davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-01
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. (NY)

I am filing a formal complaint against TransUnion regarding their refusal to conduct an investigation into inaccurate items and incorrect personal information on my credit report, despite my efforts to dispute these issues. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail, tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In this letter, I clearly outlined the inaccurate items and disputed incorrect personal information on my credit report. To assist in verifying my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent bill with my current address. 
I received a response back from TransUnion dated XX/XX/year> stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Despite providing all necessary documentation and following the appropriate procedures under the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the required investigation. This refusal is a direct violation of my consumer rights, as outlined by the FCRA, which mandates that credit reporting agencies must investigate disputed information and provide a response to the consumer within a reasonable time frame.
Consumer complaint received 2023-04-27
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. (TX)

Experian has failed to handle this matter via multiple communications of disputes, i.e., phone, letters, dispute resolution center, and CFPB. These attempts have been frustrating and mentally draining, not to mention financially damaging. The failure to provide an appropriate lawful and legal response will only have me seek further action. I asked that you respond no later than 10 calendar days ; if not, I will see this as Experian agreeing to the alleged debt is not valid. I also require that your response not be one of verified or been verified I asked that you verify, validate, and show legal and lawful documentation stating or showing I am LEGALLY obligated or responsible to pay these alleged debts. Just stating verified and been verified are not lawful or legal responses. Please delete the following INSTANTLY from report # XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( reporting two potentially negative months ), XXXX XXXX ( reporting 72 potentially negative months )
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I disputed my personal information on XXXX to Equifax. I also followed up with more requests to correct my personal information, including my true name, my true address and my true working address. Up until now, i've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This fictitious information is spoiling my credit worthiness.
Consumer complaint received 2024-04-02
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: WELLS FARGO & COMPANY (NY)

This is a XXXX credit card through Wells Fargo. It was acquired in XXXX for our rent payments in our building, XXXX XXXX, NY, NY. Besides rent, the card was only used initially for a few outside charges in the first month, per the card requirements. We moved from this property XX/XX/XXXX and requested to close the account since we would no longer use it to pay rent. It is apparent that the account was never closed because on XX/XX/XXXX and XXXX, XXXX, there were XXXX charges made. Charges made in XXXX XXXX, {$310.00}, {$550.00}, {$940.00}, and {$2500.00}. The pattern is very typical of fraud with the amounts being rounded, exact amounts and gradually getting larger as the charges went through. We have never been to XXXX XXXX. Also there is no pattern of any other charges on the card throughout the year of the account being open. The card number used is a new card that is not in my possession. I have never activated that card, but somehow the bank allowed it to be used. I reached out to Wells Fargo and was told it would be researched and the account would be closed per my request. This has never happened. I have been called and sent letters by the XXXX department requesting payment. When I reiterated that these are not my charges, I was told again it would be researched. The account remains open despite the fraud and my requests. My credit is being affected because the bank is reported my lack of payment, charging interest and late payment fees. I otherwise have a XXXX XXXX of very good/excellent and do not have other outstanding balances on cards. I believe there is a scam with Wells Fargo and XXXX. I have demanded to have my account closed with no compliance and the charges have not been reversed. I have never experienced these problems with any other bank or credit company. I do not have the full card number because I never received the physical credit card that was fraudulently charged. The statement shows the last XXXX digits as XXXX. I have never activated this card because I do not possess it. I greatly appreciate your assistance with this matter.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

My company was acquired by XXXX last year and the relationship with my former 401K carrier ( XXXX ) was being terminated this year, forcing me to transfer my 401K funds. I chose to directly roll the 401K ( approx $ XXXX ) into my new XXXX 401K account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. I received the paper check, added the necessary rollover paperwork, and mailed it all ( USPS ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXXXXXX XXXX The check, issued by Chase bank, was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. We submitted a Declaration of Unauthorized Endorsement to XXXX and their bank ( Chase ) the week of XX/XX/XXXX. I understand their fraud division opened a case with XXXX XXXX XXXXXXXX the same week. I spoke with the police on XX/XX/28 to open a report and filed a complaint with the USPS the same day. XXXX/Chases fraud department is in contact with XXXX XXXX XXXXXXXX , yet Chase is refusing to return my funds despite acknowledging that the check cashed was fraudulent. This is all happening because I was forced to do this transfer through via paper check, so while XXXX is ultimately responsible, XXXX/Chase should return my funds to me while this is sorted out with XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MA)

As a XXXX I went to Chase Bank to open a cheque XXXX account. Its promotional offer was that if I opened the XXXX account I would receive the {$100.00} credit to my account after ten successful transactions in the first 60 days. 

I opened the account on the XXXX of XX/XX/year> at the XXXX branch, Rhode Island & was served by XXXX XXXX on behalf of Chase Bank. 

I was told by XXXX XXXX XXXX Bank employee ) that the account would automatically be credited the {$100.00} & I didn't need to do anything other than make sure I met the qualifying transactions as the system automatically credits the money into the account. 

On the XXXX of XXXX whilst in another Chase branch the branch manager said they would follow up to see why the XXXX branch had not completed the set up of the account correctly to ensure the terms advertised were honored. 

Today I called the XXXX Chase branch & actually spoke to XXXX who at first dismissed knowing anything about any promotional offers with XXXX  account getting {$100.00} credit which is a national marketing campaign. It was clearly established that XXXX didnt do her role correctly in opening the XXXX cheque account & as a result didnt take ownership to fix it either. She advised I had to call the back end of the banking system to sort the matter out. 

So I called the number provided which is telephone banking & they advised I did meet all the qualifying details for the {$100.00} promotional offer on a new XXXX account & it was in FACT the branches responsibility to fix the error they made in the first instance. 

So I called XXXX back at the Chase XXXX branch only to be lied to again by XXXX that she could not do anything to now fix this mistake she did & nor could her manager. I made it clear to XXXX ( bank employee ) that its a breech of Banking consumer code to not fulfill the terms of the agreement. 

She could not have cared less nor apologised for not opening the account correctly in the first instance. She was rude, unhelpful & advised that it was my fault it didnt get processed which I fail to understand given its a internal bank function the bank agent who opens the account on behalf of the customer activates as the internal process for new accounts. 

Its is NOT the customers job to perform the banks job where it fails to deliver on what it advertises. As a XXXX  I dont appreciate being lied to, as a human being the entire lack of professionalism from the Chase XXXX branch XXXX XXXX XXXX XXXX Bank agent ) did not resolve this matter nor cared to even take accountable steps to correct the wrong they made. Which is illegal the wrong they made by not fulfilling the terms of the account opening promotional offering.
Consumer complaint received 2024-06-06
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. (FL)

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 GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-29
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX AN # XXXX XX/XX/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 2023-09-20
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Ace Cash Express directed me to Populus Financial to pay off my previous account. I experienced hardship during the Covid 19 epidemic and I applied for a payday loan. I wasnt aware of this installment loan nor the high interest rates. Even though I made payments towards my ACE Cash Express account, my banking institution stated, the merchant whom received my payments was through a currency, or to a foreign country. My banking institution told me to contact the merchant to verify my received payments and to show proof of payments receive to a company within the United States of America. I asked Populus Financial for an invoice and I spoke to several supervisors for assistance. My payments to Populus Financial did not leave me in good standing with Ace Cash Express. The interest rates for this online installment loan should be further investigated. Populus Financial stated, No third parties are working on the companys behalf, however, the company has failed to properly report updated information regarding customers accounts.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Hello, I have been a Capital One credit card customer for almost 25 years. I have an excellent credit card rating. Last year I opened a Venture XXXX largely due to the ability to transfer miles to other airlines. Since we live overseas in XXXX most of the year, the benefits were exciting and seemed valuable. On Saturday, XX/XX/XXXX, I wanted to transfer my hard earned points to purchase a plane ticket. The process required a two step verification, then only offered one choice : SEND A TEXT VIA CODE to our phone. The text did not come. After two hours with Capital One and six representatives later, there was no resolution. They asked me to send a copy of my driver 's license front and back for proof of identity, which I did. We may have to wait 10 days for them to approve that submittal. 

We have always used a XXXX number while overseas. It has never been an issue. We received codes through voice calls, including Capital One. Other major credit cards in our possession use email verification or automated voice calls with codes. We never have an issue. But Capital One is not allowing any other options now except this texting option, which does not work for those of us overseas. 

On Monday, XX/XX/XXXX, I called again and spoke with three different representatives, who also consulted with two digital representatives. Again, no solution. The representative told us that we could join the military or a US government organization, and then we could verify through email. This is NOT HELPFUL. We are XXXX XXXX workers and believe that we also should have access to a different method of verification. While we appreciate the caution of credit card companies, we feel that as valued customers, a solution should be possible. Our points are valuable and we'd like to use our benefit to transfer to another airline. Please help!
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/2022 XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2024-04-01
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 602a Section 2 states a consumer reporting agency can not furnish an account without my written permission 15 USC 1681a also requires such reporting agencies to be 100 % correct in there reporting. In have requested written documentation from your agency and the data furnisher 's you use. The data furnisher 's have related they have no such accounts on my record so I am requesting the written information from your agency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX # XXXX {$620.00}
Consumer complaint received 2023-09-20
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/2022 XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022
Consumer complaint received 2024-04-01
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. (MS)

In accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have violated my privacy rights as well as my consumer rights. According to title 15-Commerce and Trade, subsection 1666b Timing of Payments ( a ) states : 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. 

I was never properly informed as stated in 1666b for any payment posted on my consumer report. These accounts have been illegally reported as late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX