davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase Sapphire Visa Card. Today we received in the mail a multi fold document making changes to our account. The document informs us that there has been a merger of Chase and JP Morgan Bank. 
My concern is with the extreme requirements of the option to reject the arbitration agreement. Specifically they are asking me to send by USPS mail a written document including my name, full account number, address, and personal signature. That information must be received at XXXX. XXXX XXXX, XXXX, DE XXXX no later than XX/XX/2019. ( We received this notice on XX/XX/2019 ) ( XXXX ... ..number on front of mailer ) Problem : Credit card companies and or banks are expected to institute and practice measures designed to protect our credit card from theft and misuse. This requirement asks for all the pertinent information a thief would need to misuse our card and destroy our credit. 
In discussions with Chase customer service supervisors I have been told there is nothing they could do to change any of the requirements. No help there. 
The leaves three options : 1. cancel the credit card, 2. leave in the arbitration clause or, 3. provide the information they request and put our credit card information at risk in the mail. 
Obviously they want to make the " rejection of arbitration clause '' as odious and as painful as possible. It is also obvious that in their zeal to do that they have exceeded the bounds of reasonable and defensible requirements. 
Any assistance would be much appreciated.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.
Consumer complaint received 2024-06-13
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. (TX)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I received XXXX promotion emails, the first XXXX dated XX/XX/XXXX and the second on XX/XX/XXXX, along with an App notification from Chime ( XXXX XXXX XXXX  ). The promotion offered me, as an existing customer, to switch my direct deposit to my checking account with them by XX/XX/XXXX, and receive the second and third direct deposits, each within XXXX  days of each deposit, to get {$30.00} credited to my account. I completed all the required steps by switching my direct deposit and receiving the deposits of {$210.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. However, I have not yet received the promised bonus. 
After providing the details to Chime, they asked me to provide screenshots of the email that they sent to me ; in one of their email, they admitted that I should have received the bonus and asked me to contact their customer service to apply the bonus, however, after many call their customer service starts from step one ask me to provide the details and screenshot again and again in a non-ending loop and make false excuses, and does not apply the bonus. One of my case numbers with them is XXXX. However, they closed the cases after a while without any resolution or details provided to me. 
It appears the company uses false advertising to entice the customer to switch their direct deposit without fulfilling their promise.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

My name is XXXX XXXX XXXX, this is in reference to my credit report. Currently my credit report shows 1 collection for Portfolio Recovery Associates, LLC ( XXXX XXXX ) account # XXXX in the amount of {$740.00}. This amount was paid in full in XX/XX/2018. Request that to company notify the credit bureau of the payment.
Consumer complaint received 2024-06-10
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was laid off from my employer on XX/XX/2023. I contacted XXXX  regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted XXXX  and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity.

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.
Consumer complaint received 2024-06-10
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. (OH)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2019-06-18
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: EQUIFAX, INC. (NC)

My Credit information was compromised in the Equifax Breach because of this breach of my information a account was open in my name at XXXX in Account ID : XXXX XX/XX/XXXX. XXXX  send me a letter informing that the account was fraudulent informing me a letter would be sent to each Credit Reporting Agency,  Equifax is still reporting this account as of XX/XX/XXXX. I wrote Equifax a letter XX/XX/XXXX concerning this matter along with the fact Equifax Credit Score is 50 to a 100 points lower than the other credit reporting agencies. This has been going on for my many years it appears Equifax rate XXXX Consumer lower on the same data range from a 584 to a 643 depending who the information is sent to I am tired of Equifax affecting the quality life I can provide for my family.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX - XXXX {$370.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX  - XXXX {$3400.00} Accounts : XXXX - XXXX {$0.00} XXXX XXXX  XXXX - XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX - XXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-10
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. (OH)

A hacker used my information from XXXX XXXX XXXX  and government site to apply for a credit at XXXX on XX/XX/year>, and the hard inquiry listed on all credit reporting agencies, Transunion, XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I was requesting information about a rental property and the person replied by text and asked me to go to the Transunion credit bureau and get my credit score, and also pay to have credit reporting done and stated that they would repay it was just to make sure that I had the credit for rentals. After I had done that, they sent me another link to do the same thing again. I was on XXXX trying to find an apartment and I have already purchased their credit reporting through Trans Union. They keep telling me to go and enroll and other credit reporting Im assuming to get my card information now
Consumer complaint received 2023-04-08
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)

When I reviewed my updated credit report in XXXX XXXX, I see that the same account was erroneous. The 3 credit Bureaus are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as an unverified account 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 Balance : {$20000.00}
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (TX)

On three different occasions, I requested ( in writing ) for PMI to be removed based on XXXX ( original loan amount was $ XXXX, purchase price was $ XXXX, and the balance is $ XXXX ). As of today, the PMI still has not been removed. I made the initial request to the loan company over XXXX  months ago.
Consumer complaint received 2024-07-22
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: GOLDMAN SACHS BANK USA (WA)

I bought a battery for my truck on XX/XX/year> for the amount of {$260.00}. After the auto store checking out the old battery, they realized it was still under warranty. So the auto store issued a full refund in the amount of {$260.00}, on the same XX/XX/year> date. The transaction didnt refund so I disputed it with Apple Card Goldman Sachs Bank XXXX They accepted my dispute and sent a provisional credit of {$260.00}. However they applied that toward my total balance instead of my available credit. Had I used a debit card to make the same purchase, and I disputed it, they would have issued a provisional credit to my account and the funds would be there available for me to use. I chatted with XXXX, a Goldman Sachs representative, regarding this issue and she said it was normal protocol. I told her I found that unacceptable.
Consumer complaint received 2024-06-10
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)

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received notice. I have no debt or any contract with XXXX XXXX XXXX or XXXX XXXX XXXX. On my XXXX Credit Report the company name is XXXX XXXX XXXX and on my TransUnion and XXXX report the company name is XXXX XXXX XXXX which is it? The account number that this company has placed on my report is XXXX.
Consumer complaint received 2024-06-10
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (IL)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX. Nordstrom Credit Card XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Please send me an updated copy of my credit report after your investigation and removal of this account.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (CT)

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 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TN)

I am formally requesting that the CFPB take immediate action to remove National Credit Systems from my credit report. I was never notified of this debt prior to its inclusion on my report as of XX/XX/year>. Additionally, this account has since been purchased by a debt collection agency and is no longer under my ownership. Please investigate this matter promptly and ensure that my credit report reflects accurate and fair information.