davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (OH)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-10-16
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 have been dealing with this issue sense XXXX of 2023 and these accounts do not belong to me at all because they were caused by identity theft/fraud. I am a consumer and I know my rights. This is in violation of 15 usc 1681 b and that is unacceptable.
Consumer complaint received 2023-10-10
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DC)

I have an XXXX account, with a card provided by Webster Bank. I have recently tried to use the card and run into issues with it being denied. Today I tried again and finally rang up my healthcare provider who eventually passed me on to the card provider. 

I was informed that because I hadn't used the card, it had been cancelled. But I couldn't use the card BECAUSE it had been cancelled. 

This is a chicken/egg scenario and I suspect the bank cancelled card to prevent me spending the funds in that account. ( Just to be clear there is more than enough money saved in my XXXX to pay recent bills! ) Is this a policy, cancel cards, prevent customers from spending their savings? I suspect so. This should be investigated.
Consumer complaint received 2024-04-07
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. (MD)

XXXX an auto finance company financed a vehicle in my name without my authority or knowledge in XXXX of XXXX. Though I have repeatedly indicated to the XXXX XXXX that this was a case of identity theft. They have continued to report to the credit agencies a charge off of XXXX. The entire amount of the loan. In XXXX of XXXX my name was added to the title weeks before the XXXX XXXX charged off this loan. I have gathered copies of the contract and other documents and they show that the signatures are computer generated, all exactly identical. There are some areas where a signature belonged but is not present. This puts act to have been between the dealership which sold the vehicle XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX. I want immediate removal of this blight from my credit report and for XXXX to clearly follows the laws and due process I have as a victim of identity theft How it started Date fraud began : XX/XX/XXXX {$27000.00} I have no connection to XXXX AND NEVER bought a car through them the signatures were computer generated the vehilcle was the vehicle i leased through XXXX XXXX and turned in and two months later i get a bill for first month payment XXXX.i contacted them immediately told them it was a mistake identity thedft or some ething but it was not me 4 months later they charged the vehicle off in my name and its still there nearly 2 years later
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Uber Technologies Inc. (MO)

On XX/XX/2018 at XXXX I took an Uber ride in California . I had it setup to  charge a differnt card on file. Well for some reason Uber claims the charge didnt go through which I beleive it did. I had it setup on a virtual credit card. Well on XX/XX/2018 Uber decided to just randomly pick a differnt card even though I never authorized them to charge my card ending in XXXX charged it on XX/XX/2018 in the amount XXXX which was 6-days later. This charged was NEVER LEGALLY AUTHORIZED by me to allow UBER To charge this car. 

I submitted a complaint for a full refund. I was going back and fourth with uber for over a week now. Each time getting a diferent customer service rep with a differnt answer. 
But finally on XX/XX/2018 I was told by UBER that I would be getting a FULL REFUND to my card ending XXXX. 
After waiting a couple days on my refund it never came. So I reached back out to Uber to ask them to were is my refund and then I get a different answer that I wont be getting one. This company told a LIE, then said I would be getting one. 

So basically they illegally charged my card which I NEVER AUTHORIZED, then told me I would get a refund. Then changed their mind and said no I wouldnt. I beleive thier business pratices is ILLEGAL. 
Not to mention I requested a supervior, or manager call me to discuss this situation but the only thing I do is keep going back and fourth with UBER in regards to the charge. I am requesting a FULL REFUND IMMEDITATLEY. 


XX/XX/2018 DEBIT CARD DEBIT / XXXX UBER TRIP XXXX auth # XXXX XXXX
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (FL)

In my complaint, I am addressing the fraudulent accounts recently added to my credit report due to identity theft. These unauthorized accounts were discovered while I was in the process of purchasing a home, significantly impacting my ability to secure favorable financing terms. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, which entitles consumers to access their credit reports and dispute inaccurate or fraudulent information. The inclusion of these accounts without my knowledge or consent has caused severe damage to my creditworthiness and jeopardized my financial goals. This conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities.
Consumer complaint received 2023-11-17
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (FL)

On the Experian.com it states that " The federal law prevents a debt collector from : Discussing your debt with anyone except you and your spouse, or an attorney representing you. A debt collector can, however, contact other people to obtain your phone number, address or workplace information. '' In my case the original creditor is XXXX XXXX XXXX XXXX, I did not give them any permission to discuss my debt with XXXX XXXX XXXX and now Experian is reporting this on my credit report. It also says on their website that " If a collection agency has been unable to recover money from you, it can resell the debt to another collection agency. However, the debt will retain the original date of the delinquency. Therefore, the collection agency can not report old debt as new debt. '' Well the original dates of these debts are from XX/XX/XXXX and XX/XX/XXXX but on my credit report is says the date opened was XX/XX/XXXX. So if a collection agency can not report old debt as new debt this should be removed from my credit repot immediately.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-07
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I signed up for a Capital One XXXX XXXX card with a XXXX miles bonus after making {$4000.00} dollars in purchases. Online, and in the terms and conditions, the award miles are advertised as being able to be transferred to other airline reward programs. 

After receiving the XXXX award miles from Capital One, I attempted to transfer the miles to the XXXX XXXX XXXX XXXX rewards program. This transfer was blocked by Capital One, with me being unable to complete their XXXX authentication process. 

Multiple Capital one representatives confirmed over the phone that award transfers are blocked until my phone number is recognized as a " stable contact ''. As a result, I can not use my bonus miles with any other providers than Capital One for an indeterminate period of time from opening my account. Capital One allows me to use the miles with them immediately, but the value is substantially worse than with the advertised transfer partners. Capital One is effectively holding my miles hostage through restrictions that are not made clear to the customer at the time of sign up. 

Despite the {$390.00} annual fee for this card, there are multiple online examples of others running into the same unadvertised restrictions XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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. (MS)

XXXX XX/XX/2023 checked my credit report with out authorization XXXX checked my credit report on XX/XX/2023 with out my authorization Please delete these inquiries
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. I also filed a CFPB complaint over 45 days ago, and you failed to respond. I am including a list of my disputed items along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
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. (AZ)

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (DC)

On XX/XX/2023. The Discover posted my balance transfer for the amount of {$10000.00} and interest of {$430.00}. For paying a Loan that my partner XXXX XXXX has with XXXX XXXX XXXX XXXX. I called Discover and ask for transaction ID number payment number and they told me they do not have that information because Discover paid electronically. XXXX need that information to trace the payment. As per today, there is a balance in my account was never paid to XXXX and Discover charged me for it with interest. 

On the XXXX side the loan keeps accruing interest because Discover did no pay them.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (DE)

I requested the user agreement that I and my alleged joint account holder signed that would allow the joint account holder to make transactions on my account. Since that user agreement with both account holders name printed and signed was not provided by PNC BANK I am demanding that PNC bank remove the record that it furnished to XXXX XXXX XXXX  which total {$14000.00} from my consumer report. Not only that but this account was opened fraudulently by a PNC BAN representative as a business account and not a regular checking like I thought when I initially opened it.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I signed up for a new AMEX credit card. When I received the card, I added my bank account information for payments. I thought I had set up XXXX  but a day after my XXXX payment due date, I got charged a late fee for not paying the XXXX payment by the due date. Then I immediately paid the full statement balance and ensured XXXX was set up. I contacted AMEX customer care to waive/refund the late fee because this was an honest misunderstanding but they refused to accommodate the request. They reasoned that I didn't have enough credit history with them to fulfill my request. I am not satisfied with that reasoning because this issue is likely common with XXXX payers and honestly seems like a policy to pocket late fees from exploitable customers.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My wife and I purchased a vehicle for {$54000.00} in XX/XX/2023. We both have sub par credit and are working on fixing it. We purchased this vehicle with a extremely high interest rate with hopes that with on time payments we would refinance in a year. XXXX XXXX XXXX has not reported our on time payments. We've emailed and called several times and get no updates or results. This is predatory lending practices to keep a high interest rate and not allow other finance options. 
This is a {$1200.00} payment made on time every month. We even made a extra payment to principal but was never applied to the principal by the company. Now over a year later our credit has not changed due to the fact that no payment history is being reported.
Consumer complaint received 2024-04-05
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-05
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. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UHG, LLC (GA)

UHG purchased an old loan that was closed out 4 years ago and now they want the money owed and fees. This amount adds almost XXXX to the debit. 
I am XX/XX/XXXX and live on a fix income. They threatening to place a lien on my home which has a XX/XX/XXXX loan.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The student loan was taken out fraudulently pay under my name. Both subsidized and I subsidized loans were taken out in my name totaling almost {$5000.00}. I did not take out any type of student loans and ever since finding out in XXXX Ive been working to get them removed off of my credit. It removed from XXXX bureaus because it was verified they were my account except on TransUnion.
Consumer complaint received 2024-04-05
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.