davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File Number XXXX XX/XX/XXXX Has Promotional Inquiries showing as I opt out in XX/XX/XXXX so why are promotional Inquiries showing
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America investigation resulted in accounts that i did not access ending in XXXX and i have not been insured! They closed my account without telling me why and i was a member for 6 years. Under a dba XXXX XXXX business account and a personal account was denied several personal loans and i did not receive my 3rd EIP ( Stimilus Check ) Im under Identity Theft and this information is tied to my Ex who's shifted my name all around and using my ssn in the for of a EIN number. I cant open an account anywhere
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (CA)

I have been receiving harrasing calls all different times of the day, constantly during my work day and have asked them to stop. 
They even went as far as to contact my young son, who lives with his father in another state and caused them worry and stress, because someone called them and said they were looking for me. 

I signed up for a XXXX with XXXX XXXX out of XXXX. 
They fill the room and sell people programs. 
I was immediately financially affected by the fires in California and could not reach anyone to cancel. No local phone numbers or contact information was provided. 

I never, ever participated in any calls or events afterward, never recieved any information, value or any products from this company. 

I want then to stop. 

Please advise.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX has on my TransUnion report account sold to XXXX XXXX XXXX XXXX as purchased by another lender which in fact XXXX XXXX XXXX bought back from XXXX XXXX XXXX XXXX XXXX also has yet to clear the matter up after admitting there error to the account. There is no XXXX XXXX XXXX XXXX as sold to as they reported to TransUnion
Consumer complaint received 2023-10-13
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. (NY)

Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2023-10-13
Product: Credit 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)

Chase unilaterally switched my credit card to a less appealing benefits card without my consent, a violation of the card 's terms and conditions. This lack of respect for my choices as a customer feels intrusive. It appears Chase 's motivation was to cut costs, and their actions misled me through deceptive advertising and unannounced alterations to the card 's terms and benefits.
Consumer complaint received 2024-04-05
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 : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX My business checking account was fraudulently debited in the amount of {$4300.00} by a company XXXX XXXX XXXX XXXX XXXX  apartment complex. Due to my office being closed for 2 months due to several of us contracting XXXX and having XXXX XXXX  we did not become aware of the debit until a meeting with our XXXX XXXXXXXX team on XX/XX/XXXX, which flagged the item prior to the XX/XX/XXXX meeting but could not reach me to discuss it. I immediately filed a claim with the Bank of America business department as Fraud and told them we had a prime suspect, but the property would not confirm the culprit until we filed the claim. I was told on XX/XX/XXXX I would receive a decision for my provisional credit of {$4300.00} as they took up to 90 days to investigate the matter. However, I called today XX/XX/XXXX since I had received NO correspondence or calls regarding this seriously urgent matter. I was told they denied my claim for not " Reporting the Activity in a timely manner '' and " ACH wire into account before the transaction '' However this is my MAIN business account so of course, wires came into the account but that did not make us privy to the fraudulent debit AND as explained I was dealing with and recovering from XXXX and was unaware of the fraud discovered by my XXXX XXXX team. I called as soon as I was made aware and was well enough to call. 

This grave injustice to penalize me for not noticing fraud sooner due to being XXXX and dealing with a XXXX XXXX within our company seems contradictory to the fiduciary responsibility as there were NO ALERTS sent to me from the bank... THEY NEVER asked me to verify the charge. However, several times I have been making large purchases at XXXX with my PIN I have had them denied and I had to call in to get them approved. The bank can not PICK & CHOOSE when it protects my account and when it does not and then NOT honor its advertised 100 % fraud protection as I never signed an agreement or contract stating the specific timeframe for a fraudulent item to be reported. If I had that knowledge previously it would be something in place with my accounts payable team to make sure to audit our account within those specified guidelines. The mere fact it seems NO INVESTIGATION was even done, and my bank made the autonomous decision to " DENY MY CLAIM '' for frivolous reasons seems like a breach of trust, and their fiduciary responsibilities. I respectfully ask this matter to be investigated thoroughly as soon as possible as my business urgently needs the money fraudulently taken from us back to keep payroll afloat.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (TX)

I had been receiving a prescription medicine from XXXX XXXX XXXX. This prescription for XXXX was covered by my insurance agency. The amount of XXXX was billed monthly to the insurance I had at that time. That had been a discrepancy between XXXX and the insurance about one payment but that was resolved between the two parties yet I still receive this notice of collection.
Consumer complaint received 2023-08-17
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-19
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: SYNCHRONY FINANCIAL (PA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : 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 7 years.
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Abbott Osborn Jacobs PLC (MO)

SEVERAL MONTHS AGO, I WAS GOT SEVERAL CALLS ABOUT THE ACCOUNT. 
THIS COMPANY AND XXXX ME FOR SEVERAL MONTHS BECAUSE I REMEBER THE AREA CODE XXXX THEN I CALL ON XX/XX/XXXX THEN I CALL ON XX/XX/XXXX = XXXX WAS RUDE, SAID ITS IN DISPUTE .. OFFER XXXX ALL BILLS ARE DEPENDS ... ITS A HARDHIP WITH COVID 19 PROCESS SEVER PUT BILL IN A MAIL??? NOT MYLEGAL ADDRESS AT ALL XXXX IS SUP IS NOT AVAIL, NOBODY IN THE WHOLE OR ANOTHER IS AVAIL FALSE NAME WAS USE SEVERAL TIMES XXXX XXXX XXXX XXXX???? 
XXXX XXXX  XXXX XXXX XXXX??? 
THEN ANOTHER PERSON CALL ME FROM XXXX XXXX CA IM NOT SURE GOING ON NOT PROFESIONAL AT ALL
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CO)

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
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 Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CO)

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
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  Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
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: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$3700.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2023-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LLOYD'S PLAN, INC. (CO)

I understand there was a remaining balance after the vehicle was repossessed and sold of approximately {$2900.00}. What is very concerning is the amount of interest recently added and reported to XXXX XXXX Iowa XXXX XXXX XXXX. The company alleges that interest accrued to a total of {$2700.00}, which is nearly equal to the original remaining balance. This company has also consistently made, removed, and adjusted notes on my credit report which has caused my credit to fluctuate greatly. In addition, the credit report has consistently showed that the account was a chargeoff/collection account, which made me further question the legality of adding such exorbitant interest to the account. {$2100.00} has already been seized via wage garnishment, so I am concerned that this company has done this seemingly unscrupulous XXXX and legal processes against other unsuspecting consumers with no means to investigate the legality of these actions.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX at XXXX, while I was asleep. Chase Bank emailed me about a credit card that I did not apply for, and did a hard inquiry on my credit report dropping my credit score. I did not apply for and do not want a credit card from themz and as such never gave them permission to pull my credit report. 

When I called to inquire about the false application they said my account was sold to XXXXXXXX XXXX  and to call them... 

My current mortgage is through them, but only because they bought it from XXXXXXXX XXXX earlier this year, I would never choose to do business with Chase Bank. 

I believe they falsely opened an account in my name just to sell it, since the account isn't even officially open yet and they are already saying it was sold to another bank. 

Please close this credit card account and have them remove the hard inquiry on my credit reports. 

Thank you, XXXX XXXX
Consumer complaint received 2023-06-15
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. (FL)

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 ONLINE INFORMATION SER Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX