davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I am writing due to an incredibly frustrating experience attempting to redeem my Chase Ultimate Rewards points via a points transfer to the United Mileage Plus Program. Due to what appears to be a system error on the side of the bank, I have been unable to transfer points from my Chase Ultimate Rewards Account to my United account since at least Tuesday, XX/XX/XXXX. I have called and attempted to resolve this issue with Chase customer service representatives on five separate occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the first two instances I was told that the system would resolve itself within 48 hours. In the second, I was told the system would resolve itself in maximum one week. In the fourth instance, I was told that the customer service representative would escalate the case to " the marketing team '' who could likely resolve the system error within 5-7 business days. After waiting 7 days and still being unable to transfer points, I called for a fifth time and was told by a supervisor that they would again escalate this case and that I should again expect a resolution timeline of approximately 3-5 business days. To date, I still do not have the ability to transfer points despite this being a well advertised service and main draw of Chase Bank 's credit card rewards program. Thanks to the bank 's system error and subsequent inability to either address the underlying problem or simply help me to facilitate a simple, one-time transfer I have suffered the following loss : - Loss of approximately 2 hours of time spent on hold, repeatedly explaining the same issue to multiple bank representatives- Loss of value in the points accrued in Chase 's program as the flight I had originally desired to purchase with Ultimate Rewards Points is now significantly more expensive
Consumer complaint received 2023-11-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my personal credit report, I have discovered several inconsistencies that could significantly affect my financial standing, particularly my chances of owning a home. While I understand that errors can occur, it is crucial to address these inaccuracies promptly. I have researched the dispute process and noted that an investigation must be completed within thirty days. I am perplexed as to how this account was verified by your bureau, whereas XXXX and XXXX have successfully removed it from their records, citing an identification error. Therefore, I kindly request the immediate deletion of this account from my credit report as it is inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following error : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX Account : XXXX, XXXX XXXX XXXX, for {$610.00}, 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 an account without my written instructions.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.
Consumer complaint received 2023-11-23
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. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, Account:XXXX Creditor : XXXX 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 a consumer reporting agency can not furnish an account without my written instructions.

I don't owe this company, if this company failed to provide accurate information about my identity, legal action will be taken to solve this matter because this is illegal according to the Fair Credit Act.
Consumer complaint received 2023-07-10
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. (MI)

I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be transunion and XXXX  that they could not remove the inquiries.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-20
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. (CA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXX XXXX  XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX Balance : {$630.00} XXXX   Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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)

On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act
Consumer complaint received 2023-11-23
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)

I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-20
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. (CA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-20
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. (OK)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.
Consumer complaint received 2023-05-20
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. (CA)

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Viewed my credit report and notice a collection account by Diversified Consultants, Inc. was appearing on all three major credit bureaus ( XXXX, XXXX, XXXX ) in  which they say I owe {$770.00} ( Account # XXXX ). I wrote my initial letter dated XX/XX/18 informing them this account was not mine and Im filing a formal notice of dispute. I requested validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 that the account was valid and enclosed a copy of a statement which could have been printed out on any computer by anyone. They failed to provide validation bearing my signature showing I have some contractual obligation, also the name and phone number of the person they spoke to when verifying this account. 

I sent them a second letter dated XX/XX/18 requesting viable evidence of the debt. Informing them that an employee looking at their computer screen, seeing my name listed in their database is NOT verification according to the law. 

Diversified Consultants, Inc. failed to respond to letter 2 dated XX/XX/2018 within the 30 day timeframe, also failed to provide the credit bureaus with a Notice of Dispute within the 30 day timeframe according to the FCRA. 

I sent them a third letter dated XX/XX/18 informing them that according to the FTC as per opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that due to several attempts to provide viable verification I was filing a complaint with the CFPB due to their negligent actions. 

Diversified Consultants, Inc. responded with a letter dated XX/XX/18 saying yet again that the account was valid with a printout statement, but provided no viable evidence.
Consumer complaint received 2018-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Cash central an online lending company. 
Gave a Loan to someone with similar names or possible identity theft related. 
For the amount of {$5100.00} Send me to collections for this amount Cash central use XXXX XXXX XXXX as their collection agency. 
I was finally contacted by XXXX XXXX XXXX I send proof of identity theft, police reports affidavit that they have the wrong person. On XX/XX/2017 I was told be XXXX XXXX XXXX that they were going to take care of the matter and that all paperwork that I have provided was sufficient.11 months after I now have to go back and deal with CASH CENTRAL. Because they have reported me delinquent an try to ruin my credit. 
I have all paperwork they have requested Yet I have no answers to solve this matter.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I sent letters to XXXX, Equifax, XXXX to dispute inaccurate items such as my name, addresses, phone numbers, closed accounts, social security numbers, open accounts on my consumer report asking that they be investigated and removed all derogatory accounts XXXX, Equifax, XXXX has violated my rights according to the law 15 U.S. CODE1681 section 604 A section 2 ) the law states that the reports from XXXX, Equifax, XXXX has to be 100 % accurate. Also they have violated my rights according to 15 U.S. CODE1681 section 611 ( 5 ) ( a ) ( i ) ( ii ). The law states that if items are found to be inaccurate are can not be verified the consumer reporting agencies shall promptly DELETE the information from my consumer file.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NC)

My loan ( # XXXX ) with Selene XXXX was delinquent and I owed XXXX XXXX XX/XX/year> payments. My wife called to get information regarding to loan and to make a payment in XX/XX/year>. They were unable to speak to her because she isnt authorized on the account. My wife called the IVR/auto phone system and it advised what amount was due, which was {$10000.00}. She setup the payment to pay from her account on XX/XX/year>. The payment was placed into suspsense. My wife and I called on XX/XX/year> and was told by customer service they would escalate to the payment processing team to move the funds out of suspension. During that call we also mage a {$300.00} escrow payment. We requested a call from a manager regarding this issue. I havent received a call. My wife call on XX/XX/year> to see why the payments havent posted. Customer service stated we needed to pay {$1300.00} to reinstate the loan, and they also advised {$11000.00} is in out suspense accounts. My wife made the payment ; Confirm # XXXX for payment.