davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (NJ)

I am writing to submit a formal dispute regarding inaccurate information on my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following incorrect information, but to date, I have not received any response. Below are the details of the inaccuracies and the required corrections : The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

The following account was never late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$480.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$940.00} Please remove it from my credit report. 

The following account is not mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have twice filed complaints with TransUnion regarding my credit report [ This after attempting to get a resolution with the " creditor '' in dispute, XXXX XXXX XXXX ], and I can not seem to get them to understand that the credit line is not mine. My ex-wife and I divorced in 2013. She took the XXXX ; I took the XXXX. Our Divorce Decree/Property Settlement states that she took responsibility for the XXXX and that I took responsibility for the XXXX. This is a court ordered settlement. TransUnion first said that the account was indeed in my name at the outset of the loan. That fact was never in dispute. I twice sent them a copy of the property settlement -- a legal document -- and they still will not correct it. The last person to whom I spoke said that TransUnion does not accept a court order as proof that the vehicle was not mine. So I now have a Trans Union employee informing me that TransUnion is not subject to the laws of a state in which it operates. Please do inform TransUnion that it is indeed subject to state laws, and that the property settlement which I twice supplied them DOES indeed mean that the loan in question was not mine and that they ARE required by law to remove it from my credit report. 
Thank you
Consumer complaint received 2023-11-13
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-05-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (CA)

ATTENTION! 
There were payments made by Albert XXXX and Albert Savings Web to my XXXX XXXX  account that I NEVER set up nor did I ever have an account with them. I've since closed the bank account and disputed all the charges. They performed fraud and I will be reporting this to the FTC. 

This company is performing fraudulent payments on individual 's checking accounts and needs to be STOPPED. I am reporting this company to XXXX, and ftc and others. You should not be listing this as a valid financial company. 

XXXX XXXX XXXX XXXX of Albert XXXX
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Georgia Student Finance Authority (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : GEORGIA STUDENT FINANC ; Account Number XXXX ) or ( account name : GEORGIA STUDENT FINANC ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.
Consumer complaint received 2023-04-20
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX  Balance : {$0.00}. Please delete this account ASAP.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion I need to asked you. You claim that you verified XXXX and refused to verify it again per your statement I need to ask How did you verify this information and its not my account! if you look at the attached files the account that you are reporting is not even close to the account number that I was assigned with XXXX. Transunion you have lied to me caused me a lot time for your XXXX because of your Negligent 's I urge you to delete this account today. I do not want XXXX card to report anything about me Until they send me a complete contract and terms that this is indeed my account. because this is not my account I will Notify my local police tomorrow and report a fraud report and contact a lawyer to sue I REPEAT I NEED YOU TO DELETE THIS ACCOUNT TODAY. YOU CAN LET XXXX CARD KNOW THAT THEY WILL HAVE TO SEND ME A CONTRACT IN ORDER FOR THEM TO REPORT ANYTHING ABOUT ME AS DUE FACT THAT THIS IS NOT MY ACCOUNT ALSO XXXX UNVERIFIED ACCOUNT PHYSICAL PROOF WITH MY SIGNATURE ATTACHED ALSO ALL CREDIT INQUIRES THAT IS MORE THAN 30 DAYS OLD
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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 XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc. (TN)

In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
Consumer complaint received 2022-11-27
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. (FL)

I have been trying to dispute inquiries that have been on my report that I didn't authorize or don't recall. I have been asking for proof and I haven't received a response. 

XXXX XXXX XXXX NA XXXX XXXX XXXXXXXX XXXX XXXX NA XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-06
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: FactorTrust, Inc. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reported fraudulent charges my Capital One credit card. I was issued a new card and Capital One reposted the fraudulent charges to the new card. I called again to report again that I did not make charges nor did I authorized anyone else to make charges. Eventually the charges were removed until today XX/XX/2023. Capital One simply changed the name on the fraudulent charges from merchant to my name and reposted to new account. I have lost count of the number of times I reported to Capital One that these charges are fraud. I did not make/authorize the charges. I did not lose the credit card. Someone fraudulently took my information and Capital One allowed charges not made in my name be posted to my account. After I reported, the name on the fraudulent charges was changed to my name by Capital One.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (IN)

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the manager. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Last night, ( XX/XX/23 ), I tried to use my credit card to make a payment to someone for household goods. The payment was denied. This morning I tried again. At first the payment went through and everything was fine, but then PayPal reversed the payment. And then I received a notice that my account was permanently restricted, and that I could no longer use it. I have no idea why. 

I tried to find out why, but kept getting sent back to the same page that says my account is restricted and I can no longer use it. There is no way on the website that I can find out why my account was restricted, and no way to dispute it. I've had this account for over 20 years. 

I currently have some money in my account that they won't release for up to 180 days. I need that money! One of the reasons I was trying to make a payment with my credit card, is because I need a furnace, because mine is broken. My house is very cold right now! There's some other items that I need for my home that were included in the payment I was trying to make, which was {$3600.00}. I was trying to use my credit card, because I don't have that amount in my checking account. 


Thank you, XXXX XXXX PayPal email : XXXX XXXX
Consumer complaint received 2024-04-10
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. (NY)

I XXXX contacted Chase regarding this issue on XX/XX/2023. 
The issue is not being able to redeem my points via Chase 's XXXX XXXX XXXX portal due to an " Error with your membership ID ''. 
I have points ammounting to XXXX when redeemed towards XXXX purchases. 

Throughout the last XXXX months, I have been calling Chase and spending XXXX of hours on the phone attempting to solve this issue. 
In the beginning, I was repeatedly passed between Chase XXXX XXXX department and XXXX XXXX XXXX XXXX department, both claiming the issue was not on their end. 
Eventually, I got representatives from both departments into a conference call where they spoke and came to the conclusion that Chase has to solve this issue on their end. 
Whether solving it involves them corresponding with an XXXX XXXX XXXX XXXX team does not matter to me, as I am unable to get in touch with the correct people and do that work for them. 
Chase is the XXXX responsible for fulfilling their promised card benefit offering. 
After the conference call, I began to be able to get Chase to believe me that they had to deal with this issue and throughout the last XXXX months, I have been promised XXXX times that I would be contacted with a resolution in " XXXX business days ''. 
After they did not call back the XXXX time, I was told on XX/XX/XXXX that nothing had actually happened and the representative had not contacted their XXXX XXXX XXXX XXXX. 
It has now been over a XXXX since the second promise of a call back in " XXXX business days '' and I called again. I have been very busy so I was unable to call them with the frequency of the XXXX XXXXXXXX months lately. 
Today 's call informed me that no progress had been made since I was last promised a call back. 
I wanted details regarding this whole situation but representatives have not been willing to explain to a very granular degree, and I was told I would need to obtain a lawyer and subpoena Chase in order to request my account notes. 

As I had been making Chase aware, you can not redeem points towards purchases older than XXXX days, and my remaining valid purchases are dwindling and soon to be XXXX. 
I have been told a manual compensation will be possible, but I was given the same " XXXX business days '' estimate XXXX  with no indication of any changes in the strategy for solving this issue. 
I no longer have any faith that I will be contacted back as a pattern of negligence has already been established.
Consumer complaint received 2023-04-20
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. (MD)

I discovered that the accounts on my credit report were misleading when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

A company called XXXX XXXX is running a scam in coordination with XXXX XXXXXXXX XXXX XXXX. They called me repeatedly for a debt that does not exist. I cancelled my membership with XXXX XXXX and they continued to charge me. Then when I went in person they said couldn't discontinue my membership without collecting the money for a membership I haven't used in years after charging me for years before I threatened their processing company in order to stop the fraudulent charges.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is XXXX XXXX please 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.