davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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 want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
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)

It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer. 

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX XXXX **** Balance Owed : {$6100.00} XXXX XXXX XXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6100.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$6100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I am writing to file a complaint regarding the poor quality of the new Chase debit cards. Unlike the previous embossed cards, the new ones are printed, causing the numbers to wear off quickly. Additionally, the front label peels away over time, making it difficult to read the card details and resulting in stores refusing to accept the card.

This issue has caused significant inconvenience and hinders my ability to make purchases. I believe that Chase should be held accountable for issuing cards that do not meet basic durability standards. 

I kindly request your assistance in addressing this matter and ensuring that consumers receive debit cards that are reliable and fit for purpose. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, made a contract, received any goods, services, or money with this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I contacted Transunion by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on XX/XX/year> ensuring that they will remove this fraudulent account. Transunion failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, Transunion failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Consumer complaint received 2024-05-15
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)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

XXXX XXXX XXXX sent an invoice for {$680.00} USD to my PayPal account. PayPal says that this invoice is due upon receipt.

I never ordered anything from XXXX XXXX XXXX. I never requested a product or wanted a product.
Consumer complaint received 2024-05-15
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. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

SPS mortgage company hacked my personal checking account and stole {$3700.00} from my account at XXXX. 
I went to the XXXX in XX/XX/year> and inquired and they did not want to accept responsibility for this occurrence. 
This has caused me emotional distress, duress and inconvenience, as well as late fees for some of my accounts. 
I did not give SPS permission to steal from me.
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: EQUIFAX, INC. (NV)

All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, XXXX, and Equifax are falsely stating this information in my credit report and have yet to remove it from their credit report.
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

I was having financial issues and tried to make arrangements to catch up loan. I sent an email via Advanced America website XXXX XXXX XXXX asking for help and options to pay off the loan and received no response. My contract for my personal loan is for a payment of XXXX via debit card. The company used an unauthorized electronic check for an authorized amount and overdrew my checking account on XX/XX/year>. The loan has been impossible to pay off and the interest is extremely high. It feels like I signed up for a loan with a loan shark. The loan paperwork is long and confusing with no one explaining the details
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My XXXX XXXX XXXX account was hacked and my personal data was compromised. XXXX XXXX XXXX is providing free credit monitoring for a year. Also, someone used my personal information to take out a Paycheck Protection Program ( PPP ) loan. I went to the free credit report website three different times and each time I was asked to enter my credit card to charge me {$29.00} per month. I could never get past this page to request a free credit report from TransUnion or XXXX. These firms make it too difficult for the consumer and in my opinion are not abiding by the spirit of the law/agreement that they are operating under.
Consumer complaint received 2024-05-15
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 found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (NV)

I have a chime account in which I was using the app within the account allows you to pay anyone you are supposed to put in the phone number or an email and the money is supposed to be sent to a text message or an email whichever one you choose well when I sent the money to a phone number the person I sent it to does not have a chime account and the money went to somebody else 's chime account and which has nothing to do with me nor the person that was supposed to receive the money via text by pay anyone app within the chime account well I called the bank and told them that that money was not supposed to go there it was XX/XX/year> and they keep denying me to get my money back I called them immediately told chime that it was not supposed to be in that account it was supposed to go as a text message to the phone number I sent it to and according to their pay anyone text account process they fail to give me my money they keep denying my complaint they keep telling me I am not getting my money back it is XXXX XXXX dollars and I need my money back and they're not giving it to me they sent it to an unknown account which I have nothing to do with the phone number is correct that I sent the money to with the app that they have within the account my account to do so by phone number only as a text message so the person I'm paying can receive the {$600.00} and they can download it on any card they choose to but chime is refusing to give my money back and have told me several times that they never will. I told him immediately that it went into the an account instead of text form as I intended it to go via text so that they could correct it and they refuse to correct it immediately after it was handled I told them that they promised in their app that it would go in as a text message not as a chime account I would have done chime to chime if I wanted to go into somebody's chime account well I did not know the man at the time who received my money
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (FL)

I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I received a card in my name asking me to activate it. The direct deposit set up form was pre populated with my name and banking information that does not belong to me. I called but they wanted personal information to answer my questions. They did close the account. 

Knowing that my health insurance was breached, I have as much protection set up as I can, including a credit freeze. So how was someone able to use my information to set this account up?
Consumer complaint received 2024-05-30
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. (CA)

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. Credit accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b also for the account XXXX XXXX  XXXX XXXX have given clear instructions for it to be removed off my credit report completely.
Consumer complaint received 2024-05-15
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. (WA)

To whom this may concern : I am writing because I received a 30-day late reporting on my credit report due to misinformation that I received from one of your customer representatives XXXX on XX/XX/XXXX. 
I called into the customer support line of XX/XX/XXXX, to inquire about why I received a {$29.00} late fee when I made my scheduled payment on XX/XX/XXXX, which is the due date. I realized I had the fee by logging into the XXXX app. I spoke with XXXX who stated on a recorded call that the fee was an error on the companys end and that he would remove the fee. Prior to calling in I had scheduled a {$300.00} payment because the app had stated that I needed to pay that amount to get my account current. I asked XXXX about that and if I needed to make that {$300.00} payment or if he had corrected the error. He stated I did not need to make that payment and that the account would update soon and therefore I asked him to cancel the {$300.00} payment since he made it clear it was not necessary. 
On XX/XX/XXXX I saw in my app that it was still reporting I had a balance, so I called in again and spoke with a representative who finally explained that what happened was I did not pay the minimum payment of {$280.00} in XXXX. I made a {$200.00} payment because I was under the impression the minimum payment was {$180.00}. She explained that I would need to make another payment of at least {$200.00} to be current. I then went into the app and scheduled the payment while on the phone with her. She let me know that would cover XXXX payment but that I would still need to make another payment before XX/XX/XXXX to cover XXXX payment. 
Had XXXX explained on XX/XX/XXXX that the reason I received the late fee was because I did not make the minimum payment, and not that it was an error on the companys end. I would have made the rest of the payment that day and/or I wouldve made the {$300.00} payment I had already scheduled. He assured me that it was not needed and subsequently canceled that payment on his end.
Consumer complaint received 2023-10-18
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: John C. Heath, Attorney at Law, PLLC (TX)

I paid Lexington Law firm for almost XXXX to get them to help with these negative items on my reporting. I told the truth and had evidence and still had to pay almost {$200.00} to get started and each month a payment of XXXX. I was told they would start right away and desput the issues. Well I stopped receiving services because I couldn't afford to keep paying the amount they told me each month. So I had to try and find another company where I also paid upfront to get started which was XXXX and a total of over XXXX a month. I didn't receive services cause I don't pay XXXX to them. All this was back in XXXX  and I know the amount said owed on my report is no correct. I need a trusted company that would actually help instead of putting me more in debt.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

I opened an account with {$25.00} deposit. Free checks were mailed but I never received them. I had to call to reorder checks and pay XXXX XXXXXXXX. I deposited cash into my account XXXX XXXXXXXX to order from XXXX XXXX They refunded me due to me not getting all my items. I tried logging in my account and wasn't able to and called and was told my account is hold. Then the next day I got an email saying my account was closed. 

Citi Reference Number : XXXX
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

Contacted the company regarding apparent debt starting in XX/XX/ 2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On several different occasions within the cycle year of XXXX I have requested several different credit line increases with this bank but to no prevail despite an entire year of on time and consistent payments I have been denied over and over again! This bank provided false advertisements stating that it would be an increase after XXXX months of on time payments an credit line increase would be applied but this has not happened. For the complete year of XXXX and for this beginning of XXXX there has been no missed or late payments on this account yet they continue to subject me to denials.