davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (IN)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (UT)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (FL)

I have ensured this account 's payments are always timely and never overdue. I am unsure about the reasons for the late payment remarks on my accounts. As stated in 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2022-10-29
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. (IL)

I did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

My original debit card for this account expired XX/XX/XXXX. I attempted to request a replacement card early ( XX/XX/XXXX ), but was told that I was unable to do so as it was against their policy and I would automatically receive a replacement in XXXX. 

XX/XX/XXXX, no replacement is ever received, and I no longer have access to the fund in my account. 

XX/XX/XXXX I reach out to customer service through their online chat to request a new card, I'm told I would have to call their customer service line ( which I do ), at which time I'm told I will need to change the address on file as the replacement card that was supposedly sent originally was marked as undeliverable, even though it showed as delivered on my account. 

While trying to change the address associated with my account I'm informed that they are unable to ship to a XXXX XXXX XXXX though the address on my account has included a XXXX XXXX XXXX XX/XX/XXXX and I've had no problems receiving unwanted mail from them in the past. So instead the XXXX XXXX XXXX left off my address on the account ( which should be fine as everything sent to my primary address is placed in the XXXX XXXX XXXX ). 

XX/XX/XXXX The new replacement card has shown as delivered for 6 days, however I still have not received it. Attempted calling the customer service line again, but after a few minutes the agent keeps saying they can't understand me/line is breaking up, so I go to the online chat support where I'm told that the card should be delivered XX/XX/XXXX. I then ask why this has become such an issue, as well as why my account shows the card as delivered over a week before it is actually delivered. 

Roughly 30 seconds after asking that question I am forcibly logged out of my account ( which ends the customer support chat session ) and I am currently unable to access my account. As of now, I have no resolution to my issue and have been unable to access the funds in my account since XX/XX/XXXX, and now I have no access to my account at all. Because I have no access to my account, I am unable to provide any screenshots or additional information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

its XXXX different addresses that dont belong to me these addresses are nonmailable XXXX, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX il XXXX
Consumer complaint received 2023-08-27
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)

Dear, Transunion There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact me relevant to the request to block the identified transactions. The identified transactions are not information related to any ta transactions by me as the consumer : 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 You are required to do what I am asking and block these transactins from being reported to my consumer reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thankyou
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

on XXXX, i sent all XXXX CRA 's a letter disputing the inaccurate information they are placing on my credit report. They are in violation of 15 usc 1681eb and 15 usc 1681s-2b because i inform them that they are reporting inaccurate information on my credit report. 
they need to update my personal information as well to on my name and my present address, the other information are inaccurate and need to be deleted
Consumer complaint received 2024-05-21
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. (PR)

I HAVE NEGATIVE MARKS THAT ARE AFFECTING MY CREDIT DUE TO INQUIRIES THAT I DO NOT KNOW AND THAT I DID NOT MAKE. I HAVE TRIED MULTIPLE WAYS TO REMOVE IT TO IMPROVE MY CREDIT BUT NO ONE HAS BEEN ABLE TO HELP ME. I REQUEST YOUR HELP SO I ATTACH OFFICIAL DOCUMENTS, DATES AND DETAILS. THANK YOU SO MUCH. 


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 2023-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (IL)

I started a loan with Mercedes Benz in may of XXXX for a XXXX XXXX XXXX for about {$38000.00} XXXX of XXXX my truck was stolen & never recovered so my insurance company said it was total lost I only owed {$6000.00} on the vehicle XXXX paid Mercedes by sending them a check they kept saying they never received the check so XXXX sent it to Mercedes again now they start to say they received the check but the account number wasnt on it but they clearly knew the check was for me due to my insurance company also the amount. XXXX sent them another check with the account number overnight I was told they received it. But they never stop calling me and harassing and sending me letters saying I owe them money. They did not pay attention or read the notes that the truck been paid off almost 3 months ago they were contacting me about the old checks that had been canceled because they were saying they never received it. I never been late or missed a payment not one time and this had caused issues with my credit report also it has been very stressful and I feel harassed I already lost my vehicle than they put more stress on me I had gap insurance also and they never paid me the money that I was supposed to be issued back
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (CA)

Since my account from Bank of the West merged to BMO im not being abble to access my online banking, also I dont have SSN so the system doesnt allow me to fix this issue. 
So I nee to have restored my online banking access, I know my user name XXXX and also remember the old password.

And second need to open a merchant dispute for merchandize not received ( I dont speak XXXX by phoen and now BMO doesnt provide that service ) As I dont have access to my online banking I cant guss the exact date of the charge and also the specific amount in US dollars because the transactions was made in a foreign currency : 1 ) Around XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, International currency {$650.00} XXXX XXXX XXXX XXXX XXXX Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX International currency {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, international currency {$730.00} XXXX XXXX XXXX XXXX XXXX  These 4 purchases were made on the store, f ace to face but they didnt have on stock on the same store, so they will ship it from their warehouse to my mailling address on file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX 
The items never arrived, must be received on or before XXXX XXXX. 
I tried to contact them by email and phone calls to request the tracking number, delivery confirmation or any other shipment information without success, nobody respond. I start contacting them on XX/XX/XXXX. 
I cant go to the store now because im not on that city any more. I have the invoice and receipt that I would like to send to the bank to support my case.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

On XXXX of 2023 I have received a late payment with XXXX XXXX which I believe their system faulted. I believe this to be a billing error on XXXX XXXX as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.
Consumer complaint received 2024-05-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Noticed that there is a lot of States on there requesting information about my Credit I have Only Lived In Kansas, Missouri and Okla that's it. Also My Name is XXXX XXXX XXXX XXXX. 
I might be subject to someone stole my identy cause I don't have any Loans Out For Car 's. The Two Car 's I have are paid for. I do know that My Information is on the Dark Web and I don't know how to get it off of there.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I mistakenly sent my claim settle to a old Venmo account. XX/XX/year> I was successfully able to access the account and show multiple proof that the account belongs to me and that proof the funds is mine as Drivers License, Me holding the drivers License, Proof of Phone Number, Proof showing the claim is mine and they still have not lift the suspension. They contacted me today regarding my phone number when the phone number was never the issue I already had to suffer from this accident and they are making me suffer more. 

I have called multiple times and every times its XXXX business days and nobody will give me any answers just the run around.
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I am on XXXX XXXX orders covered by The California Military Families Financial Relief Act. I have mortgage with United Wholesale Mortgage. They are not complying with The California Military Families Financial Relief Act. I requested mortgage deferral and sent in my military orders in XX/XX/2022. It was approved. All communication is being done verbally as far as where the mortgage status is at. I can never get anything in writing. It has been several months since I have requested my mortage to be brought current and term extended, but I can not get that accomplished. The lender is asking me to pay {$23000.00} and keeps sending me to collections. They are ignoring the The California XXXX XXXX XXXX XXXX XXXX and keep me running in circles with long phone conversations about same thing as if noone is taking notes on anything. I'm at the point that I can not make payments anymore until I pay the past XXXX mortgage payments. It is unacceptable and is putting huge strain on me. I have made XXXX mortgage payment past 2 months and they have seemed to get frozen in the system and some applied to escrow. Please help.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I deposited a check from the Federal government for disaster relief on XX/XX/2023 with Chime 's mobile deposit. They give no warning that they will hold your money. The money is for emergency relief. And it has been taken from the treasury already. And it is now XX/XX/XXXX and the money is still not posted. And every supervisor I have contacted has no idea what to do.
Consumer complaint received 2019-05-09
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. (GA)

Fraudulent hard inquiries that I asked Transuion to remove. XXXX and XXXX   removed them and help me set up credit alerts so it won't happen again. Some one is trying to extend credit with my information. I filed a dispute already but they said they cant do it until 2 years. I just want them all deleted Im trying to establish credit not destroy it.
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

I opened a credit card for use as an everyday card for my new small business. Chase sent me a letter, saying I need to provide more information. I never received this letter, because Chase erroneously excluded the PMB number from the address. I didn't learn of the issue until my card declined. Once my card declined, I immediately called Chase. Chase said my account has been suspended, until I can provide more information. I asked what information they need, so I could send it immediately, and Chase said they could not tell me, I need to get a letter. Chase said they would resend the letter. I never received this letter either, so I called again. This person also refused to tell me what documentation I need to send in, so I hung up and called a third time. This person told me what documentation needed to be sent in, and I sent the documentation in on that same day. Chase decided that I took to long to send the documentation in, so they said my account is canceled, and that I have 30 days to use my rewards balance, which amounted to {$800.00}. I tried to use the rewards balance, but then Chase said that since my account has been closed for 30 days, I lost the rewards balance. In conclusion, Chase canceled my account without ever informing me of why. Chase continued to refuse to tell me what documentation was needed, until 30 days had gone by. Once 30 days had gone by, I had lost my rewards balance.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

On or about XX/XX/XXXX, the US Department of Education reported that Between XX/XX/XXXX and XX/XX/XXXX my Student Loan account balance increased by {$5300.00} from {$770.00} to {$6100.00}. This caused my score to drop with XXXX XXXX points, XXXX XXXX points and Experian XXXX points. The account should report the original balance on XX/XX/XXXX was for {$740.00}. At XXXX XXXX interest ( currently frozen to XXXX XXXX for CARES Act administrative forbearance and no payments to date, the current balance shows {$770.00}. This is not only blatantly false but it has happened before but it has been impossible to track. XXXX, Experian and XXXX refuse to explain, verify or rectify despite repeated calls and letters.
Consumer complaint received 2024-05-21
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-22
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)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.