davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax is unable to verify and complete a full reinvestigation in 90 days. This is a violation of the Fair Credit Reporting Act. 
Find attached certified letter dated XXXX, XXXX XXXX. 
Today is XX/XX/XXXX and no response.
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MN)

XX/XX/XXXX : XXXX XXXX : XXXX to set up account. He assured me that even though the wrong E Mail and phone was on some forms, he would correct them once the account was open. 
XX/XX/XXXX : Called XXXX banking. : XXXX XXXX, including XXXX min hold. Assured phone and XXXX mail was corrected. 
XX/XX/XXXX : Called XXXX banking : XXXX XXXX. XXXX said she could not do anything without speaking to XXXX. She said she called XXXX and would call me back. 
XX/XX/XXXX : Called XXXX banking : XXXX Minutesincluding a XXXX and XXXX hold. Put me on hold for someone else. Another XXXX min hold. XXXX spent XXXX min. could not help. Said he notes would be seen my next helper. Transferred me to Web Support. Norm said he could not read XXXX notes. Started over. He could not help. Escalated to XXXX operations center escalation supervisor. Will hear from them in XXXX days. 
XX/XX/XXXX : XXXX XXXX. Called branch manager who said sarcastically Ive heard about you. She had no idea why this was happening. Called her supervisor. Spoke to him the next day. 
XX/XX/XXXX : XXXX minutes. called online banking. She said by bank rules no information can be changed for the first XXXX of a new account. I should call back on XX/XX/XXXX. 
XX/XX/XXXX : XXXX min. Call from bank manager. She was wanting to get XXXX Banking on a three-way call. When I explained the phone call, I just finished, she said, she never heard of such a rule. Online banking hung up before she could get me on the line. She blamed me for this say If you hadnt been ranting. She agreed to call me on the XXXX and personally walk me through the process of updating my phone and XXXX mail. 
XX/XX/XXXX : XXXX XXXX. called customer service. she tried to help. Transferred me to XXXX XXXX XXXX. XXXX could not help, either. Was sending it to XXXX XXXX Department. Will hear back in XXXX days. Escalation Case Number XXXX. 
XX/XX/XXXX : XXXX Minutes : called XXXX. XXXX said he was with the XXXX XXXX Department. I gave him the case number, he paused, said hold a moment. He transferred me to a general number, that started the process from scratch, asking why I called, XXXX. After XXXX more minutes I got XXXX. He reported the XXXX XXXX Department is behind the scenes as of last month and he has no way to contacting them or transfer me. He said he was going to talk to his manager. He went away and came back after 17 minutes on hold to say, the manager was reviewing the case and it shouldnt be too much longer. I asked to speak to the manager. He transferred me to XXXX, who said he was available want awaiting my call. XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX : XXXX Minutes. called XXXX. Chrisclaimed he was a different XXXX. On hold to talk to a supervisor. XXXX was not available, but XXXX assured me that XXXX will call within XXXX minutes.
Consumer complaint received 2023-04-27
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: DISCOVER BANK (VA)

Charged {$71.00} from XXXX. XXXX screwed the order so bad they gave me a {$7.00} credit on XXXX for shipping. Lamp never delivered. XXXX knows this as driver 's photos show XXXX small packages at the door. Scale was delivered but does not work. Weighed me in at XXXX lbs. The bill is inaccurate and will not be paid. XXXX and Discover both know that these charges are bogus and are engaged in interstate theft and fraud. Bought a scale from a different vendor XXXX Discover statement. I will pay {$6.00} for ice trays and bin, that's it. 
The bill is fantasy and wildly inaccurate and both billers know it. It is a testament to the dishonesty and incompetence of both.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reviewed my credit report on XX/XX/XXXX. I noticed that some things were not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to provide maximum accuracy of the information concerning about who the report relates. This account is not accurate. I notified in writing and online Transunion that XXXX listed on my credit report as late in XXXX of XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account is closed and paid in full and paid on time. It is however reporting payment schedules as inaccurate. All payments were made on time and not late. In addition, when reporting this inaccuracy in XX/XX/XXXX there were duplicated accounts from XXXX listed. XXXX account was accurate with payments reflected as on time and another was inaccurate showing payments late. I requested the inaccurate account be deleted. TransUnion deleted the accurate account and left the inaccurate account with inaccurate payment history on my report.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Called to have account re-instated from XXXX XXXX. account was set up improperly. XXXX  XXXX used deceptive business practices to get me to join ach auto pay stating if I did a deposit of {$480.00} would not be billed to my account. I called back at a later time and found out the account was set up improperly and that account was supposed to be closed and ACH I was told was removed and another account was set up on the same location and all this was corrected ( as I was told ). Couple weeks later I discovered the money stolen from my account by XXXX XXXX in amount of {$480.00} and there were 2 accounts set up for the same apartment. 2 account numbers : XXXX XXXX I need refund plus I contacted Chase Bank to dispute the charge which was still pending. Chase Bank informed me in order to stop the charge from going through, I would have to pay a fee. Essentially this charge is theft and I should not have to pay a fee to a bank so they can stop a theft!
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

On XX/XX/XXXX. Chime closed my account with no warning. All the email said is that they decided to end our relationship. No reason as to why or next steps. I immediately called and of course, can reach No one by phone so I emailed them same day. All the rep said was that they escalated the issue and someone would reach out to me shortly. I havent heard nothing sense, no one reached out to me and no one is responding to my follow up messages. I have no idea where my money is that was in my account.
Consumer complaint received 2024-04-24
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. (ID)

Trying to dispute old accounts that are either paid off or closed and all three credit reporting agencies won't do nothing. Except for changing dates amounts so items can be on my report longer. Even when they say they investigated and they change the years or amount and they tell me it remains. This goes for disputing hard inquiries to personal info. IAM not happy with the agencies cause they can't do anything right except for fraudulent changing accounts
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I wrote to XXXX, Transunion and XXXX about unknown inquires that are listed on my credit report last Month around or between XX/XX/XXXX and XXXX I believe to have unauthorized and unrecongnized inquires removed and Transunion has denied to remove the unrecognized and unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (NY)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-09-26
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)

I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXX  account number # 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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 2023-11-02
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CA)

XX/XX/2022 I went into Ulta they let me know I was pre-approved for a credit card. I accepted and paid for my items that day in cash. I never received the credit card in the mail, so I assumed it did not go through. Three months later in XXXX I was called about being late on my credit card statement for Ulta. After I assured them I never received a card, so I had not used it I asked to file a claim of fraud. They were not cooperative and their calls kept coincidently dropping when I was close to a resolution. I finally got to someone who said they would file a claim for me, and that my account was under investigation. The company kept harassing me with robocalls and rude debt collectors even though I told them my account was in review. They were also charging me interest and late fees on a card I never received let alone used, which has been negatively affecting my credit score. 

I have never received an Ulta card, which I also reported to them and I never made a purchase. They told me to get my receipt from the store but by the time I tried to get the receipt, the store manager it had been too long and they no longer had my receipt in the system. But the fact remains that I never received nor activated an Ulta card, therefore the purchase amount, interest, and late fees are not mine to incur.
Consumer complaint received 2024-04-24
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion and XXXX.
Consumer complaint received 2024-04-24
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. (NC)

Per, ( 5 U.S. Code 552a ), with respect to Privacy Act of 1974, and The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I, a federally protected consumer has NOT given ANY and ALL of the companies listed below, and identified in my attachments written, unwritten, verbal or nonverbal consent to share ANY or ALL of my nonpublic personal information to ANYONE, including non-affiliated third parties and consumer reporting agencies. Per, ( 15 U.S. Code 6801 ( a ) ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " COLLEGE FOUNDATION '' has severely compromised my privacy and violated The Family Educational Rights and Privacy Act ( FERPA ) along with the Privacy Act of 1974, by reporting my transaction history and sharing my nonpublic information to multiple non-affiliated third parties and consumer reporting agencies without my written, unwritten, verbal or nonverbal consent. " COLLEGE FOUNDATION '' is also in violation of the XXXX XXXX XXXX ( 15 U.S. Code 6802 ) by not proving me with an explanation and a means to " OPT OUT ''. The listed companies in my attached " Statement '' are in violation of The Privacy Act of 1974 per 5 U.S. Code 552a, and The XXXX XXXX XXXX per 15 U.S. Code 6802, and IDENTITY THEFT! and the Fair Credit Reporting Act per 15 U.S. Code 1681! Furthermore, I am exercising my right to " Opt Out '' per 16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. See attached " Opt Out '' direction.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made an identitytheft.gov report based on multiple fraudulent accounts appearing on my Transunion credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


[ XXXX  XXXX - XXXX -Opened XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX -Opened XXXX XXXX ] [ XXXX - XXXXOpened XXXX XXXX XXXX ] [ XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX XXXX XXXXXXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX  - XXXX - Opened XX/XX/XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX - Opened XXXX. XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] I am attaching my original Tranunion letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100 %, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other two bureaus 100 % or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Consumer complaint received 2024-04-23
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-06
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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)

XXXX is my name social security number is XXXX my complaint is that XXXX  has filed my disputes for the three negative items that are fraud I filed a federal trade commission identity theft report for the three negative items that are charged off normally XXXX will delete them in 24 hours off my credit report .and my complaint regarding equifax credit reporting agency there's only one negative item that's XXXX  XXXX please tell equifax to have that item removed due to fraud I filed a federal trade commission identity theft report with equifax too
Consumer complaint received 2024-04-24
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint submitted under XXXX regarding Transunion 's refusable to conduct a legal and proper investigation into a factual disputed discrepancy for account : XXXX XXXX XXXXXXXX Transunion was specifically asked to correct the account 's payment history and to provide proof of verification ( e.g., creditor 's bank account statements reflecting all of my payments ). They are required by law to update, correct or delete and did neither. 

Transunion responded to the complaint submitted to CFPB XXXX as " verified '' but did not provide me with any information regarding how they verified the inaccurate account. 

This is a violation of my rights under FCRA Section 611.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CA)

I received a notice on XX/XX/XXXX from Phoenix Fianancial of a balance billing amount of {$110.00} from XXXX XXXX from XX/XX/XXXX. I sent letter dated XX/XX/XXXX disputing to Phoenix Financial. Their notice states if write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information that shows you owe the debt. As of today XX/XX/XXXX, have not received anything but today derogatory activity from Phoenix Financial showed up on my XXXX credit report.