KY)

Charges on XX/XX/year> and XX/XX/year> were made for a total of {$1800.00}. The charges are for a website that was not as described in the contract. The charges follow textbook definition of fraudulent. American Express claims its card holders will never be liable for fraudulent charges, however, they are not disputing the charges.