davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (PA)

In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

I tried using my debit card on Monday the XXXX, it was declined, I called the bank they stated that they are closing my account with no reason or explanation. I called multiple times to get this fix, its still no response. They have my money XXXX dont have access to any type of money at all. I have XXXX kids to feed and my next paycheck not until XX/XX/01. What Im supposed to do for next XXXX week without any money. Ive been very stressed about this situation. I will be bring this to social media. Its unfair and its not right. Chase bank is horrible
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

On XX/XX/XXXX I learned of a transaction that had occurred nearly one month earlier on XX/XX/XXXX in the amount of {$99.00} for XXXX XXXX. This was not an authorized transaction as I explained in great detail to Credit Karma customer service within an online dispute form and in separate emails. I explained that in XXXX of this year I had purchased a laptop from XXXX XXXX which I returned just days after it was delivered. The XXXX XXXX software was pre-installed on the XXXX laptop and I had been prompted to enter my debit card information during the setup of the XXXX operating system. As I informed XXXX customer service, when I inquired with XXXX XXXX about the free gift software that was included with my purchase ( security software and 60 days of XXXX XXXX ), specifically about what steps were required of me following the return and refund process, I was told by a XXXX XXXX representative not to worry that the software subscription would cancel automatically. I followed the stores return instructions and received a full refund that was credited back to my Credit Karma account associated with my XXXX debit card during the last week of XXXX, XXXX. I have never used the XXXX XXXX software nor do I own any other device with the XXXX operating system. Approximately 5 days following my having disputed this this surprise transaction ( {$99.00} ) Credit Karma requested documentation from XXXX XXXX to prove that I had returned the device, for whatever reason the {$130.00} credit from XXXX XXXX wasnt sufficient. I provided all relevant information with the expectation that in addition to providing me with assistance needed to contact XXXX and dispute this unauthorized transaction that I would also be provided with a temporary account credit while this matter is being investigated. XXXX has stated that they are willing to assist in this dispute process but will not provide me with an account credit. Despite my having stated multiple times to the contrary XXXX is under the impression that this was an authorized transaction. Again, this was not an authorized transaction. I was under the impression that my business had concluded with XXXX XXXX ( and associated companies ) when I returned the device and was refunded.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On XX/XX/2024, I tried to open a Capital One 360 checking account. I was asked to call and speak to a representative for security purposes. 

I spoke to a rep and she advised me that there were some restrictions on an account and need me to speak to another department. 

She placed me on a hold to get a rep in the other department. I was on a long hold, the resp did not come back and was asked to leave a message instead
Consumer complaint received 2024-01-05
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. (DC)

It was a unauthorized hard pull on my credit profiles from all XXXX credit bureau on XX/XX/2023 for XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I am personally filing this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered these late payment listings. However, more than 30 days ago, I sent correspondence about this matter, but I have not received a response, and they have failed to provide me with adequate validation of these supposed late payments. I kindly request your assistance in resolving this issue promptly and satisfactorily.
Consumer complaint received 2024-01-05
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. (OK)

According to 15 USC 1681 ( a ) ( 1 ) : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. With this in mind, I have some concerns of codes being broken by XXXX, transunion. XXXX and TransUnion are reporting my transactional history of my credit card accounts with XXXX, XXXX XXXX, and XXXX XXXX. 15 USC 1681a ( d ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. A consumer report Does NOT contain information based solely as to transactions or experiences. My credit utilization and balances are 100 % transactional history and need to be removed from my consumer reports immediately.
Consumer complaint received 2024-01-05
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)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-01-05
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)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (NM)

I am submitting this complaint today to reiterate my request for your investigation into the inquiries listed below, as stated in my previous complaint dated XX/XX/XXXX. These inquiries are being reported on my credit report in violation of federal law. The XXXX Credit Bureaus are obligated to conduct an investigation in accordance with the Fair Credit Reporting Act, 15 USC sections 1681, within the legally stipulated timeframe. Please find a summary of the inquiries displayed on my report below : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The continued presence of this fraudulent account on my credit report is nothing short of an outrage. Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers. 

XXXX XXXX XXXX PLEASE DELETE!!! 

The ongoing presence of these fraudulent accounts on my credit report constitutes an affront to my rights and a source of profound distress and financial suffering.
Consumer complaint received 2024-01-05
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. (MN)

I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX  ) XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} TRANSUNION  : XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX  XXXX  XX/XX/2023
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (TX)

When reviewing my income reported to the IRS for tax year 2023, I noticed a 1099-NEC was filed with the IRS from XXXX with my name and SSN, but my address was an address I've never lived at. I've also never worked for XXXX. Victim of identity theft. My SSN was used by someone to gain employment with XXXX. When asking for records associated with this fraud, I was denied.
Consumer complaint received 2024-08-05
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: JPMORGAN CHASE & CO. (NY)

I was on a trail loan modification with CHASE Mortgage for the period of 1 year. At the end of the loan modification process- they transferred my loan to XXXX XXXX. CHASE reported my loan as current while on trial modification but reported me XXXX days late upon transfer to XXXXXXXX XXXX. This late reporting has caused irreparable damage to my credit and life circumstances and has prevented me from securing affordable housing. I have included that CHASE had me on trial modification plan which I paid every month and they transferred it to XXXX at the end of the forebearance.
Consumer complaint received 2024-05-31
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: DISCOVER BANK (IL)

DISCOVER BANK XXXX Balance : {$1900.00} I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : * Application * account agreeement and annual disclosures * billing statements from open date to current * copy of hardship or workout plan agreement * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (MD)

I also respectfully request the Barclays US provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws Also, the account was closed due to XXXX no longer using them as a credit card company to XXXX XXXX, the company also is not allowing to access my account online or info about the account because I do not have an active card with them to provide the account number
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NV)

Chase is reporting my account 30 days late on XX/XX/XXXX for my XXXX XXXX XXXX credit card. That information is incorrect and I have never been 30 day 's late on this account. I requested a due date change from the XXXX of every month to the XXXX of every month on this credit card, which changed my cycle date. For that reason there is no online statement generated for XX/XX/XXXX, because of this change. So my XXXX balance was pushed back and was not due until XX/XX/XXXX. 
But after calling Chase I was still able to confirm that a payment was made on XX/XX/XXXX in the amount of {$430.00}. Therefore it's actually impossible for me to be 30 day 's late for a credit card payment on XX/XX/XXXX. 
I tried to get this information in writing from Chase but a supervisor told me that Chase doesn't allow any kind of personalized written/typed letters to Chase consumers XXXX he also mentioned there was no document he could send me in order to verify this informatio which has already been confirmed via phone call with a Chase supervisor on XX/XX/XXXX.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYST Date opened XX/XX/XXXX Collection account. {$470.00} past due as of XX/XX/XXXX This account should be remove is has been four years, the day the account was open is wrong. The Fair Credit Reporting Act regulates credit reports. The Equal Credit Opportunity Act prevents creditors from discriminating against individuals. The Fair Debt Collection Practices Act established rules for debt collectors. The Electronic Fund Transfer Act protects consumer finances during electronic payments. 

The statute of limitations for debt collection in Texas is four years, as stated in Section XXXX of the Texas Civil Practice and Remedies Code. This means that creditors or debt collectors have XXXX years from the date of the last activity or default on the debt to file a lawsuit to collect it. This includes credit card debt and consumer debt
Consumer complaint received 2024-06-01
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: Kashable LLC (TX)

Kashable LLC This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete account Kashable LLC Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, Kashable LLC is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 XXXX XXXX XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Consumer complaint received 2024-01-05
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. (NM)

This represents my XXXX  endeavor to lodge a complaint regarding fraudulent entries reported across all three Credit Bureaus. It serves as a follow-up to the previous complaint dated XX/XX/XXXX. I respectfully implore XXXX, XXXX, and TransUnion Credit Bureaus to expeditiously eradicate the unauthorized entries. Pursuant to FCRA Section 605b, it is imperative to expunge any items identified in an identity theft report. Enclosed herewith, please find the essential documents required to facilitate the blocking of inaccurate information currently present on my credit report : 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 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 2024-01-05
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. (VA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any items listed on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate non-compliance. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.