davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (AL)

Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.
Consumer complaint received 2024-05-12
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. (NV)

I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

XXXX : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - 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 The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account submitted a letter to the company and all the agencies that report on my credit kindly demanding a verification of the information, since it presents wrong information negatively affecting my credit report. 
After several attempts, it was not possible to obtain a response from the issuing bank saying that they do not have this account but the agencies continue to report it and in the same way we have not obtained any response from the credit agencies.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This issue has been going on with my QVC Credit card via Synchrony Bank. Since I believe XXXX or XXXX maybe slightly earlier they have forced customers to use their Account Manager. 
I practice an account manager program is probably a good thing, all cards from a company can be seen all at once, however the diabolical corporate idiots decided to not only FORCE you to sign up for the use of the Account Manager you have to give up your right to have Agree to the Consent to Electronic Communications. 
I want all my communications done by mail, that way I have proof that something was sent, if they want to create a tab for Communications that would be fine. 
Prior to this I had no problem signing into my account for QVC. Then I had to remember over the summer of 2022 that I had to slide this bar or tab so that I could get around using the Account Manager. 
NOW I'M BEING FORCED TO USE THE ACCOUNT MANAGER IF I WANT DETAILS OF MY ACCOUNT AND TO SEE WHAT MY CURRENT BALANCE IS OTHER THAN WHAT MY STATEMENT SAYS. 

THIS IS WHAT I GET FROM THE POP UP WINDOW BEFORE I'M ABLE TO SEE ANY INFORMATION. 

Welcome to your account manager A simpler, faster and more convenient way to manage your Synchrony accounts. 

By using the account manager, you agree to the updated Consent to Electronic Communications. Your current communication and statement delivery preferences are not affected by this change.
Consumer complaint received 2023-07-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (SC)

Applied for preapproval for a loan from J.P. Morgan Chase in XXXXXXXX XXXX for {$150000.00} to purchase a home in XXXX XXXX I was contacted by XXXX XXXX the next day. Was conditionally approved on XXXX. Saw house on XXXX, made offer, offer excepted. Signed contract on XXXX. Point of contact person XXXX XXXX called on or about XXXX to introduce herself and to let us know our closing date would be XXXX XXXX and our first payment of $ XXXX. would start on XX/XX/XXXX. Appraisal schedualed for XXXX. On XXXX we was then asked to waive our appraisal/valuation so we could sing on time. appraisal back on XXXX. XXXX called XXXX XXXX stating appraiser requested a water test be done.Water test was done on XXXX, and came back ok. After that we was told that XXXX would not approve loan unless we paid to have water hooked to city water. On XXXX XXXX we informed XXXX and XXXX in writing that we was going to change to a different lender and requested in writing that the appraisal be transferred to new lender. All transfer information given at this time. No appraisal transfered. On XXXX XXXX I attempted several times to reach XXXX XXXX, XXXX XXXX, and XXXX XXXX Supervisor XXXX XXXX with no answers. Attempted calling again several times on XXXX XXXX and again no answer. Finally I called a general number and spoke to another loan consaltant and was informed that all three had been laid off. This loan consultant was unable to help me with getting the appraisal transferred because she and everyone I spoke to after this point was unable to locate not only the appraisal but the entire loan application even though I provided them with current Mortgage case number and mortgage number. We had our house loan with Chase XXXX  years ago and they kept going back to this loan and stating there was no appraisal found. I had spoke to so many " loan consultants '' trying to locate the new loan application and appraisal and it finaly paid off. I was told that I needed to pay for the appraisal before they would transfer it and was given an address to send it to. I immediatly got a certified check and overnighted it to the address provided. Appraisal was transferred and we signed on house shortly after. A couple months later we recieved a XXXX from Chase in the exact amount that I sent to pay for appraisal with a letter stating no loan or appraisal found.
Consumer complaint received 2024-05-12
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, XXXX and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX - Account Number XXXX XX/XX/XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX Transunion / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX - Account Number XXXX XX/XX/XXXX Transunion / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC. (IL)

On XX/XX/year>, I requested a funds transfer from my Robinhood brokerage account to my checking account. I initially selected the 4-5 day transfer option, but when I clicked " continue, '' a second window appeared and automatically switched the request to an instant transfer. I mistakenly submitted the request before realizing the switch, resulting in a {$38.00} fee from Robinhood. When I contacted customer service, they refused to refund the fee. The apps setup for transfers seems designed to mislead customers into selecting the instant transfer option, even after theyve chosen the 4-5 day transfer.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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. 

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law. 


reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I have a child support order against with covid it got behind {$3500.00} something to MO Family support division. It has been paid in full monthly and is now paid off my payment history was never on there or the balance decreasing on all XXXX, XXXX, and Equifax and even says unable to locate me on the debt?? Thats not possible as my address are all on file with mo family support. I disputed the no payments showing and it still having a XXXX dollar balance.I sent in the payments receipts and showing its now paid in full yet when the results came back it updated the history but the balance still shows {$3500.00}?! Its paid {$0.00} owed all current and support once paid isnt credit or installment contract and shouldnt be reported once paid. That XXXX was roughly 30 % of my debt and my score hasnt changed to reflect the on time payments or boosted it ... ..again i paid and proved i paid off 30 % of my total collection debt but dont get any points or a correction where it reported no payments when infact theres been almost 3 years of paymentsade to it?
Consumer complaint received 2023-10-24
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)

Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all XXXX of the credit bureaus more than twice and no action has been taken.
Consumer complaint received 2024-02-01
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)

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I RECENTLI REVIEW A COPY OFMY CREDIT REPORT AND IHAD FRAUDULERT ACCOUNTS ON MY REPORT, PLEAS REMOVE THESE FROM MY REPORT, THEY ARE HURTING MY ABLLITY TO OBTAIN CREDIT THANK YOU
Consumer complaint received 2023-07-30
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. (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 name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, and Account name : XXXX XXXX XXXX XXXX XXXX  has violated 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 an 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 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received pre-approval for a Chase Sapphire Preferred card and applied and had a hard credit check and was approved on XX/XX/2024. I used the digital card to make XXXX purchases at grocery stores and request and was approved for a credit increase. On XXXX  XX/XX/2024 the account was closed with no explanation given and they refused to elaborate or remove the credit pull. This has resulted in me wasting time and hurting my credit due to Chase 's deceptive practices and acting in bad faith.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and did not authorize opening a XXXX Credit card. I have tried multiple times to contact XXXX, via telephone, filing disputes and through letter, but they keep reporting inaccurate information. I have filed the proper identity theft paper work, at this time my consumer rights are being violated.
Consumer complaint received 2024-05-12
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)

Subject : Formal Complaint and Cease and Desist Order XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), XXXX, XXXX, and TransUnion. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against XXXX XXXX XXXX XXXX XXXX  ) for multiple violations of federal laws and regulations, as well as against XXXX, XXXX, and TransUnion for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in XXXX XXXX reporting lies in their knowledge that the debt in question was discharged. Despite this knowledgeXXXX XXXX XXXX continued to furnish information related to my account to XXXX, XXXX, and TransUnion, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, XXXX XXXX  unlawfully attempted to collect on a discharged debt ( with an EXTREME level of collection phone calls ), which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). The IRS defines a charge-off as Gross or Ordinary income, and it clearly states that income can not be reported on a consumer report. Therefore, the reporting of this account as a debt is factually incorrect and does not align with IRS regulations. XXXX XXXX has failed to provide me with a 1099-C for the cancelled debt, which is required for filing as ordinary income according to IRS guidelines . This lack of documentation further supports the inaccuracy of reporting this account as a debt. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX. 

Moreover, XXXX XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by XXXX, XXXX, and TransUnion, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX XXXX immediately delete the account related to me from their records and cease all further reporting to XXXX, XXXX, and TransUnion. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX XXXX, XXXX, XXXX, and TransUnion regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission XXXX XXXX XXXX XXXX file no. XXXX ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"