davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

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 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 informationisinaccurate.
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be deleted right away. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-22
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: JPMORGAN CHASE & CO. (PA)

I was supposed to go fishing on XXXX  XX/XX/XXXX for two people with XXXX. I had prepaid that in advance with your group. It was stated as a 4-Hour fishing trip. It took 30 minutes to get out to the fishing spot and 30 minutes to get back. That would leave 3 hours of fishing. They only allowed us for to fish for about 30 minutes towards the end of the boat ride. We complained on board but they didn't care. 
I went to the XXXX desk when I got back to the XXXX XXXX XXXX resort and spoke to XXXX. He said to dispute the transaction with my credit card and that I would get the money back. {$330.00} I believe
Consumer complaint received 2023-08-29
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 2024-06-10
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. (MI)

In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXX XXXX XXXX XXXX ] has violated my richts. 
I looked at my [ TransUnion ] credit report on [ XXXX XXXX XXXX  ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( XXXX ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX, 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- ( ) 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 ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2024-06-10
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. (GA)

I would like to dispute off the following accounts on my credit report. 


XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$3100.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$21000.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXXXXXX  Account Number : XXXX {$21000.00} XX/XX/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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. (TX)

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 XXXX XXXX, 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 2024-06-10
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. (FL)

Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting. 

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report.

Notification once the inaccurate account is removed.

Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.
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. (AZ)

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with XXXX supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Consumer complaint received 2024-08-21
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. (IL)

On XXXX/XXXX/24 I sent Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over XXXX  days and they have yet to correct this issue
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I make purchases at XXXX XXXX company every month using their store credit card through Citi card so I set up auto pay to pay off my balance every month, but for some reasons the bank charged me 29.99 % interest charge and {$29.00} late fee every month for the past 8 months. they said I did not make a minimum balance. With all the fees and interest charges added up to {$3800.00} that even my auto pay of {$94.00} every month still didnt pay the minimum balance. They didnt send me monthly statements that I had no idea I owed that much until my credit card was declined so I called the credit card company on XX/XX/year> and they removed one late fee of {$29.00} and one finance charges of {$63.00}. Theyre not trying to help me even though I asked to speak to the manager to at least remove some of the late fees and finance charges. I spent about {$200.00} every month on this card and they charged me at least {$63.00} for finance charges plus {$29.00} late fees every month. Please help me. Thank you very much!
Consumer complaint received 2023-04-22
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. (IL)

This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 2024-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (MD)

M & T bank discounted the incorrect transaction on my account and when I notified them about XXXX they filed a diphtheria with the correspondence and denied my dispute and ultimately put my account in the negative. I tried filing the dispute again and they denied the dispute again saying that my only option is to pay back the disputed amount.
Consumer complaint received 2019-06-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Law Offices of Gerald E Moore & Associates, PC (TX)

I spoke with XXXX XXXX XXXX on XXXX XXXX,2019. I was very displeased in how she was speaking to me due to the fact I was calling to get assistance on a settlement. I felt insulted and Ive never felt so low before. She didnt have the decency to place me on hole while getting her manager, I informed her how unprofessional it was and she continued to try to argue with me instead of trying to assist. I was offered the settlement amount of {$2200.00} and didnt have the option to make payments. I recently called the law firm again to see the settlement and I was offered {$3200.00} with the option to separate it into 3 payments over 3consecutive months.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

I received 4 payments from a customer over the course of about 3 months starting in XXXX. The customer decided 4 months later after our business was concluded to try and reverse the payments causing Regions bank to remove access to my accounts. I conducted an identity verification on the customer using XXXX proprietary ID verification system and had the customer sign a contract. I even provided this documentation to a regions banker who uploaded it for back office. There is no reason why my accounts should be frozen. Regions currently has about {$15000.00} of mine and is not giving it back.
Consumer complaint received 2024-08-20
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. (TX)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to file a formal complaint concerning an ongoing issue that I have been facing with adding my Chase credit card to my XXXX XXXX. This issue has been causing significant frustration and stress, and I believe it requires immediate attention. 

After performing a factory reset on my XXXX recently, I began the process of re-adding my credit cards to XXXX XXXX. I successfully added my other cards by verifying the XXXX security code, but when I attempted to add my Chase credit card, I encountered a persistent error. I tried multiple times, but each time I received the same error message. 

In an effort to resolve the issue, I attempted to add the Chase card through the Chase app, but unfortunately, the error persisted. I have exhausted all possible troubleshooting steps that I can think of, including : Performing a factory reset on my XXXX. 
Re-adding all other cards to XXXX XXXX successfully. 
Attempting to add the Chase card directly through the Chase app. 
After spending over an hour on the phone with Chase 's Internet service department, I was eventually connected to a Technical Supervisor. The supervisor informed me that this issue is a known problem and that there is currently no resolution available. When I asked what I should do next, the supervisor abruptly hung up the phone on me. This level of customer service is unacceptable, especially when I am paying a premium for this credit card. 

I want to emphasize that this is not the first time I have encountered this issue. Last year, I faced the exact same problem when trying to add my Chase card to XXXX XXXX. Initially, Chase blamed the issue on the credit card itself, leading to a replacement. However, even after waiting a week for the new card, the issue was not resolved. Chase then shifted the blame to XXXX, prompting a factory reset of my device and, eventually, a device change. Despite these efforts, the problem persisted. 

Frustrated, I raised a case with your bureau ( XXXX ID : XXXX ), and to my relief, the issue was resolved within a few hours. Given the recurring nature of this problem and the lack of support from Chase, I am once again turning to you for assistance. 

XXXX XXXX XXXX XXXXXXXX XXXX, and the stress caused by this situation has taken a toll on my health. It is extremely disheartening to be treated this way by a company that I trust with my financial matters. I am paying a high amount of fees for this credit card, yet the service I am receiving is far below acceptable standards. 

I kindly request your immediate intervention to help resolve this matter once again. Please let me know if any additional information is required from my end. 

Thank you for your attention to this issue. I look forward to your prompt response.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I went to use my debit card and it said insufficient funds. Went home, looked at my account and XX/XX/XXXX there was a withdrawal of {$1400.00} which was not me. After speaking to a few people at capital one Monday afternoon, I find out that the money was taken out from a XXXX branch and I live in XXXX. Apparently, the woman swiped her drivers license. Her name is also XXXX XXXX but her license was issued in New Jersey and they gave her my money. The bank is aware of this. They have closed all my accounts. I cant get to any of my money. I called back on XX/XX/XXXX because I still dont see my money but I see a new account set up and I cant get into that one either. At this point, I am told its gon na take 3 to 5 days. Well, it already took five days and now theyre making me wait more. I am a senior citizen and I need my money. I would appreciate any help that you can give me. 
Thanks XXXX XXXX