davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. (MI)

As of XX/XX/XXXX a new credit card account was added to my credit profile. Address was added with it that belongs to an ex-girlfriends parents. Account was opened XX/XX/XXXX while we were together. I had no knowledge of this credit card and did not consent to co-sign for it. Account is in dispute with TransUnion and XXXX be calling XXXX XXXX during business hours to notify them. Credit limit on account is {$12000.00} with total use being {$9900.00}
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2024-03-27
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 TransUnion Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear TransUnion, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Hi I opened an account with Citibank after reading an advertisement that said if you open an account between XX/XX/2022 XXXX XXXX XXXX, and deposit {$50000.00}, you will get, {$700.00} after 60 days of maintaining the balance. We opened the accounts on XX/XX/XXXX and XX/XX/XXXX, maintained the balance and were new customers. The bank has failed to apply such credit. Even though they were made aware of their failure to comply with their own advertisement. They are still not honoring what they promised. I know Im not the only consumer this has happened to, as the branch admitted that other Citibank consumers were victims or false advertising. Please investigate. Thank you.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NM)

This is a debt that I was never notified of and I have no knowledge of this debt. When I disputed it no additional information was provided. No bill was sent to me prior to be sent over to a collections agency, which did not allow me to find out where it was coming from or if was a mistake.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Please see the attached detailed explanation of this complaint regarding a disputed transaction under Visa Dispute Code XXXX XXXX XXXX. The charge date was XX/XX/2022 by XXXX in the amount of {$2600.00}. The expected and approved amount was {$610.00} as outlined in the rental contract. 

I properly notified Chase and provided ample and detailed supporting documentation for my dispute. Chase failed to properly investigate and handle the dispute case as evidenced by the timeline restrictions Chase claims improperly. Additionally, a chase dispute manager admitted the mishandled dispute of this transaction and filed a grievance for me. 

While XXXX, violated the terms of the contract, failed to request gain authorization for additional charges in excess of the contracted and agreed to amount, and failed to provide a refund as promised. 

As outlined in this document per the VISA Dispute Resolution Guide, and the XXXX and Federal Chargeback Statutes, liability for these errors and contract violations rests with Chase and XXXX, not with the cardholder. 

Pursuant to VISA Chargeback Code XXXX, XXXX, and Federal Consumer Credit Protection Laws, I am politely requesting to dispute this charge and the issuance of a full credit to my account and any and all interest, fees, or charges associated with this charge from its initial transaction date. Thank you for your attention to this matter. I have attached additional details below on this matter. 

To assist with your compliance Ive provided copies of the relevant XXXX XXXX XXXX, applicable UCC codes, and previously provided documentation.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I have tried to contact this company about the debt showing on my credit report multiple times. They keep telling me that I owe them. The letter states the balance is XXXX  but originally was way less than that. This is unethical. I tried to pay the lesser amount and they said they can only offer what the creditor has listed because they dont purchase their debts This is unethical and unfair. I will not stop fighting this bogus company about this false debt. I even tried to dispute this after that, with no response. This company will be sued for trying to take advantage of me and others. This is fraud
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX PNC Busines Bank credit card withdrew {$840.00} from my business checking account without my consent. I called the XXXX ( XXXX ) at XXXX on Saturday to ask why they made the withdrawal from my account, the representative said that I called them on XX/XX/XXXX to set up the payment arrangement. I told her I DID NOT CALL PNC BANK AT ALL. I asked her to check her recordings and tell me when have I made a call to them, she placed me on hold twice and then said well she doesn't have any information and that I would have to call the front end collection to get any further information. 
I did not authorize and no one from my company authorized pnc bank to withdrawal money from my account. My business credit card was revoked and closed in XXXX.
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I purchased my home in XXXX, at XXXX. Upon receiving my 1st statement, PMI was included at {$530.00} a month. I did a modification, and the loan has been sold 7 times, my balance is now XXXX. I am paying {$900.00} a month in PMI. I have been trying for years to have the PMI removed. My payment is almost XXXX a month. I need help.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, 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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.
Consumer complaint received 2023-01-08
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. (NC)

On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NC)

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit I.D., & Proof of Address. Please delete them as a soon as possible. I have included all fraudulent items in my report.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (NY)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MD)

Sequium Asset Solutions LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX is claiming I owe {$1300.00} for an account that I have no knowledge of. I have never owned/opened an account with XXXX XXXX XXXX I wrote Sequium Asset Solutions on XX/XX/2023 and disputed the debt and requested the name and address of the original creditor. Sequium Asset Solutions has not responded to date. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, the true owner of the account ( the individual who signed the contract ) called XXXX XXXX at XXXX to receive information on the past due balance. The information provided by XXXX XXXX was that the account balance was XXXX dollars. This information is different than what was provided by Sequium Asset Solutions , LLC. 

On XX/XX/2023 ( XXXX XXXX  ), XX/XX/2023 ( XXXX XXXX  ) the true owner of the account ( the individual who signed the contract ) emailed XXXX to receive information about the debt and to date, has not received a response from XXXX, XXXX. 

I called XXXX XXXX at XXXX on XX/XX/2023 to discuss with the company directly as to why my name is listed on an account I have no knowledge of and never signed for. After being on the phone with XXXX XXXX for 31 minutes, I was transferred to three different departments and eventually was transferred to a voice mail which said that there was no one available.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK (CO)

On XX/XX/22 at XXXX at the 1stBank located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I withdrew {$500.00} from their ATM and only received {$490.00}. Of the XXXX - {$20.00} bills I received, XXXX was a {$10.00} bill. I went inside the bank and reported that I had been shorted {$10.00} in the transaction. I filed a report with the customer service representative and was told they would audit the ATM and contact me the next XXXX XXXX XXXX later I still had not heard back from them so I filed another complaint online. I received a letter dated XX/XX/22 from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating that they denied my dispute because the transaction was successful and the ATM was in balance. My dispute with them was that the machine dispensed XXXX bills of which XXXX were {$20.00} XXXX  bills and XXXX was a {$10.00} bill. Naturally the machine would be in balance if it is only counting the number of bills being dispensed. I could care less about the {$10.00} they cheated me out of but it is the principle that matters to me. They need to scan every bill being dispensed or this can happen again to some other unlucky customer.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX and Experian Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.