davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
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 XXXX Account # {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$900.00} XXXXXXXX XXXX XXXX, OAG CHILD SUPPORT ENFORE {$14000.00}, $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX ( XXXX ) XXXX, {$1200.00} XXXX XXXX XXXX, {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692
Consumer complaint received 2024-04-10
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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-10
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts in the letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 2024-01-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (MN)

Hello, On XX/XX/XXXX I recived this email fro, Tally, tally XXXX XXXX XXXX  XXXX Tally Technologies , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Were so sorry to let you know that due to circumstances beyond our control we will no longer be able to make new credit card payments from your Tally line of credit, effective immediately. 

Tallys lines of credit are funded in many different ways. In order to help our members save money in interest charges, we borrow money in bulk so that we can pass these better rates directly to our members. Unfortunately, the investor that funded your account has informed Tally they will no longer provide funding for any accounts, despite Tallys efforts to reach a different outcome. 

Tally will continue to service and support your account, but there will be no future credit card payments made on your behalf. 

Rest assured that this action is not a reflection of your standing or activity with us. We thank you for using our service and partnering with Tally in your financial journey. 


What to do next Going forward, you'll need to pay your cards on your own each month. Weve listed upcoming minimum payments due to your cards over the next few days so you can make sure to pay them directly yourself : XXXX {$98.00} due XXXX Please note that you'll still be responsible for repaying your remaining Tally balance. 

We'll alert you once you've successfully cleared your Tally balance, and then begin the process of closing your account. 

The good news is that your Tally minimum payments will get smaller and smaller each month as you pay down your balance. Set up Autopay now to make payments stress-free : Set up Autopay We know this may change how you pay your credit cards, and we want to make this transition easier for you. If you are having trouble paying down your Tally balance or if you have any questions about this notice, please email us at XXXX. 

Sincerely, The Tally Team Tally is providing this notice on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I write seeking your help because JP Morgan Chase, my bank of 42 years, will not reimburse me for funds unlawfully drawn from my Chase checking account by XXXX XXXX XXXX 
* * * Background : In XX/XX/XXXX, I mailed a rent check to my landlord in the amount of {$2000.00}, as I had always done for the previous 39 years. The check, according to the landlord, never arrived. I immediately notified Chase Bank, on XX/XX/XXXX, because funds in that exact amount ( {$2000.00} ) were missing from my account. 
Chase said it would investigate. Chase then sent me documents that I needed to sign and notarize, and which also required a notarized signature from my landlord, affirming that neither I nor my landlord were responsible for the cashing of the lost check. I returned the dually-signed and notarized document to Chase, as requested. 
Months passed, so I contacted Chase 's fraud department for a progress report. Chase informed me that an unknown individual was seen on an ATM camera depositing my check at a XXXX XXXX Bank ATM, and that that person took the money. 
Chase said that XXXX XXXX was responsible for my lost funds, not Chase, and that Chase would contact XXXX XXXX and seek to obtain reimbursement of my lost money. 
I continued to reach out to Chase throughout XXXX. The Chase fraud staff had sent a letter to XXXX XXXX on XX/XX/XXXX ; and again on XX/XX/XXXX, and again on XX/XX/XXXX. Chase informed me that XXXX XXXX had not responded to any of these communications. 
On XX/XX/XXXX, Chase sent me a notice. It reads, in relevant part, regarding my claim XXXX XXXX XXXX XXXX XXXX : " We will continue to follow up on your behalf. However, if at 90 days after the date that your claim was submitted we have not heard anything from the depositing bank, we will close your claim and your funds will not be recovered. '' I immediately called Chase and asked how it was possible that one of XXXX 's major banks can not get another major American bank to even acknowledge this theft. I also asked when the XXXX deadline clock began. The Chase staffer said the date would be XX/XX/XXXX. So, I said, in other words, you will let XXXX XXXX take my money if you don't hear from them by or before XX/XX/XXXX? Chase responded, " Yes. '' * * * My landlord still has not received his rent payment that was lost. I am retired and receiving Social Security XXXX. I fear my landlord will attempt to evict me for non-payment, despite my best effort to pay what I owe him. 
* * * I can not imagine that XXXX XXXX Bank would ignore another major bank on an issue like this if Chase, too, was not also ignoring such requests from other banks as well, including XXXX XXXX. In other words, I believe that this practice may be endemic, and the safety of depositors ' funds be damned. 

I plead for your assistance to get to the bottom of this matter. I am available to answer any questions that you may have, at any time. 

Thank you for your consideration.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of XXXX.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus .

I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I keep receiving notices from Linebarger Goggan Blair & Sampson , LLP for toll debts from XXXX in Colorado. These tolls were paid at the time of occurrence by XXXX XXXX XXXX XXXX, a construction company in XXXX CO, who opened the account for this vehicle. The account has since been closed. A check with XXXX shows no balance due. This is obviously a scam by this collection agency to extort money.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

Citibank opened a credit card account without my authorization and I spoke with them multiple times to have it closed. The account was orginally a XXXX XXXX store card and they transferred that balance without my consent to a regular credit card which I did not request or authorize. I paid off the balance and requested the account be closed. I filed a complaint because they opened the account without my authorization and was told by citibank representatives that the account was closed. Apparently they did not close the account like they said they would because I recently received a statement regarding this account via email. FYI the Statement balance was XXXX because this card has never been used and the only balance it has ever had was from when they transferred the store card balance without my consent. I paid off that balance, although the payment ended up being late because the Citibank representative gave me the wrong address to send my check to. They did credit the late fees and interest on the balance. I want to add the only reason I had to send a check at all is because they closed my store credit account without my authorization and I was unable to pay the balance online like I had done in the past. I would like this account to be closed and for Citibank to stop committing these type of credit card scams.
Consumer complaint received 2024-04-10
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

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 2023-11-19
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have tried using it on online platforms such as XXXX or XXXX. They have denied verification to add them to my payment options. There was also the problem trying to connect my gift card to XXXX due to some stores not taking Amex but will take XXXX. However, I was denied the connection because XXXX denied verification too.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On a letter received from Wells Fargo dated XX/XX/XXXX, it stated I could obtain documents pertaining to the research of my previous CFPB complaint. I would like to formally request those documents, along with official documents showing the Assignment of Mortgage.and Agreements between XXXX XXXX  and Wells Fargo. 

Regarding the original appraisal that Wells Fargo is in possession of, you state you could not talk to the appraiser since he lost his license. Since he is a " lay person '' with no current appraisal license, you could certainly speak with him. He may or may not  cooperate. If you simply look at the drawings, they are wrong. On the appraisal, the original appraiser drew XXXX and XXXX XXXX   together. XXXX XXXX is its own separate duplex with two units, there are no stairwells internal leading to a second floor. You can see from the back of the house picture there is a separate set of steps leading into the 2nd Floor apartment. XXXX and XXXX Lanning is a double block with 3 units. Total is 5, not 3. From what I have discovered, the 5 unit configuration does not qualify for a conventional home loan type. 

How is it on one hand Wells Fargo did not take over service of my until XX/XX/XXXX, in one paragraph, but it another paragraph, you stated you modified the account on XX/XX/XXXX? Understandably, XXXX was still a subsidiary owned by Wells Fargo and you left out that I went through one foreclosure with successfully paying what I owed and also successfully paid a forbearance agreement at one time. I would like a breakdown of every payment and total I made toward my mortgage as well. As far as I am concerned Wells Fargo has always been in control of servicing my loan, no matter what name you went by or go by. 

I did have a change of circumstance at the end of XXXX in which I lost one source of income which was a loss of {$8000.00} annually. I also had a tenant move between XXXX and XXXX which was also a loss of income. 

In the summer of XXXX, there was an agreement that was negotiated between your former attorney and mine that was supposed to go through before the Judgment, however you all did a switch and that info never was passed between your former attorney and current attorney. 

Surely, you stated I could request a refinance, however, we both know realistically that it is unlikely to occur because of the current situation. 

Please supply all documents in your research and also you stated I would need to " reach out to the originating lender, as we do not have access to all the information ''. Let me just say, the original lender is XXXX XXXX  and they went bankrupt, the original mortgage broker that worked the loan is out of business, the title insurance company for the loan went out of business, and the list of businesses that have serviced my loan since inception, have since disappeared. 

As a new matter, I would also like to know if Wells Fargo would entertain a short sale for the property?
Consumer complaint received 2024-04-10
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. (NJ)

I am lodging a complaint today to report fraudulent activity that has compromised my credit. Upon thorough research, I discovered that to remove the fraudulent items from my report, I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items identified in an identity theft report, referenced by numbers XXXX & XXXX. I have attached the necessary documents to aid in the removal of these items from my report. Listed below are the items opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receipt.
Consumer complaint received 2024-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (LA)

Company original name is XXXX XXXX XXXX XXXX and this company was sold to a XXXX party named Central Portfolio. This took place without my consent and no accurate information provided to me. This account was opened on XX/XX/2023 as stated on my credit report with a balance of {$1900.00}. I've written letters and tried to dispute on the credit bureau and also made a call to company.
Consumer complaint received 2023-11-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

I was given an American Express XXXX card. After reading the terms and conditions for use of the card at https XXXX XXXX, I declined to be bound by them. According to the terms, " By using the XXXX XXXX XXXX, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions in their entirety you must, prior to using the XXXX XXXX XXXX, request and obtain a refund of the value of the XXXX XXXX XXXX by calling XXXX. '' I called the provider, and they refused to refund the amount of the card. They further told me that the refund ( that they refused to issue ) would go to the purchaser, not to me, which conflicts with, " The terms you and your refer to the person who receives or uses the XXXX XXXX XXXX. ''
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, 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 STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS