davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
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. (NC)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (OH)

The company is refusing to send my credit card statements for the year of XXXX They told me numerous times on the phone that the statements are available. However they sent all of my statements except for that year and I've contacted them to asked why and was promised that they will be sent. I've not gotten them. 
Due to a flood of my basement where the documents were kept I don't have the needed proof that I purchased their XXXX lifetime transmission warranty unless I get those statements. I think that's the reason why they are deliberately not sending them.
Consumer complaint received 2024-05-11
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX  XXXX XXXX 2015
Consumer complaint received 2023-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I received a collection notice from Credence resource management LLC of XXXX Texas in the amount of {$670.00} the amount was for Ambulance transportation by XXXX XXXX XXXX on XX/XX/2023. I responded that i have never been in or transported by XXXX on or around those days. I asked that they send me proof that i was transported by this company and they sent me a bill from the company that had my name as the person that was billed but a different person as the patient.
Consumer complaint received 2023-05-03
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. (TX)

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 U.S.C 1681. 

ACCT Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

i recently reviewed a copy of my consumer report and noticed LVNV Funding LLC has committed identity theft and gained access to my credit profile without my permission. LVNV Funding LLC is attempting to collect a debt that was a result of identity theft, This Debt was attached to a XXXX XXXXXXXX card that i did not open. XXXX  XXXX sent me a letter on XX/XX/year> saying that account would be removed. I have attached that document for immediately deletion.
Consumer complaint received 2024-05-11
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. (NC)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge.

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law.

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence. XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC (TX)

I was in a hard spot and took a loan knowing it was high interest which I was going to pay off immediately. They told me the interest was 446 % which I only need for a few days so I agreed and when I tried to pay off loan they told me that the I treat is only 10 % but they charge something the call credit finding fee which was 150 % more thank the loan itself and that amount is put on the owed payments up front. So instead of paying off a {$1000.00} loan I am now paying on a {$2500.00} loan with there fees.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

When using Capital One 's bill pay feature the bank deducts the funds from my account the day the ( paper ) check is sent ( via XXXX mail ). I understand that some transactions are electronic and XXXX therefor warrant an immediate deduction but that's not the case here. The latest incident involves a payment request for a local electrician who has not provided his bank account information and does not receive electronic transfers so sending a paper check is the only option. On XX/XX/XXXX I requested that the bill be paid to the electrician and the bank immediately deducted the funds from my account. Yesterday, XX/XX/XXXX, the electrician contacted me saying he had not received payment. I called the bank ( speaking with XXXX and XXXX in XXXX ), stopped payment on the check, and was told that they would open an investigation and pending the results, the funds might be returned to my account in 4-6 business days. I asked where the money was and was told that they sent it to the electrician, which unless they sent an envelope full of cash, is not true. They've still got my money and are earning interest on it in the interim. Is this legal? It's not the first time Capital One has deducted funds in advance of payment ; it's just the most recent example.
Consumer complaint received 2024-05-11
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today andaccording to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items or information not later than 4 business days. Ive already included this in myprevious Complaint & I am including it again., 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 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Compliance with FCRA 605B entails the eradication of any erroneous entries from my credit dossier. These entries do not accurately reflect my credit history. I am entitled to compensation of {$1000.00} for each such erroneous entry on my credit report.
Consumer complaint received 2024-05-11
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. Below are the accounts in question : XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MN)

I am having an issue getting my consumer report from Lexis Nexis. I want Lexis Nexis to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX : XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-05-11
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$15.00} XXXX  XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act Convergent Account name : XXXX and XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX Account # XXXX XXXX Account name : XXXX Account # XXXX, Account XXXX : XXXX XXXX XXXX Account # XXXX XXXX have XXXX my rights. 

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
Consumer complaint received 2023-08-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase Private Client consumer compliant : On XXXX XXXX, I checked the online XXXX app to ensure that a wire deposit had been made to my estate account. At that time, I recognized that a deduction of {$220000.00} was made from the same account. I called the branch and rushed to meet a banker. For more than two hours, we worked to discover that my estate documents were inaccurately handled by the compliance department. My banker, XXXX approved the documents and they also went through several rounds of approval with the Legal Dept. at Chase. Once the documents were approved by Chase, I went into the branch to open up an Estate Account with the estate EIN number. Once the account was opened, I transferred assets into the account from banks in Washington and several other financial institutions. There are still more assets coming into the account. 

When speaking to the banker and the compliance dept. an XXXX for remediation including a stop payment of the cashier 's check and reinstatement of the funds as well as a reopening of the account was stated ( on a recorded line ) at 48 hours max. That max XXXX remediation timeframe was met and exceed on XX/XX/10 at XXXX XXXX. I have called my bank XXXX without answer. I have sent email requests to the branch manager and private banker that go unanswered. I have reached out to contacts on XXXX, via email, on XXXX, on XXXX, and via contact us forms for Chase and Private Client areas of the bank. I have received NO response outside of one in which the banker stated that they were looking into it and would get back to me. That was at XXXX this XXXX  and I have called the branch XXXX today, but no one answers and no one responds to my email requests for an update. 

The funds have not been reinstated into my account and I have no idea of the status of the cashier 's check. There has been no follow up and the entire handling of the situation has been irresponsible and dangerous. My assets are not safe with Chase and my assets are not safe with Chase bankers or representatives handling them. I need assistance getting my funds returned to me so I can close out my Chase accounts. I also want to avoid a situation like this happening to another customer due to the lack of checks and balances, error prone processes that leave customers vulnerable to negative impact, and the horrible customer service that Chase provides where they blatantly disregard the best interest of the consumer.
Consumer complaint received 2023-03-13
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. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-05-11
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. (NJ)

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Consumer complaint received 2024-05-11
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. (TX)

My Consumer rights have been violated under the FCRA and is in violation of requisite METRO2 Compliant reporting standards as well as 15 USC 1681EB. On XX/XX/2024, I became aware of inaccurate reporting of my personal information for which I sent a certified letter requesting an update of that information. I received a copy of my update credit report where I noticed a plethora of errors as all 3 Credit reporting Agencies, which includes Transunion, were not accurately reporting accounts and reported them differently. I requested deletion of accounts that were not accurately reported. Even after, Transunion invesitigated, verified and validated accounts, information is still inaccurately reported by all 3 CRAs. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Information on the consumer report must maintain Maximum Possible Accuracy.Accuracy means- correct in all details ; exact15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.The details of the accounts are inaccurate they are not exact in details and amounts.
Consumer complaint received 2024-05-11
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. (TX)

Pursuant to Texas Rule of Civil Procedure 92, I am generally denying the following accounts, charges, and allegations contained in the credit reporting, and requests that the credit reporting agency require the alleged creditor to prove its claims by a preponderance of the credible and admissible evidence. 

XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT # NOT LISTED XXXX  ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX  ACCT # XXXX Pursuant to Texas Rule of Civil Procedure 94, I am asserting the following affirmative defenses : a. failure of consideration ; b. affirmative defense of fraud ; c. estoppel ; d. laches/waiver ; e. statute of limitations ; f. failure to mitigate damages g. payment ; h. setoff or recoupment ; and i. all conditions precedent have not been performed and have not occurred I am specifically denying that the disposition of any collateral was conducted in a commercially reasonable manner according to the requirements of Article 9 of the Uniform Commercial Code and invokes all rights and remedies available under this statute.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Account XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.