davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (AL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX  XXXX & XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2024-04-22
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have never been late on a payment and always have money in my account. 
There is a Pay Now button to pay your credit card and there is a Pay Now details Button.

For what ever reason i choose the detail button and saw an icon of my credit card with a ballance an a Pay Now button so I put in the amount I wanted to pay and hit the Pay now.

Turns out that the Pay Now is a Transfer Of Funds action and my Payment that should have went to the my Credit Card went back into my Bank Account.

I was not aware that I did not make the Credit Card Payment, I got no email, no notification, no phone call that the payment was not made.

I took screen shots of the Bug on the Website showing the Credit Card,
my payment and how it did not match up to the right account. I have filed a Dispute with the Credit Companies and talked with the bank. The bank said that it was unfortunate that website was not working properly and Refunded my Late Fee but my credit dropped XXXX Points. The Banks Argument is that there are other ways to Pay, so if that was not working than why did I not pay with another option, My stand is that because the Money did transfer there was no way I knew that the Credit Card was not Paid.? No email letting me know I was late, No phone call. it was not till I saw the XXXX point drop on my credit that I that the credit Card in the Month of XXXX of XXXX was not paid. Please help. 

I printed a copy of the WebPage and showed everyone the Miss Match on the Hunnington Bank webpage. No one even bothered to want to look at the webiste where the problem is and how it happened. Its a bug and it can be repeated on a desktop on there webpage.
Consumer complaint received 2022-11-28
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: LEXISNEXIS (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report 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
Consumer complaint received 2023-12-22
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. (NY)

Your blatant disregard for the material facts and your failure to provide a clear and substantiated reason for the denial are nothing short of an affront to the very principles of fairness and justice. Despite the fact that the other bureau was able to confirmed the fraudulent activity and diminished the accounts on their report immediately. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. IT IS BEYOND COMPREHENSION THAT, DESPITE MY EXPLICIT REQUEST AND THE EVIDENT PRESENCE OF FRAUDULENT ACTIVITY ON MY CREDIT REPORT, YOU HAVE CHOSEN TO REJECT MY PLEA WITHOUT A THOROUGH INVESTIGATION!! The lack of transparency in your decision-making process raises serious questions about the authority and competence of your organization in handling such crucial matters. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Furthermore, I am left questioning the credibility of your investigative procedures. HOW CAN I TRUST AN ORGANIZATION THAT FAILS TO PERFORM A THOROUGH EXAMINATION OF THE FACTS BEFORE MAKING A DECISION OF SUCH MAGNITUDE? Your lack of diligence suggests a disregard for the well-being and financial security of the very individuals you are entrusted to protect.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given written instructions.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
Consumer complaint received 2023-10-31
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: DISCOVER BANK (IN)

During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. 

They were very helpful and unwound all the charges in a timely manner. 

When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. 

I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 

1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. 

I called Discover and they said my case was opened back up and all deposits had been unwound. 

After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. 

It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. 

We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

XXXX5 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2023-10-31
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I have had my Rooms to Go account for over 5 years and have paid my account on time with no issues and all of a sudden I get an alert that my account has been closed. I called and requested it the account can be reopened because I did not request it to be closed. Agent advised that do to a credit score change account was closed. So Ive worked hard to keep my account in good standing for over 5 years and the company decides to close the account and I lose all the credit history that I built. This is how you thank your customers for their loyalty. I have several cards by this company Synchony as well as my husband. This is wrong on so many levels and it really makes me want to close all accounts associated with you all if this is how you all do business. I have not showed you all any reason to close my accounts I have paid my accounts on time and dont carry a balance on my credit cards from month to month.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-21
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. (SC)

In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX, has violated my rights.

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 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid 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. (FL)

I purchased a laptop from XXXX resell ( XXXX order number XXXX ) on XXXX XXXX. They sold me a laptop that was still attached to a company. Once i received the laptop i could not tell that the computer was attached to a company. So months later down the laptop locked on because the company that it was attached to locked the computer and locked me out from using the computer i purchased. I contacted global resell and spoke with XXXX. XXXX spoke with his supervisors and the said that i would be able to return laptop for a refund. I returned the laptop and XXXX stated that the refund was initiated the refund. I never received the refund. So i contacted the XXXX and he started to give me the run around about how they couldn't refund me. So i contacted chase bank where i used to purchased the laptop. I have made XXXX disputes and still don't have money. So at this point i'm out of XXXX because i returned the Laptop and never received my refund. I really need help trying to get the figured out because right now i'm at a lost and no one is trying to help me right a wrong that had nothing to do on my behalf. Money been pretty much stolen from me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 

This information is incorrect and I want this to be corrected on my credit report. 

I have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) XXXX  it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as XXXX, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.
Consumer complaint received 2023-08-08
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. (NY)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep disappointment and frustration with the outcome of my multiple attempt to follow up on the removal of fraudulent items from my credit file. Despite multiple efforts to address this issue, the response from your company continues to be unsatisfactory, leaving me concerned about the integrity of your procedures and the impact on my financial well-being. 

Despite providing extensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, my previous attempts to rectify this issue have been met with inadequate responses and delays. The lack of accountability and transparency in handling this matter has left me feeling frustrated and powerless. 
I have faced undue financial hardship and distress due to the impact of these items on my creditworthiness, hindering my ability to access credit and obtain favorable terms. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2023-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

Dear Jefferson Capital Systems, I have been receiving threatening calls from your company, treating legal action if I do not pay the debt that you claim I owe. However, I have never had any business or financial dealings with Jefferson Capital Systems, and I have never authorized you to place any negative items on my credit report. 

I am requesting that you immediately stop all communication with me regarding this alleged debt, as I do not owe any money to your company. I am also requesting that you remove all negative information related to this debt from my credit report as soon as possible. 

This is causing me significant financial harm. I am prepared to take legal action if necessary to ensure that my credit report is accurate and free of any false or misleading information. 

Please provide me with written confirmation that you have stopped all communication with me and that you have removed all negative information related to this alleged debt from my credit report.