davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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. (TX)

I noticed fraudulent accounts on my credit report and I immediately notified the credit bureaus of this. I quickly sent them copies of my correct information along with the identity theft report, It has been 60 days and they are still reporting the fraudulent information and they have not investigated it.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts balances that are incorrect. I contacted the company 's and was told the documentation required to update the inaccurate items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be. XXXX XXXX XXXX XXXX Account balance shows {$1100.00} as of XX/XX/XXXX. Account balance was showing {$180.00} I owed left to pay. I made last payment on XX/XX/XXXX {$180.00} then out of no where it says account balance {$1100.00} once I paid the remainder balance off. Could you please update my account balance for your convience which should be XXXX $
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (RI)

On XX/XX/23 I applied for a XXXX XXXX card to receive XXXX points and a {$250.00} credit. The cost for this card is $ XXXX. After spending {$1000.00} I was to receive the XXXX points, but the airline reduced this to XXXX with no explanation. I have tried to get the additional points due to no avail. The only reason I applied for this card was to receive the points and credit. XXXX # : XXXX
Consumer complaint received 2024-04-08
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. (NC)

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-03
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)

Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item 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 Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$810.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

I have disputed an alleged debt to LVNV Funding for a supposed XXXX XXXX XXXX Card account. LVNV Funding is illegally reporting items negatively on my credit report in violation of the FCRA and FDCPA.

LVNV has previously been sued and fined for violating the rights of consumers like me.

TO WIT : LVNV has been requested to, and has failed to provide me with the following documents to demonstrate their legal authority to place derogatory marks on my credit report : 1 ) They have failed to provide me with the Purchase Agreement to demonstrate they have any ownership, legal interest, or legal authority to collect the alleged debt or place negative records on my credit report.

2 ) They have failed to provide the original signed application and loan documents that would demonstrate the debt is even valid or legally binding. This should include the original Terms and Conditions. as well as all subsequent addendums and riders issues by the orginal creditor from time-to-time.

3 ) They have failed to provide a full accounting of all payments, charges, late fees, payments posted, and interest calculations to demonstrate the claimed balance is accurate, correct, and lawful. This data should include all instances of late payments claimed which would have led to a delinquency and assignment to collections.

4 ) They have not demonstrated their legal authority to collect against me here in Virginia. I have requested proof of proper licensing and authority here in Virginia as well as proper third-party debt collector bonds they are required to maintain in Virginia. Their activity is a violation of the Virginia Consumer Protection Act.

5 ) They have failed to provide documentation of the full chain of ownership from the original creditor all the way through their unproven claim of ownership of the alleged debt. This should include proof of assignment to each subsequent entity without any break in the chain. Documents must be provided with true and accurate dates and signatures. The original Purchase Agreement should also be provided, containing the Terms, Conditions, and Representations regarding their claimed ownership of this alleged debt.

6 ) They have failed to prove they sent me the legally required notices prior to placing the alleged debt on my credit reports with the major credit reporting agencies. I have demanded copies of all such correspondence and any letter tracking their firm maintains. IN the XXXX XXXX XXXX XXXX XXXX precedent has been clearly established that their " illegal debt parking '' without notice is a violation of my rights.

7 ) They should explain why they have continued to communicate with me and call me after being told to no longer contact me. ( I will allow written communication in direct response to my dispute and efforts to have this wrongful action corrected. )
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NY)

The agency is saying that this is a timeshare account that was opened up back in 2021 in XXXX. I never travel to XXXX in 2021. I never opened up any type of timeshare account. I reached out to the collections agency I provided them with my email address. The collection agency was supposed to send me a copy of a signed contract. I never received the contract. I called them several times for updates. Can not get in contact with anyone. I leave messages nobody calls me back.
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by The Arbitrage which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to Coinbase at the instructions of the scammers.
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX  XXXX {$290.00} XXXX  XXXX {$500.00} XXXX  XXXX {$140.00} XXXX   XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX
Consumer complaint received 2023-04-29
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. (MI)

I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2023-10-08
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: AMERICAN HONDA FINANCE CORP (FL)

After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XX/XX/XXXXXXXX XXXX, AMERICAN HONDA FINAN, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Dear CFPB, Im making complaint to chase bank against important satiation as I need a help on this issue, Im so unhappy with chase on the way they deal with us if I want to rename this I would say unprofessional, This is kind of torture way, The story is every time I deposit a check the bank either but me on high risk or put the check on hold for XXXX days For unknown reason I fully understand its for security to verify the check sources as I fully understand its too many fraud is going around this days but you have to understand which person you dealing with.

First Im client with chase over than XXXX years since XXXX  Im not new customer I never did or enter any kind of fraud check to my account I never did any thing wrong with chase bank or any fraudulent activity. 

The question is why every time I put check to my account I found always kind of tourture either pending XXXX  days or secure message # please call the bank or we m

ay close you account # or high risk fraud flag and waiting a lot of time on holding chase phone call to resolve the situation. Chase bank dealing with us as criminals but its not a policy they broke the law against what chase says on the official website When do checks clear? This from chase bank 1-By law, banks are required to make at least the first {$220.00} of a personal check deposit available for use by the next business day Footnote1 ( Opens Overlay ). Never happened with me chase is not clear on this part.

2-Certain types of checks are designed to clear faster, often being available in full by the next business day. Never happened. 

3-Depositing a large amount more than XXXX, even if I deposit XXXX dollar same issue red flag XXXX days holding. 

Thanks for response,
Consumer complaint received 2023-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (CA)

On around or about XX/XX/2023. XXXX XXXX in an attempt to collect a medical debt in the cost of {$1000.00}, reported to XXXX, XXXX, and XXXX without my knowledge. This caused damage to my XXXX XXXX with all 3 credit bureaus and also my bank causing my XXXX XXXX to drop drastically, preventing me from making a large purchase. I wrote them a letter asking them for proof with my name and signature. They sent me a letter back in response but failed to show proof.
Consumer complaint received 2024-01-20
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: CITIBANK, N.A. (NY)

Citibank unfairly reported negative payment information to all 3 credit agencies regarding a situation in which the account holder ( me ) was not at fault for the delay in payment. On XXXX XXXX, there was a technical error with XXXX XXXX XXXX auto billing which resulted in a missed payment cycle to Citibank. The account holder was unaware of the issue until the following billing cycle at which time the billing issue was corrected and payment was rendered. Citibank was made fully aware of the problem and completely ignored the fact that the missed payment was at the fault of XXXX. Citibank unscrupulously reported negative information to my credit report for XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: E-Backgroundchecks.com, Inc. (KY)

In XXXX of XXXX, Backgroundchecks.com reported that they would not be able to freeze or opt me out of their consumer information database. Since this report accessed by POF and Tinder without my knowledge ( these companies likely included the requirement to pass a background check in their TOS, but I never explicitly authorized a background check nor did I ever receive any notification of one being performed ), I want to freeze this report so that only very intentional applications should be considered. Backgroundchecks.com claims that freezing reports is not required by the FCRA " or any other law ''. Given that they sell almost all data imaginable, this is terrifyingly obscure and opens me up to untold data collection with no ability to restrict it. See their own site at XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

In late XXXX of XXXX I received an email from XXXX XXXX telling me a collection account had been added to my credit report. This was the first time I was notified about this collection. I was never contacted by the collection company ( genesis management ). I was never contacted by the rental agency ( XXXX  ) who they were hired by to create these fraudulent and false charges against me. My phone number has not changed since XXXX of XXXX. Furthermore when I moved out of the greystar property I paid 100 % of the charges I was notified of. Despite this, the company greystar stole my deposit ( {$200.00} ) with no explanation of the additional charges and now, XXXX years later, they are attempting to steal more money through fraudulent and criminal means. Neither of these companies have ever provided one shred of evidence to justify these charges. This is a clear example of criminal enterprises working together to create fraudulent charges against innocent people such as myself.
Consumer complaint received 2024-04-08
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : ( XXXX XXXX. ( XXXX XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

InXX/XX/XXXX I XXXX XXXX started work at XXXX XXXX XXXX. During the first year of work I applied for the Public Service Forgiveness Program through XXXX XXXX XXXX. During the application process I was asked to have my employer fill out forms stating that they were a non-profit organization. These forms were sent to XXXX XXXX XXXX  who also reviewed application and approved it. I worked at XXXX XXXX XXXX  from XX/XX/XXXXto XX/XX/XXXXand within those calendar years I consistently paid the amount that was set by XXXX XXXX XXXX. OnXX/XX/XXXX I received a letter in the mail stating that all of my qualifying payments while I was employed at XXXX XXXX XXXX was being revoked and approval reversed. I called in to XXXX XXXX XXXX to inquire on why I was being notified 8 years later that XXXX XXXX XXXX   was not a qualifying facility. I spoke with a initial service rep who was very polite and sympathetic towards issues. She then transferred me to a Public Service forgiveness program manager who was not in any way shape or form polite nor understanding. I then began to explain the situation to her. I followed up by saying this process requires approval by XXXX XXXX XXXX and XXXX XXXX XXXX. I asked how did they miss this for 5 years. She then stated " Sir I was not the one taking care of or approving this loan program. If you could have that employer write a letter stating that they are non-profit then we would review it. '' I then said I get that, but the only one who is suffering here is me and my family. She continued to demonstrate no signs of sympathy or understanding. I then apologized to her, stating that if I sound rude it is not meant towards you. She said nothing and stated that I could send in my complaint via fax or online. Still no sympathy nor compassion from her. I submitted a application every year and XXXX XXXX XXXX  department continued to approve it. This is not right at all. XXXX XXXX XXXX and XXXX XXXX XXXX dropped the ball on this one and they need to own it. Customers should not suffer because they are not reviewing applications appropriately. 8 years are you kidding me!