davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed my name and address with Transunion, XXXX, XXXX, for the past 9-10months, asking for my information to be updated.I sent proof of Identity with the one & only birth name I was given. This is the statement below I sent to all three credit bureaus. They continue to cause me LIBEL DEFAMATION OF CHARACTER. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please delete all other addresses & names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address and name with the one above. 
15 USC 1681 a There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theConsumers right to privacy. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Consumer complaint received 2023-12-22
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. (FL)

I appreciate you making the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2023-12-22
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing this complaint to express my dissatisfaction and frustration regarding the recent experience I had with one of your customer service representatives, specifically with XXXX XXXX on a call made XX/XX/XXXX at XXXXXXXX XXXX Eastern time. 

During the call, I inquired about the complementary XXXX XXXX reimbursement of {$9.00} for 6 months that is supposed to be afforded to members with the Quick Silver card. The initial representative claimed I didn't qualify because I supposedly didn't have a Quick Silver card. I requested to speak to a supervisor, and unfortunately, XXXX was unhelpful and displayed a rude attitude throughout our conversation. 

Despite my attempts to explain that my card clearly reads Quick Silver, obtained in the summer of XXXX, The supervisor insisted that I didn't have the right card and dismissed the issue. It became apparent that she couldn't resolve the matter and suggested that there was no one I could contact to address the problem. She never did any research and implied the solution would be to send me the correct card ( which is not the correct card ). She also said, I wouldnt get any credits and that Im not losing anything because I dont pay an annual fee and Quick Silver members all pay annual fees, which is not true. 

Upon calling back and speaking to another representative in the complaint department, it was acknowledged that the Quick Silver upgrade was not properly reflected in the system. The representative assisted in confirming the upgrade I made in the summer of XXXX. This situation, unfortunately, highlights a flaw in your system, leading to an unnecessary and frustrating ordeal. Furthermore, this representative said she was sorry that she still couldnt help me because it wasnt a listed feature on my account. My issues are : 1. These perks are listed as a feature on the Capital one perk page but are not offered to retain members as stated on the page at XXXX XXXX XXXXXXXX to all Quick Silver members. 
2. Lack of training and respect from customer service representative supervisor.

3. Failure to follow the rules set by regulating agencies and bureaus.

4. Failure to acknowledge the mistake with the card upgrade and no one making reflection changes in the system.

5. No solution to any of my concern 's.

It is imperative for credit card companies to honor their contracts and the promotional benefits they offer to customers. In this case, I am owed the {$200.00} bonus and the 6 months of complementary XXXX XXXX reimbursement, as per the terms of the Quick Silver card. 
Heres the link to read about their promotional XXXX XXXX offer XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: OPORTUN FINANCIAL CORPORATION (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

15 usc 1692c that law clearly states 'If consumer refuses to pay a debt the debt collector must cease all communication '' Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2023-12-22
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. (MD)

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX 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, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (FL)

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

Your company is furnishing an account on my credit report as a charge off which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. I demand you to remove the following item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. Also, the credit reporting agencies are reporting inconsistent information such as the Date last active and payment history. How can each bureau report different information if all data should be the same? You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. Please note that this account is also paid in a settlement and there was an agreement for the account to be deleted. Remove the following account from my credit report within 14 days SYNCB/CARE CREDIT XXXX
Consumer complaint received 2023-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (CA)

I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I spoke with JP Morgan Chase Bank on Tuesday XX/XX/2023, from XXXX to XXXX about three separate fees marked as Non-Chase ATM Fee-Withdrawal. I asked if this could be waived as I had to use the ATM outside of the country. I was denied this request. 

The three separate fees were charged on : XX/XX/2023 XX/XX/2023 XX/XX/2023 The representative let me know that these fees were charged due to me using a Non-Chase ATM machine and I am encouraged to use an ATM machine from Chase. I asked if JP Morgan Chase had international partners for when I had to take out cash as not all countries have a cashless society like one in the United States. They responded that they do not. I asked if there was an account that I could upgrade to where I can avoid these fees. They answered they do not. I asked then if I am already being charged separately for using the ATM by the ATM holder in the beginning and being hit with a {$5.00} charge every time from Chase, I'm out at least ~ {$10.00} per transaction ( in this case, the fee for using the ATM was 300 DOP per transaction which equals to {$5.00} ). 

This seemed unfair and a junk fee as JP Morgan Chase does not offer any international ATM partnerships or an option for me to avoid these fees outside of just not using an ATM when abroad which can be hard to avoid in some countries. They offer no resolution outside of just plan to use a Chase ATM at all times at all costs ( even inside the US if there are no branches within a 50 mile radius or if this is inconvenient ).
Consumer complaint received 2023-12-22
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible.
Consumer complaint received 2023-11-08
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. (WI)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I opened this account with XXXX XXXX around XX/XX/XXXX and I had a Credit Limit {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and I setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned onXXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on XXXX. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my AutoPay was still on and active when I signed into my online account and my payments weren't debited for two ( 2 ) months like they were in the past. The person told me that once my Account reaches XXXX XXXX XXXX '' balance, I have to go back online and turn-off and turn-on AutoPay again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with XXXX and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I am unaware of this account on my XXXX  and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.
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. (NJ)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this information.
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. (FL)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this information.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished CORE LOGIC inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XX/XX/XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX XXXX  XXXX : Account Number : **** Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : **** Account Name : XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.