davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (MO)

I contacted TransUnion, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true I am a victim of fraud. 

This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (KY)

I have had an account with Goldman-Sachs via Apple for quiet some time. I always pay my bill on time. I made a payment. My phone inadvertantly selected the wrong account for payment and the payment was decline ( rightfully so ), I immediately picked the right bank account when I learned the problem. The payment has cleard my bank so they have my money but the system identified my account for a hold. So they have my money and I am out of my money from my bank account but yet they are still holding on my account and I have MULTIPLE auto withdrawals from the account and they are getting declined b/c with the " payment hold '' even tho they have the payment, they are still punishing me when my payment was on time and has clearned my bank account. This puts me in a bind at a minimum very inconvenient and bad customer care but at worst I could have services interrupted and fees applied for declined payment and that this could get reported to credit beaureau when i did nothing wrong. They have my payment. This is an unfair practice and they should be told that they can not treat their customers this way. I called and spoke to the bank and they said this was " automatic and they canot undo it. '' I will not clear for another several days and they have my payment. Please address this.
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite submitting my request on XX/XX/XXXX and XXXX XXXX  acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : XXXX - XXXX XXXX XXXX Opened XXXX XXXX, XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite submitting my request on XX/XX/XXXX and XXXX AUTO acknowledging receipt on XX/XX/XXXX, I have yet to receive any form of correspondence or information as of today, XX/XX/XXXX. 
The specific account details associated with this dispute are as follows : Account : XXXX AUTO Account Number : XXXX Date Opened : XXXX/XXXX/XXXX I demand an immediate and aggressive investigation into XXXX XXXX 's blatant refusal to provide the requested information. This failure to comply with my rights demands swift and decisive action on your part. I expect you to exert your authority and forceful measures to rectify this situation immediately.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TX)

Daily phone calls during my work hours from XXXX ( XXXX ) XXXX. Have told them that they have the wrong person and wrong number. I also continue monitoring my XXXX credit reports and I have no debts. I told them to cease and desist and sent them in text that information. The phone number seems associated with Radius Global. I warned them that I was going to report to FTC, who referred me to CFPB website.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank by J.P Morgan yes indeed I have been banking with that company for years more than 10 years and all sudden this year I call them to asked them to help me with XXXX, just so I can receive a money that my XXXX from the XXXX XXXX XXXX XXXX owed me. And ever since I have called Chase Bank on that Topic, Chase bank Customer Service responded to me that same day on the phone telling me how my account was restricted and no further details on why my account was restricted. But never Chase Bank called me or emailed me any information regarding about restricted my account. And I called last week and no one answered my calls, so yesterday morning I decided to pay chase Bank a visit and Sat down for hours and finally day told me that my account is Closed and that in 7 business days I will receive a check on the Mail. I asked really is that so, you mean I am kicked out the bank an the Clerk answered yes you are not to bank with Chase ever again. So I left on my way.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

Solicited Card Members can receive a Free Night Award of XXXX XXXX XXXX points after a spend of {$4000.00} or more in qualifying purchases are made on the Card within 4 months of accepting this offer. I accepted this offer on XXXX XX/XX/XXXX, so I should have until XXXX XXXX to meet the XXXX dollars requirement, but amex told me Upon reviewing your account, I see the case that was previously submitted. It appears that as per offer terms, the spending threshold is from the offer starting date which was on XXXX until XXXX that's why the spending that was counted was until XXXX only totaling {$3700.00}. I spent more than XXXX dollars during the 4 month period, but they don't want to issue the free night. 

The Amex chat team confirmed I have till XXXX XXXX XXXX to meet the spending XXXX dollars requirement on XXXX XX/XX/XXXX. I have attached the screen shot.
Consumer complaint received 2023-09-29
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. (NY)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Mercari, Inc. (MD)

I purchased a XXXX XXXX from a seller on Mercari. When the item arrived, it was completely broken and unusable. I immediately went into the app to try to initiate a return so I could receive a full refund. Upon doing so, the Mercari system automatically issued my refund as an account credit instead of refunding my original payment method. I contacted customer service to request my original payment method be credited, but they have refused to do this. Instead, they have added my funds to my Mercari account balance, and the only way I can get the money out of the Mercari account is by paying a {$2.00} ACH fee or a {$3.00} instant transfer fee. There is no free transfer option. I believe this is unethical and potentially illegal. I paid for an item which was not received in the condition I was promised, and now this company is trying to charge me a fee in order to receive my refund.

They are saying my refund was processed by their automated system because it was under a " nominal amount, '' but their website policies make no reference of what the value of a nominal transaction is, and regardless of this, I have indicated my full willingness to return this item in order to receive my refund. Their customer service has refused and the only option I have been offered is the refund with a {$2.00} or {$3.00} fee. This is unacceptable. My mercari account is registered under my email XXXX and attached are the email threads with Mercari customer support regarding this issue.
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CO)

Complaint Against Unauthorized Debt Collection Activities by XXXX XXXX XXXX and LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint regarding unauthorized debt collection activities conducted by XXXX XXXX XXXX and LVNV Funding LLC XXXX Both entities have been attempting to collect a debt from me, despite not being licensed to collect debts in my current state or in the state where the debt originated with the previous creditor. 

The account number in question is XXXX, and the amount being pursued is {$740.00}. 

The collection attempts by XXXX XXXX XXXX and LVNV Funding LLC have been persistent and harassing, causing undue stress and inconvenience. Moreover, their lack of proper authorization to collect debts in the relevant jurisdictions raises serious concerns about their compliance with consumer protection laws. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of XXXX XXXX XXXX and LVNV Funding LLC and take appropriate measures to ensure they cease all unauthorized debt collection activities immediately. Additionally, I urge the CFPB to take necessary enforcement actions against these companies to prevent further harm to consumers. 

Enclosed with this letter are copies of all relevant documentation, including correspondence from XXXX XXXX XXXX and LVNV Funding LLC, as well as proof of their unauthorized status in my state and the state where the debt originated. 

Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to address this issue and protect consumers from predatory debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
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. (GA)

This is my first 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-21
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: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-01-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (SC)

I gave a XXXX XXXX XXXX a certificated security as the registered owner of the account and told them to present it to the United States Treasury to aid in the public debt. They have continued to steal my securities. If theyre saying they dont send registered notes classes A, B, C etc theyre committing securities fraud as you cant send unregistered notes.
Consumer complaint received 2024-01-08
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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. (WI)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (MD)

ILOST 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 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Denying my request without offering factual determinations or providing clear and valid reasons for the denial questions the authority of the bureau to make such decisions without conducting a proper and thorough investigation. The removal of the fraudulent accounts by other bureaus is a clear indication that the allegations of fraud are substantiated. It is perplexing why TransUnion seems to be ignoring my legitimate requests, undermining the credibility of the bureau in the process. What is particularly confounding is that other credit bureaus have acknowledged the fraudulent nature of the accounts and have promptly removed them from my credit report. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. 

I demand an immediate and comprehensive review of my dispute. The denial of my request without a proper investigation is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I expect TransUnion to rectify this situation promptly. I insist that Transunion provides a detailed and fact-based explanation for the denial of my request, including the specific reasons for rejecting the removal of the fraudulent accounts. Failure to comply with this demand will force me to escalate this matter to regulatory authorities and seek legal recourse.
Consumer complaint received 2024-01-08
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated 5-day timeframe. 

How can it be that your bureau dares to dismiss my legitimate claim? Who are you to sit in judgment, claiming to know better than I whether I have been a victim of identity theft? Your refusal is not only maddening but an affront to decency and fairness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to make it unequivocally clear that I am not about to let this gross miscarriage of justice stand. If you persist in denying my rightful claim, be prepared to face the consequences. I will not hesitate to engage my attorney and pursue a legal remedy to rectify this outrageous situation. 

I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here.
Consumer complaint received 2024-01-08
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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX