davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. 
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. 
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. 

I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. 

On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. 

On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. 

On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. 

Eventually, I submitted the detective 's contact information to the fraud department. 

The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. 

Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. 

The bank also refused to provide me with the credit during the time of investigation.
Consumer complaint received 2023-12-19
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. (CA)

STOP CONTACTING ME. I SPECIFICALLY YELLED AT YOU PEOPLE MULTIPLE TIMES THAT THERE IS NOT IDENTITY THEFT. ( THAT RECORDING IS NOT INCLUDED BECAUSE XXXX LIMIT ON THIS XXXX SALES FORCE WEBSITE ) THERE IS FRAUD! YOU DEFRAUDED ME. YOUR BUSINESS IS FRAUDULENT! YOU NEED TO BE PLACED INTO LIQUIDATION TO PAY BACK CREDITORS LIKE ME! I AM DONE TALKING TO YOU! 
XXXX NOW, OR GO XXXX YOURSELF. I'M DONE WITH YOUR XXXX BANKS AND ECONOMIC ZONE. XXXX YOU! PURE FRAUD! PHYSICS IS UPSTREAM OF POLITICS. I WIN THIS NO MATTER WHAT. IF YOU DON'T SURRENDER SOON, THEN I WILL NOT ACCEPT SURRENDER EVER! IF I TESTIFY, YOU ARE GOING TO JAIL FOREVER! CONTACT XXXX XXXX XXXX FOR INFORMATION. XXXX. DO NOT CONTACT ME. YOU OWE ME FOR EVERY MINUTE I HAVE SPENT ON THIS CASE, AND NOT DOLLARS. XXXX DOLLARS. DEAD CURRENCY. WORTH XXXX! YOUR BUSINESS AND POLITICAL STRUCTURE IS GOING TO XXXX! FIGURE IT OUT XXXX! OR ELSE!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (IL)

Impersonated lawyer as to collect on a debt I have no clue about. sent in debt validation letters that were ignored and returned with continuous calls at work and my personal phone. harassment was throughout the day 7 days a week after letters were sent.
Consumer complaint received 2023-12-19
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) 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, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-12-19
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. (GA)

On XX/XX/2023 I notified Transunion, XXXX, and XXXX XXXX that I was a victim of identity theft via certified mail and as of today XX/XX/2023 Transunion, XXXX, and XXXX continues to report information that resulted from the identity theft. Section XXXX, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX and XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 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.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

In XXXX on XXXX I did a dispute against professional collector corporation and they couldnt validate the debts with XXXX so the bills were removed. XX/XX/2023 professional collector corporation then and reported 2 bills. One of the bills is for XXXX in the amount of {$1600.00} I have not been to the XXXXXXXX XXXX XXXX since at least XXXX of this year and it was for a cold so I went to convenient care. So that bill doesnt exist. There is a second bill for XXXX in the amount of {$4000.00}. This bill was already removed off of XXXX since it couldnt be validated. It already shows on the bill that I disputed already which I did through XXXX. Now XXXX said thats fine that they will take the bill and it put on my credit without validating again. Which they cant validate since it doesnt exist. Professional collector corporation is very angry with me since they are trying to collect that was already paid by XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  is trying to double dip.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Previously, I filed a complaint against chase bank with the Fed Reserve Bank, because chase bank denied a corporate credit card for and under the startup program, stating, my income was below XXXX . Start up program should not require any income, then it won't be startup anymore. It appears Chase bank also took off the start up program off their website. I applied for it before than that. This is illegal. Office of Comptroller of the Currency case no is XXXX. ( FRB did nothing and transferred the case to office of the comptroller of the Currency ). Now, I found out that chase bank has manipulated the opening account records of my credit card no XXXX and the umbrella credit card account no ending in XXXX. This is very suspicious. Obviously, chase bank did that to hide the credit card accounts opening dates records for the corporate credit card, that is mentioned above. Which chase bank denied. This is suspicious and illegal activity by chase bank. Moreover, when I asked the chase bank 'when would the promotional 0.oo % APR offer would end on these two credit card accounts ending in XXXX and XXXX ''. Chase Representative said, he does not see any promotional offers. And obviously, chase bank has not been charging any interest, because there were 0.00 % APR offers on these credit cards accounts. This means chase bank has manipulated the credit card records so much, that they do not see the original records properly anymore. Chase bank did all that just to deny the corporate credit card issuance. This is illegal activity by such a large bank. Chase bank Representative told me that accounts ending in XXXX and XXXX were opened on XXXX of XXXX, XXXX. Chase bank lied. XXXX account was opened in XXXX. XXXX account was opened 4-5 months ago in XXXX. 
Chase bank needs to issue the corporate credit card, and straighten out the other credit cards account opening date records.
Consumer complaint received 2024-04-19
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. (IL)

PLEASE BLOCKED AND REMOVED I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ANY AND ALL NEGATIVE REPORTING IS DEFAMATION OF CHARACTER. THIS COMPANY IS NOT AN OFFICIAL GOVERNMENT REPORTING AGENCY. I WILL BE FORCED TO SUE THIS COMPANY IF THEY CONTINUE TO CAUSE HARM TO MY WELL BEING WITH DEFAMATING MY NAME. GIVING FASLE CONSUMER SCORES AND SHARING/SELLING MY INFORMATION WITHOUT MY KNOWLEDGE OR CONSENT. 15 USC 1692 C, I DID NOT GIVE PERMISSION TO BE HARASSED BY YOUR NEGATIVE REPORTING AND SELLING OF MY INFORMATION. THE FAIR CREDIT REPORTING ACT 15 USC 1681 ; STATES REPORTINGS SHOULD PROMOTE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION, ARE MY RIGHTS. YOU HAVE 4 DAYS TO DO WHAT IS FAIR AND EQUITABLE TO ME AS THE CONSUMER AND REMOVE ALL NEGATIVE REPORTING. ALSO HJR 192 STATES THAT I HAVE UNLIMITED CREDIT BACKED BY THE UNITED STATES SO MY CREDIT SCORE SHOULD REFLECT THAT AS WELL.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (VA)

Despite our previous correspondence, it appears that the fraudulent items have not yet been removed, and the issue remains unresolved. This situation is deeply concerning and requires immediate attention to prevent any further damage or financial loss. 

As I have emphasized before, the presence of these fraudulent items not only compromises the security of my account but also undermines the trust and confidence I have in our business relationship. 

I urge you to take swift and decisive action to remove the fraudulent items from my account without any further delay. Additionally, I request that you provide me with a detailed update on the steps being taken to investigate the source of these unauthorized charges and prevent similar incidents from occurring in the future. 

Given the sensitive nature of this matter, I expect a prompt response and resolution from your end. Please prioritize this issue and ensure that it is handled with the utmost urgency and professionalism. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : XXXX : -XXXX XXXXXXXX XXXX Open balance {$830.00} -XXXX XXXX XXXX XXXX  balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number XXXX- XXXX XXXX XXXXXXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- {$250.00} XXXX XXXX {$230.00} XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  {$250.00} XXXXXXXX XXXX- {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX Experian- XXXX XXXX XXXX account- {$690.00} XXXX XXXX XXXXXXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard InquiryXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXXXXXX- {$230.00} Name IDXXXX XXXX Name IDXXXX XXXX Name ID XXXX : XXXX XXXX Name IDXXXX XXXX Name ID XXXX XXXX XXXX Name ID XXXX XXXX XXXX Name ID XXXX XXXX XXXX Address ID : XXXX XXXX XXXX addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX
Consumer complaint received 2023-12-18
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. (SC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-19
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. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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: Experian Information Solutions Inc. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2015-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls.