davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2024-04-05
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. (VA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-04-05
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. (FL)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute a declined bank error late payment on my car loan account with XXXX, XXXX. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, XXXX, XXXX did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted XXXX, XXXX to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that XXXX, XXXX remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (ID)

In XX/XX/XXXX and XX/XX/2018, I received several emails from a company called Checkr that claimed to be doing a background check for XXXX. 

I have never applied to work for XXXX. I never had any dealings with XXXX or Checkr. The information in the emails that I received clearly belonged to someone else. One of the reports attached to an email contained someones date of birth, the last 4 digits of their SSN, their DL number, zip code, etc. 

I called Checkr, and told them about the problem. XXXX, the person I spoke with on the phone from Checkr, said that he had no record of any emails ever being sent to me. I forwarded him the emails, to show that Checkr did in fact send me several emails, many of which contained someone else 's personal sensitive information. 

This is a dangerous data breach, and Checkr did seem to take it very seriously, in terms of getting to the bottom of the issue. I still have no idea ( 1 ) why I received these emails with someone else 's sensitive information, ( 2 ) why Checkr had no record of sending them, and ( 3 ) what Checkr plans to do about it.
Consumer complaint received 2023-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Risecredit, LLC (MO)

In XXXX of XXXX I mailed out debt validation letters to two separate companies that are showing in my credit report. XXXX and Rise both have a collection account on my credit report and have ignored my communications. Rise has mt address listed in a state I have never lived in and will not delete or show me any proof that this account belongs to me
Consumer complaint received 2023-04-22
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 do not owe this debt collector.
Consumer complaint received 2024-04-05
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. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have since paid off his loan, but approximately 5 years ago I had an auto loan with Bank of America. I paid my normal monthly payments and occasionally I would make a principle payment additionally. I discovered that not only was interest charged, and rightfully so, on my regular payment, but that I was also being charged interest on my principle payment. Essentially Bank of America was making me pay interest on my own money. They only credited me when I complained. I submit this to you as there is no telling how long this has been going on or to how many other consumers this has happened to, namely being cheated by this fraudulent tactic. I realize I probably should have complained sooner but I did not know how to go about it until a friend told me about CFPB.
Consumer complaint received 2023-11-16
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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-06-15
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: American First Finance, Inc. (PA)

In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2024-04-05
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I initiated a XXXX transfer, within the Chase banking app of {$300.00} to XXXX XXXX, at XXXX. XXXX never received this transfer. 

Claim number of dispute with Chase Bank XXXX Chase Bank has confirmed the token is correct and that the funds were sent. I have spoken to them on at least XXXX occasions and did a XXXX in person dispute along with XXXX XXXX XXXX XXXX brought all of her banking info to prove to Chase that the funds were NOT received. I also spoke on a conference call with her bank ( XXXX XXXX XXXX XXXX  ), who confirmed that no funds were received. 

XXXX is the in-bank app that Chase uses XXXX I spoke with XXXX on several occasions. They CAN NOT open a dispute because I did not use their stand-alone app. If a person uses the in-bank app, through Chase, ONLY Chase Bank can resolve any dispute. ( XXXX XXXX XXXX Chase wont provide any documentation showing that the funds were RECEIVED.only that they sent the funds. Chase Bank hired XXXX to do their money transfers, but wont investigate on my behalf. There is a missing XXXX XXXX that no one seems willing to investigate. 

Is someone skimming funds between banks? 
Is there a hiccup in transfers resulting in lost funds? 

If Chase says the funds were received, let them prove it, because I have proof that they were NOT received. If I am wrong, I would like to learn something from this experience.
Consumer complaint received 2024-04-05
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-05
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-01-10
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)

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Last year XXXX I called to ask about receiving XXXX papers. As I am and submitted everything to them. Been XXXX since XXXX all during school and I'm still XXXX. We'll to my surprise I was denied. Discharge. I feel I was not given the correct response. Something must have went wrong somewhere. I feel I have been treated unfairly, because I'm a minority. I do not have the energy to go back and gather all that information I submitted again. And I do not wish to. It's sad that the one 's who deserve the help get denied the help. I reside in FLORIDA
Consumer complaint received 2018-08-03
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: Experian Information Solutions Inc. (TX)

XXXX  or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

They keep on saying I owe a debt to XXXX XXXX, when I say show me the statement they have no information, XXXX clearly have stated I paid a amount of XXXX and settled this, although the account is now closed in all 3 credit bureaus it reflects a debt owned XXXX and that should reflect at XXXX
Consumer complaint received 2023-05-16
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. (NJ)

need the accounts mention below validated Community/zales # XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions # XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

MY LAST CASE IS XXXX. I WAS TRY TO LET THEM KNOW BUT THEY DIDN'T RESPOND OR DO ANYTHING SO I HAVE TO SET UP A NEW COMPLAIN AGAIN.I USE CREDIT CARD OF CAPITAL ONE ON THE DAY XX/XX/XXXX I GOT CHARGE SOME TRANSACTION I DIDNT KNOW LIKE '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ '' AFTER I CALLED FOR THE BANK THEY SAID WILL SEND FOR ME ANOTHER CARD AND TAKE OUT ALL THAT TRANSACTION. NEXT DAY SOMEONE KEEP HACKING AND CHANGE MY PASSWORD AND PHONE NUMBER IN THERE. I CALLED FOR THE BANK TO LET THEM KNOW I JUST USE XXXX PHONE NUMBER IS XXXX BUT WHY IT SHOW IN THERE THE PHONE NUMBER OF THE HACKER IS ( XXXX ) XXXX AND THEY ADD A XXXX USER NAME XXXX, XXXX, AND XXXX I THOUGH IT FROM THE BANK LOG IN TO HELP ME FIX THIS FRAUD TRANSACTION BUT THEN THEY KEEP CHARGING MY CARD BY USE THAT PHONE NUMBER TO VERIFY THE VISUAL CARD. THEY KEEP ADD ACCOUNT IN XXXX PAY AND XXXX AND THE LINK APPS. I TRIED CALLED THE BANK ALOT OF TIME XXXX TIMES A DAY BUT THEY KEEP HACKING BACK FROM XX/XX/XXXX UNTIL XX/XX/XXXX IT MAKE ME SO STRESSFUL SO I DECIDED TO CLOSE THE BANK. BUT AFTER I CLOSED IT TODAY XX/XX/XXXX THE BANK TOLD ME THOES CHARGE STICK WITH SOME USER RELATIVE TO ME SO THEY WILL CHARGE ME. I CALLED THEM TO DONT LET ANYBODY LOG IN MY ACCOUNT OR CHANGE PASSWORD OR MY PHONE NUMBER. BUT THE BANK KEEP CHANGE FOR THEM OVER XXXX EVERYSINGLE DAY. THEY JIUST CHANGED CARD NUMBER XXXX BUT IT NOT WORK BECAUSE THE HACKER JUST GIVE FOR THEM MY SOCIAL NUMBER THE BANK KEEP CHANGE MY ACCOUNT EVEN I VERIFIED MY ID WITH THEM XXXX ALREADY AND TOOK PICTURE DETAIL AND ADDRESS. THE SECURITY OF THE BANK REALLY BAD. I GOT HACKED AFTER I SHARE THE LINK CAPITAL ONE FOR MY FRIEND TO APPLY. AFTER THAT XXXX I GOT HACKED.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (VA)

Wrong Addresses are on the account. I've called and changes have not been made. Also I'm getting mailed and credit information with my address but another person 's name that does it reside here. I also have accounts that need to be closed that are still open.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/XXXX I received text msg from Bank of America regarding to suspicious activity on my credit card at XXXX XXXX, I replied that was an unauthorized purchase, and i have a reply from bank of America saying my credit card was restricted. On XX/XX/XXXX, I saw 3 transaction on XX/XX/year> with a total of {$310.00} that I didn't authorize. I called Bank of America on XX/XX/XXXX to file a claim, stated I wasn't personally at any of those stores, and my credit card was at home and I didn't authorized anyone to use my card. Bank of America set up a claim with claim number XXXX, and temperately credited the amount of amount. On XX/XX/XXXX, bank of America stated, as the transactions were read through the chip on the card and pin was entered, that indicated me or someone i allowed to use my card was present. 

I have prove that i wasn't presented at the store nor authorized anyone use my card. Bank of America failed to present any documents with my signature or prove of me authorizing my card and refuse to refund the amount that was a scam/unauthorized transaction.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to transunion per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) asking to validate accounts that I am disputing on my report. Transunion didnt respond.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

after being sick and tired of the fees and other garbage that this company has been charging me- i called in the customer service - got my pay off and paid it - then closed my account. 
a month later i receive a bill for interest on the closed account- i called in again- to pay off and complain - the cycle and i'm afraid will continue. 

I see this as predatory credit practices and interest charged on a closed account that i specifically called in to pay off in full so i can be rid of them. 

Comenity bank will never get my business again and i will continue to fight them on this - would appreciate the investigation into their practices and failures.