davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (GA)

The living breathing woman does not have a wet ink contract with XXXX, XXXX, or TRANSUNION to publish all of that information that is not mine but another fictitious entity and against the law 18USC1342. The manual of styles says that CORPORATIONS have all capital letters in their names. Living breathing people do not spell their names in all capital letters.These CORPORATIONS have been destroying people for generation after generation with abuse, lies, and deceit often told from Bankers from other Countries who come over here and try to tell people what to do and how to do it.Lend us our money with a large price tag on it they do not have money because the only money that is available is script from yet another CORPORATION, called the FEDERAL RESERVE This is information is not for the living breathing woman it is for a CORPORATION that was created at birth.This credit reporting agency is well aware of this scheme and are working with Banks, Lawyers to deceive the people they even call people Descedent which is a DEAD person, we are classified as DEAD persons. This government is Bankrupt so how in the world can they lend money to people when they are bankrupt. Our Signature and we the people are the Real Estate and are worth Billions of dollars. XXXX XXXX and XXXX XXXX has talked about what is going on right now. All of these credit reports are fraudulent and every one of the CREDIT REPORTING AGENCIEs know it. Lets tell the truth and keep every last one of the people up on living in the truth. These CORPORATIONS HAVE BEEN LISTING ME as a CORPORATION which is false information and it is a violation 15USC 1692a-p among other deceptive practices that the BANKERS, ATTORNEYS use taxing the American people for no reason at all. 
We the people will prevail, as soon as the XXXX XXXX wears off. The CREDIT REPORTING AGENCIES have communicated all of this negative information to a third party and have gotten away with this for years and years this should not be the case a fine should be imposed against them.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

When I was getting my car, they offered many different options for insurance and protection for my vehicle ; of course, I denied this offer because I thought I didnt need it!! So, after all, I was trying to cancel because I didnt need it. They transferred my call to other departments. All I feel so tired and I leave the things then I have there, so I have protection for pain seat and tires, and I dont even know how some of this works, I was even calling for information to make effective this insurance and they were telling me the sales person doesnt explain. I was not, but they never provided me with a good solution. Now, Im still paying, and I dont know what I am paying.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion XXXX and XXXX are reporting an XXXX  XXXX  to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.
Consumer complaint received 2023-11-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

A letter dated XX/XX/23 stated that National Credit Systems was attempting to collect a balance I allegedly owed ( I received no prior notice from the creditor ). I sent a letter back, as well as submitted a request online for itemized charges, which I received on XX/XX/23 via email. I replied to the email with supporting documents showing the balance owed was incorrect, and that I owed {$1.00}, not {$130.00}. After no initial response, I submitted the documents via mail on XX/XX/23, to which I have not yet received a response. 8 days later, the collections account is on my credit report.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

i have applied for credit cards and i instructed then to open the credit card accounts i have had in the past and the ones they closed without proper consent as i am the owner of the accounts and they need to reopen the lines as they are mine snd i am ythe owner and they are in breach of fiduciary duty and the more they open the credit card open ended accounts for the more they make. I am being damaged as they are not running back my revenue, interest and equity which is mine. i need these credit cards that i just applied for opened too as they are committing securities fraud and if they want to withhold my access to my credits then they need to retract all applications. They still need to refund all my unearned interest and give me my equity for the use of my applications.
Consumer complaint received 2023-11-15
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. (TX)

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act Capital one Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (FL)

XX/XX/2024 - Received Debt Collection Error From Credit Collection Service ( CCS ) XX/XX/2024 - Replied to debt letter citing a demand for evidence/documents showing this and to stop contacting me otherwise. Sent via XXXX XXXX XXXX- Reply was deliverd and signed for on XX/XX/2024 XX/XX/2024 - Received another demand for payment in the mail with no documents or evidence
Consumer complaint received 2023-11-15
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Someone debited checking without authorization in Texas and I live in Ohio. I called chase and reported it immediately. This claim was filed in accordance with regulation E and I still expect my money to be returned me because now this account is negative and I haven't been compensated. Chase has yet to provide a reasonable explanation on how I was in two places at once. Account # XXXX and Claim # XXXX is the information I have regarding this. It's not fair that I'm without my money and I will most likely end up in Court because I dont owe Chase a dime when they flat know I was in Ohio and this fraud happened in XXXX . Imagine trying to explain that one to the media.
Consumer complaint received 2024-05-08
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: SettlementOne Valuation, LLC (CA)

Between XXXX XXXX, XXXX and XX/XX/year>, an inquiry made by CREDIT TECHNOLOGY was added to my credit report. 
I did NOT authorize credit check or inquiry for this company. 
I have not applied for any applications for a new apartment, phone or utilities account.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (LA)

In 2021 upon my return home I found that my Wells Fargo account suffered from theft and fraud to the sum of approximately XXXX. After hours on the phone I filed disputes. Wells Fargo issued me a letter confirming that I was the victim of fraud ( not at fault ) as well as an identity theft case number. They later after a few times escalating my case Wells Fargo denied my disputes. It did get forwarded to the XXXX XXXX XXXX where they determined that my Wells Fargo checking account was not insured when Wells Fargo accounts are supposed to be fdic insured to my knowledge. To top it off I have been illegally XXXX for bounced checks associated to this account and of course I have no resolutions
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My student loans were on the REPAYE plan which was supposed to be converted to SAVE. All of my loans were initially converted to SAVE but then without explanation several were taken off of the SAVE plan. I have spent hours on hold and finally spoke to someone that said I would need to reapply for the SAVE plan. I reapplied and now they are telling me it could take up to 90 days to resolve this issue. Today they debited my account for one amount that doesn't match the amount due, an amount that is far higher than it should be. I want my loans immediately put back on the SAVE plan, and the correct payment account calculated.
Consumer complaint received 2022-11-09
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2019-11-11
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. (VA)

Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but XXXX  and Transunion are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. XXXX  and Transunion are not reporting accurate information.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Sometime in XXXX XXXX I discovered several hard credit inquiries on my Transunion credit report which i did not authorized. I called Transunion to remove this unrecognized and unauthorized inquiries ; instead of Transunion removing these inqiries, I received letters from several companies stating that it's XXXX XXXX that did the hard inquiries on their platforms. 

I didn't give XXXX permission to run my credit through several companies, and I was not informed but discovered this afterward. That's a violation of privacy of information and XXXX action is adversely affecting my happiness, wellbeing, productivity, progress and profit.

Transunion should remove all these stated hard credit inquiries from my Credit report. below are the 8 companies that have hard credit inquiries on 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
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SYNCHRONY FINANCIAL (OH)

I recently booked a house thru XXXX XXXX from friends. The friends told me they revised the payment amount to a lower dollar. I looked on XXXX and noticed there was no evidence of the adjustment. They still charged me the full amount. I then started looking at some XXXX transactions where XXXX had refunded a portion of the purchases. I see 3 transactions were a refund should have been processes however I was never refunded. XXXX never credited me the refunds. This seems completely unethical that refunds are happening but the consumer never receives them. How is this legitimate money movement or banking praxtices??? I am attaching just 3 images of expected refunds. Now i have to go and see what else is missing.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting that I have debt and collections with them when thats absolutely incorrect. I spoke to the collection agency and told them its incorrect and they should contact XXXX. I also spoke to XXXX and they stated it was a billing error and I also reach out to Experian and its still on my credit report affecting my score and hurt me financially.
Consumer complaint received 2023-11-15
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. (TX)

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$27000.00} XXXX XXXX XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$27000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$27000.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NC)

Since XX/XX/XXXX I been going back and fourth with XXXX about them locking my account they it was I had over XXXX XXXX deposited in my accountwhich i continue to write them and asked how was it possible because numerous amount people get that kinda money on there chime XX/XX/XXXX they ask for document proving that I was the account holder and other documents showing the money was mine and still kept my account locked After aski my who do I have my lawyer contact they told me the issue is out of there hand
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

I signed up for account activity text & email alerts on XXXX  at XXXX. I still have not received any account alerts. I spoke on the phone with a representative who said they escalated the problem to the XXXX department, but my account is still not working properly and I never received any further correspondence about the issue. It seems no one at Synchrony can understand the problem, much less do anything about it. Very frustrating.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account XXXX : XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.