davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (NJ)

THIS COMPLAINT IS INREGARDS TO A CHARGED-OFF ACCOUNT THAT IS REPORTED TO MY CONSUMER PROFILE. DISCOVER BANK- ACCOUNT XXXX. THE ACCOUNT OPENED ON XX/XX/year>, BELIEVE IS INCORRECT AND UNJUSTIFIED AND THIS IS MY SECOND A T T E M P T TO RESOLVE THIS WITH YOUR COMPANY. THE DATES THIS INFORMATION IS BEING REPORTED ACCORDING TO MY RECORDS ARE INCORRECT. THE CHARGE OFF SHALL REFLECTTHE ACUAL DATE OF THE ACCOUNT BECOMING DELINQUENT. UNFORANTELY FOR ME MY CONSUMER REPORT INDIACTES DATES THAT ARE BEYOND THE DELINDENCY OF THISCHARGE OFF. I AM ASKING FOR A PROPER REINVESTIGATION INTO THIS ACCOUNT AND SHOULD YOU FIND THIS ACCOUNT INACCURATE, I DEMAND THIS TRADE-LINE DELETED ENTIRELY. ITS YOUR DUTY AS A DATE FURNISHER TO ENSURE 100 PERCENT ACCURACY WHEN REPORTING TO SOMEONES CONSUMER REPORT. THIS ISSUE HAS CAUSED DEFAMTION TO MY CHARACTER, EMOTION DISTRESS AND LACK OF CREDIT WORTHINESS. I AM DEMANDING ANY AND ALL DOCUMENTS IN REGARDS TO THIS HARGE-OFF ACCOUNT I NEED TO SEE ALL INFORMATION THAT PROVIDES EVIDENCE OF REPORTING ACCURACY
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (WA)

The debt was reported as being opened in XXXX however, the debt was opened in XXXX in XXXX and should be off my credit report however they purchased the account from a different collection agency in XXXX and reported that as the date that that was opened Incorrect these dates are incorrect and they should have expired off of my credit report. It is preventing me from being able to seek XXXX where I live at because this XXXX debt has caused me to lose XXXX separate apartments. It has been bounced around for years now to different collections as a loophole to avoid it timing out after XXXX years.
Consumer complaint received 2023-04-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-30
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. (PA)

Please eliminate this account from my records as it's not associated with me, and I'm highly disturbed to see it reflected on my credit report. I express my disappointment with the company for subjecting me to this situation and urgently insist on the removal of this entry from my credit history. This is unequivocally not my account!
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/year>, I used the Chase XXXX to make a payment on my card. After I entered in {$2000.00} for my payment, a Chase notification popped up asking if I wanted to make a payment toward my statement balance of {$17000.00}. I tapped yes, which inadvertently processed payment for the full balance. I called Chase almost immediately to notify them of my mistake. and was told there's absolutely nothing I can do and that the amount will be returned XXXX times. It froze my card. I made many calls to try to speak with someone other than out-of-country customer service and no one would help. I begged and pleaded for consideration, and no one would let me pass customer service. The issue now is that my payments are held for XXXX  days or more. Chase currently has {$9000.00} of my money that I can not access. I have made payments exceeding {$15000.00} since my mistake in an effort to bring this back to good standing and Chase refuses to release the hold or give me a timeline for my punishment. Prior to my error, my payment was posted the next day. I have been a chase customer in good standing for XXXX plus years. In the meantime, I can't access {$9000.00} for my business. It's not in my checking and Chase won't let me use the credit. Chase is able to earn interest on these holds while they're out of my account but not accessible. It also is negative impacting my XXXX XXXX because instead of showing {$9000.00} is available credit, it's much lower. This morning, a charge was declined for {$1000.00} and it's a payment that is necessary for my business. Because Chase refuses to give me information about how long this hold will last, I keep issuing payments to help my cause but it has been unsuccessful. Please help me and other consumers! I made a mistake, and this is going to cost me my business. Chase refuses to consider my situation, refuses to give me specific information on how to fix my current situation and is dismissing me. M
Consumer complaint received 2024-01-30
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. (IL)

Kindly remove this account as it doesn't belong to me, and I'm distressed to find it on my credit report. I'm disappointed with the company for putting me through this, and I urgently request the removal of this entry from my credit report. It's definitely not my account!
Consumer complaint received 2024-01-30
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-03-24
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. (GA)

Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-05-08
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. (IL)

I am submitting this complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-08
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. (FL)

XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Ive called and requested a dispute for a transaction because of the product I received was falsely advertised. I initially received the refund and a few months later they decided that they were going to reverse the dispute. The product I receive was faulty. I sent proof with screenshots and they are not confirming that theyve received my email nor have they working with me to resolve this dispute. 

Due to consumer protections, I should not be charged for the product as the merchant refuses refunds and refused to cancel the order. {$57.00} is directly owed to me and if they reverse it I WILL NOT pay it. I will remove my funds before I pay for a product thats missing tracks and not what was advertised. This is what I sent them with no response : Id explain to you all many times that this album is missing tracks. This was a pre-release version and no full description was really given indicating that the album did not include track  XXXX and XXXX. Anyone who ordered the pre-order version of the album did not include the songs, and no indication was given by the merchant that they would not be included. Once I realize the tracks were going to be missing, I could not return the order. They refuse returns. They refuse canceled orders. This is not good for the consumer. Im more than willing to return the product. I also included screenshots of proof of the missing tracks from the album and how most fans are distressed and also disputing the transaction as well. 

If I had waited until the album truly was released I couldve gotten a CD version that had all the songs the vinyl version that is the XXXX XXXX XXXX album is being released in just a few days with all the songs there Im entitled to my refund because they misrepresented the product that I received by sending me an album missing songs. 

Dont just take my word for it a quick XXXX XXXX will tell you everyone is complaining about the fact that this album is missing these tracks Just so you know, this dispute does not work in my favor. I will be changing my direct deposit and you will never see a dime of my money ever again because this is truly disgusting that Im even having to go to this process.
Consumer complaint received 2024-06-05
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: AMERICAN EXPRESS COMPANY (GA)

Someone charged over {$7000.00} on my american express amex everyday card. The purchase was made online. During that time my email was compromised and phone as well. I have documentation to prove this matter.
Consumer complaint received 2024-01-30
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)

I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( 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.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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

This is unfair and if they are doing this to me imagine who else they are doing this too.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am profoundly concerned and completely discontent with the developments in my credit report. Kindly remove any indications of late payments and adjust the status to either " paid now '' or " as agreed. '' I consistently make timely payments on these accounts. I earnestly seek your assistance in promptly updating this information.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex Gift Card from my employer This is the second card I have received that does not work anywhere. I have tried to use it in store and online, and it is declined everywhere. I called the customer service number and they said that they couldn't help and that I needed to go back to my employer and ask them to fix it. I am unable to fix this and Amex is unwilling to help.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

I have been a victim of Identity & mail theft since XX/XX/2023, causing financial distress. The agency is reporting late payments that is hurting my credit score. This account was paid and currently on time. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b2. Company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (MN)

So on several occasions I was over charged on purchases that I did make and disputed and got denied. I not only closed my chime account but Im also owed money back and they keep saying there isnt an error. How isnt there an error if they cant see the two {$300.00} reversals from enterprise on XX/XX/XXXX and XX/XX/XXXX followed by another {$480.00} twice once on XX/XX/XXXX and on XX/XX/XXXX but then they took the {$460.00} back and on my statements none of the three times the card was charged shows up on my statement on XX/XX/XXXX XX/XX/XXXX as well as on XX/XX/XXXX. Where enterprise says and sent proof of the {$300.00} reversals as well as receipts showing what exactly was charged on exactly what days. Chime has yet to show or prove anything to me but they cant be trusted and I deserve my money!! XXXX charged my card {$460.00}, on XX/XX/XXXX but instead CHIME charged my card {$1300.00}!!
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

I have asked, begged and pleaded with XXXX XXXX to help me keep my home, I keep getting denied, I have sent all the proof of my problems and have not received help at all. I want to keep my home, and can bring arrears current in 4 months if given a chance, but this horrible horrible company will not help me. They say liquidate your house, I am in home hospice, I am dying with a diagnosis of 6 months or less, I have a terminal illness ( all proof of this diagnosis sent to company ) and they refuse to help me, I am asking for a suspended foreclosure, be allowed to make payments and in 4 months my account will be current. But for this company they want to throw me in street. They dont care,
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: CITIBANK, N.A. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX XXXX XXXX I bought a car on XX/XX/XXXX. The payment of the car was {$400.00} every XXXX of each month. XX/XX/XXXX I decided to trait in the car for an SUV. My bank paid the remainder of XXXX and change on XX/XX/XXXX. XXXX XXXX XXXX said they did not received the check but the bank has prove they got the check o the XX/XX/XXXX. It was paid 5 days prior to a due date. XXXX XXXX XXXX still til today got in my credit score a 30 days late. Which it was never late.
Consumer complaint received 2023-04-29
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: Credit Consulting Services, Inc. (CA)

Upon checking my credit report i was made aware of a collection that was not opened by myself or any person authorized as myself. This account has no valid or any truth to the matter of its orgin. It should be me researched and delted immediately as this is causing too much stress and anger for being mistreated by XXXX, XXXX, and XXXX.