davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (MN)

My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries from my credit report immediately inquire : XXXX XXXX ( Finance ) XX/XX/2024, XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX, XXXX XXXX  ( Bank ) XX/XX/2024, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2024. This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-01-27
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 am writing to formally dispute and request correction of inaccuracies on my credit report, which I previously brought to the attention of TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following discrepancies in my credit report. Despite my initial contact, there has been no response from TransUnion to date. 

XXXX XXXX XXXX  ( Account : Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : Discrepancy : Disagreement with the reported balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), and mark the account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : Discrepancy : Discrepancy in the reported balance. 
Requested Action : Verify the accuracy of the balance, report the account as disputed, and advise TransUnion to update the status with the creditor. 

XXXX XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Discrepancy : Uncertainty regarding the reported balance. 
Requested Action : Verify the accuracy of the balance, mark the account as disputed, and provide verification of Date Opened, Date of Status, and First Reported. 

XXXX ( Account : Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : Discrepancy : Inaccurate reporting of the balance. 
Requested Action : Correct the reported balance, remove Past Due information ( as the account is closed and charged-off ), mark the account as disputed, and verify Date Opened, Date of Status, and First Reported.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

It doesnt really show on my credit app when this transaction happened but when I first saw it I thought it was a mistake because it would be there and then disappear. It appears as JPMCP Card with a balance of {$150.00}. I have not opened any credit cards with any stores or a credit card in general. Im assuming this was either a mistake or someone somehow got ahold of my information but this transaction is not mine. Please get in contact with me to fix this I have already got my credit messed up by a apartment that falsely accused me of ending my lease early and now this is bringing down my credit as well.
Consumer complaint received 2023-06-30
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. (ND)

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I guess someone applied for credit in my name. I had 4 inquires on my Trans Union and XXXX  credit report. I didn't not apply!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting me a latte payment in my credit report when was not latte, XXXX  XXXX XXXX must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

I closed card XX/XX/XXXX. Chase continues to place a charge on the account, which I dispute, which they issue a refund for. This has happened at least four times. When I last called, I was transferred 8 times and spent 90 minutes on the phone. I am being told it is an internal problem and I would receive a call back within 3 days. That was XX/XX/XXXX. I've requested, and been told the charges would not go through again but they continue. A dispute for this same problem was filed on XX/XX/XXXX, claim # XXXX. I want the last charge removed and the card permanently closed.
Consumer complaint received 2024-07-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Benht: Economic Development Corporation (LA)

I made 23 payments at {$120.00} on a {$600.00} loan. 
I contacted Birch Lending to get a loan payoff amount and was told the payoff is {$570.00}. 

I feel this is predatory lending on the excess finance charges ( interest rate ).
Consumer complaint received 2024-01-27
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. (DC)

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 information is inaccurate.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-01-27
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. (IN)

XX/XX/XXXX disputes XXXX disputes, XXXX disputes XXXX disputes all of XXXX and XXXX of XXXX via online via uses, via phone calls to dispute. I am guaranteed accuracy per Federal law and the FCRA and this company has ignored my rights, continues to report numerous damaging inaccuracies and are negligent to me and my consumer report. They have had numerous chances to correct all of these inaccuracies and their assumption is not a valid reason to disregard federal.law and my guaranteed accuracies. They flat don't XXXX care nor do they take their job and their inaccurate reporting seriously. And no cause of proof of inaccuracies has been brought to life. I want to be compensated for each and everyone. The allowed time frame has expired multiple times. I demand compensation per Federal.law IMMEDIATELY
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (FL)

I have no knowledge of these hard inquiries these inquiries are a result of identity theft these hard inquiries must be removed no later than four business days as per 15 USC 1681 c-2
Consumer complaint received 2024-01-28
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)

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, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I have had a Macy 's CC for over XXXX  years. 
XXXX  years ago I purchased a bed for over {$2000.00}. 
Macys sent me a new card and then raised my credit limit to a ridiculously high amount for a retail store, this was unsolicited. 
I believe that they called it a XXXX XXXX It brough my credit score down. 
Eventually, I received a notice that my credit limit was severely decreased d/t not enough purchasing. a new card was issued without XXXX  status. this also affected my credit score. 
I have used the card in the store at times, however I can not use it online as it does not recognize the number. If the discount is not passed on through the use of the store cc, I do not use it. I tried calling customer service and it was a nightmare. English speakers of other primary languages and difficult for them to understand the issues. Customer service keeps reading from a script and can not understand what I am relating to them. 
**Now, I receive a letter that they are terminating the card. concerned that my score will take yet another hit. They should not have the power to turn on turn off increase or decrease without my input or permission.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYSTEM ) ( XXXX ) XXXX : ( NATIONAL CREDIT SYST ) ( XXXX ) XXXX : ( NATLORSYS ) ( XXXX ) XXXX : ( XXXX XXXX XXXX XXXX. ) ( XXXX ) XXXX : ( XXXX ) ( XXXX )
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've requested to the company to provide me information as to what Remarks they added and removed to my accounts also not being told what remarks are bring added or removed. Transunions isn't showing my 3 credit cards only 2 and I can not get any reason from any of the institutions as to why they have taken my score from XXXX and now dropped it to a XXXX!
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (MN)

On XX/XX/2024, I contacted Ally as I was unable to log into my account. Back story, My Ollo credit card was transferred to Ally. I also gave an auto loan through Ally. They merged the accounts and now I cant log in to pay my auto or credit card.

The auto side transferred me to the credit card side. The credit card side showed that I have an account, but the credentials for a username and password were blank. A ticket was opened to correct the issue and was stated it could take up to ten days. In the meantime I had to pay over the telephone for an additional fee of {$4.00}. 

Fast forward to today, XX/XX/2024, the matter was not resolved, another ticket submitted with an anticipated date of 2 days to repair the account, and another additional {$4.00} fee to use the telephone payment line. 

I am upset that this has taken over 30-days and the online accounts are not working, had to use the telephone payment line twice for an additional {$4.00} fee each time, and unable to see my accounts. I am unsure my automatic payment on my credit card will function this month either. 

XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (VA)

Hello, An fraudulent account was opened in my name on XX/XX/2023. The account opened was a XXXX XXXX account through XXXX Bank. The day the account was opened, I received a credit inquiry alert through my credit monitoring on XXXX. I immediately called XXXX and told them I never applied for anything and they opened a case for me. I also immediately locked my credit. After hanging up with XXXX, I called TD bank to report the issue. I was eventually transferred to their fraud department who assured me they noted my information and I had nothing to worry about because they did not approve any application on with my information as I was not a customer of their. Over a week after this incident, I received a notice from TD bank that " my recently opened '' XXXX financing account requested an address change. I called TD bank again and they were able to verify an account was actually opened. I asked TD bank to provide me the supposed new address to the address change request and they would not provide me the address. I requested this to open a police report but the bank denied providing me the information. The address is somewhere in New Jersey as the person who used my information to purchased some type of cell phones to be delivered in New Jersey. TD bank opened up a fraud case this time and provided me a case number and stated they would be mailing me an affidavit to fill out that I did not open this account. TD took over two weeks to mail me this letter. Once I received the letter, it stated I must respond within 14 days of the printed dated on the letter which was day 12 from the issue date. I emailed the letter to their department ( company stated that was an option ) on Sunday XX/XX/XXXX. I have not received any update from TD bank yet. Today my credit report posted the new account and maxed out balance. I am hoping to get this resolved as soon as possible but TD bank is not easy to deal with as they state they will get back to me eventually. I will be more that happy to provide account numbers and information if needed to look into the case and make sure resolution is made. The companies like TD bank allowed this fraud to go through, ignored my call the date the account was opened and lied that an account was not approved in my name, and have information of where the persons who stole my information and shipped fraudulently purchased merchandise and will not provide it to me to file a police report. I also received text messages to my cell phone regarding XXXX trade in program that I am required to send in the trade in a face charges. I called XXXX and all they did is route me to XXXX. I am still receiving text messages from XXXX about required phone returns. Thank You!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (DE)

Dear CFPB, I am writing to formally request your assistance regarding a matter with Credit Collections Services, which is impacting my credit report. I have noticed that an account with the number XXXX is being reported on my credit report, and I have serious concerns about its validity. 

Despite my efforts to communicate with Credit Collections Services, I have not received adequate information to validate this debt. Therefore, I am requesting that the CFPB intervene to ensure that Credit Collections Services provides the necessary validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific details of my request : Verification of the debt : Please provide documentation that verifies the legitimacy of this debt, including a signed agreement or contract that shows I am responsible for this debt. 

Detailed breakdown : A complete and itemized breakdown of the debt amount, including principal, interest, fees, and any other charges. 

Chain of custody : Information on the chain of custody of the debt, including any previous owners or collection agencies that have handled the account. 

Proof of reporting : Evidence that Credit Collections Services has the authority to report this debt to credit reporting agencies and that the information being reported is accurate and up-to-date. 

I believe that the inclusion of this account on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that this account be removed from my credit report until the debt has been properly validated. 

Please find attached copies of my correspondence with Credit Collections Services, as well as copies of my credit reports from XXXX, XXXX, and XXXX showing the disputed account. 

I appreciate your prompt attention to this matter. If you require any further information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (NY)

My name is XXXX XXXX debt collector Credit Collection Service referencing acc number XXXX. I sent a cease and desist letter on XX/XX/2024. They constantly are texting me on the alleged debt which is violation. I have no contract with the debt collectors, or haven't got a notice of this debt five days before report it to the credit bureaus. furthermore, I noticed on the XXXX that they are not registered to collect on this alleged debt.I won't this to be remove from my credit profile along with any negative remarks. Each violation is a XXXX.