davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-18
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I opened an account with HSBC US and they were offering a promotion that was XXXX part. Part XXXX. {$1500.00} bonus for Making an initial deposit offer of XXXX or more. 
Part 2. {$500.00} bonus for Making direct-deposit for 3 consecutive full months after account opening.

I received the bonus for part 1. However, I did not receive bonus for part 2. 
I opened the account back in XX/XX/XXXX and completed all the requirements for the bonus in XX/XX/XXXX. 
According to their terms, it takes XXXX weeks to receive the bonus but still have not received this part XXXX bonus. 
I called customer service several times and they keep telling me to wait until end of XXXX. ( I should have received this bonus by end of XXXX according to their terms )
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (LA)

My balance is not going down, i have made every payment by the due date and they are not applying much to principle. I started this loan on XXXX XXXX, 2023 and the balance have not gone down please investage this company.
Consumer complaint received 2024-01-18
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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


Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have consistently disputed the inaccuracies in the given information with XXXX, XXXX, and TransUnion, but unfortunately, the matter remains unresolved to this day. 

XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

TransUnion XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (GA)

The defendant, XXXX XXXX XXXX ( XXXX ), is attempting to collect an alleged debt from me related to its purchase of a Synchrony Bank/Amazon account and sued the Plaintiff in state court for {$2500.00}. 
In XX/XX/XXXX, XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX ( case # XXXX ) for an alleged debt of {$2500.00} that XXXX claims it was assigned to them from Synchrony Bank/Amazon ( account # XXX ... XXXX ). 
However, XXXX 's lawsuit was filed after the XXXX statute of limitations had expired under GA XXXX XXXX, as XXXX had purchased the Synchrony account in XX/XX/XXXX. This means XXXX 's lawsuit in XX/XX/XXXX was filed on a time-barred debt. 
XXXX improperly served the summons to an incorrect address which is why I did not answer the summons. XXXX then obtained a default judgment against me on XX/XX/XXXX for {$2500.00} plus {$110.00} in court costs and a writ of fieri facias to record the judgment. 
By filing suit on a time-barred debt, Portfolio falsely represented the legal status and deceptively attempted to collect the debt. This made my private financial matters public record without merit. XXXX 's actions have caused me substantial emotional distress, mental anguish, anxiety, and invasion of privacy that a reasonable person would find offensive. 
In summary, XXXX improperly sued and obtained a default judgment against me on a time-barred debt in violation Georgia state laws pertaining to the statute of limitations and the Fair Debt Collection Practices Act causing me significant harm.
Consumer complaint received 2024-01-18
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These are the codes that the credit bureaus have violated ( XXXX, TransUnion, and XXXX ). 
Being sued XX/XX/2023 : XXXX  XXXX, XXXX, XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e ( a ) ( 5 ) Section states that 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (OH)

I disputed an account, XXXX XXXX XXXX as being past 7 years old. As the original creditor, XXXX XXXX is almost a decade old. Experian then told me the time starts when it is first reported by collections, not when the account first defaults with the " original '' creditor. The have disputed this twice.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I deposited a business check into my Chase account. The teller made an error and deposited the check into the wrong business account. Chase corporate fraud tagged it as potential fraud. After 12 weeks I was able to convince chase it was their error and the account they deposited my funds into was also a business account I had with them. They finally after 12 weeks returned my funds. They also canceled my two business accounts. When I attempted to set up a new non Chase banking relationship I was told by the new bank that XXXX XXXX XXXX had indicated my companys are fraud. Chase obviously sent this info to EWS. I want their error reversed and my accounts cleaned from their error.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date : ( XXXX ). Since then, the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX XXXX XXXX Account no. : XXXX
Consumer complaint received 2024-01-18
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. (NY)

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 XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-18
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. (NY)

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. 

OPEN ACCOUNTS : -XXXX XXXXXXXX XXXX XXXX - {$1000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  open revolving {$590.00} XXXX XXXXXXXX open. {$740.00} credit card XXXX XXXX XXXXXX/XX/XXXX & line of credit {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX open Mortgage {$89000.00} XX/XX/XXXX CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

To Whom It May Concern, I am writing to formally lodge a complaint regarding a XXXX XXXX XXXX ( XXXX : XXXX ) that I purchased from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on XX/XX/XXXX. The vehicle was financed through XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided a down payment of {$6100.00} and financed the balance of {$14000.00}, making the total purchase price {$17000.00}. 

Upon my arrival at the dealership, I inspected and test-drove the vehicle. During this process, I inquired about the vehicles accident history, mileage, and the condition of its airbags. Despite the car having a salvage/rebuilt title, I was explicitly reassured by the sales representative that the airbags were intact. Based on these reassurances, I decided to proceed with the purchase. 

After taking possession of the vehicle and driving it home, my family members strongly advised me to have the vehicle thoroughly inspected. To my utter shock and dismay, the diagnostic report revealed that the vehicle does not contain any airbags. This finding is in direct contradiction to the assurances provided by the sales representative during the sale process. 

This situation is extremely distressing and unacceptable, as the absence of airbags significantly compromises the safety of the vehicle and its occupants. I feel deceived and misled, as the information provided to me was a critical factor in my decision to purchase this car. 

Given the severity of this issue, I am requesting the following actions be taken immediately : A Full Investigation : An investigation into the practices of XXXX XXXX XXXX XXXX XXXX to determine if there have been other similar instances of misrepresentation. 
Sanctions and Penalties : Appropriate sanctions and penalties against the dealership for fraudulent misrepresentation and compromising customer safety. 
Consumer Protection : Steps to ensure that other consumers are not subjected to similar deceptive practices. 
I have also contacted XXXX XXXX XXXX XXXX XXXX directly to request a full refund of the purchase price, reimbursement for the diagnostic inspection costs, and a thorough investigation into the conduct of the sales representative. 

I trust that the Florida Department of Highway Safety and Motor Vehicles will treat this complaint with the seriousness it deserves and take swift action to address this matter. Please contact me at [ your phone number ] or via email at [ your email address ] if you require any further information or documentation.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Some unknown debt/credit charges on my personal credit report .i request for a purchase agreement from these debts collectors. 
Portfolio recovery XX/XX/2024 XXXX XXXX XXXX XX/XX/2024
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (IL)

On XX/XX/11 I submitted a dispute for a transaction I had canceled on my Sofi checking account. After 10 business days I followed up to get an update on the dispute. I was told that it is still being researched and could take up to 90 days. I informed them about Regulation E requiring a provisional credit and was informed that I would not be issued one. I informed them that they are in violation of reg E however they still refuse to issue a credit while they research the dispute.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2023 someone used my USAA card to buy from XXXX for a total of {$160.00}. After reporting the fraudulent purchase to USAA. The bank refused to refund the amount ; deeming it a legitimate purchase despite the fact that the purchase was sent to another person ( which I do not know ) to the address in a different state.
Consumer complaint received 2024-01-18
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-18
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or 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.