davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Transunion, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Consumer complaint received 2023-06-07
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. (PA)

I have been a customer of XXXX for over two decades. 

I had alwasy used my own credit cards. 

I was recently offered a XXXX credit card which turned out to be offered from XXXX XXXX. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card. 

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (FL)

My complain is so simple, I am a modest employee of XXXX and every month I transfer my salary to my checking account of Chase Bank And I settled the automately payment for my monthly rental on XXXX every month the bank take the money to transfer to the account of my landlord in that way she should received on date XXXX every month Well on XXXX XXXX Chase took it XXXX $ from my account and on XXXX or XXXX XXXX the landlord called sayind the money is not in her account I've called to Chase costumer service and they said they had a electronic system problem blah blah blah and they sent the check to the bank of the landlord and should be ojn XXXX XXXX there in her bank/ I believe it them and on XXXX the landlord called me again to say the money is not there I've made other claim by phone where the costumer service didn't answer about my question where is my money? simple question .... all time the lady aanswered as a robot saying do you want to cancel de order?? and saying you can receive your money back in 3 or 5 working day -- - which doesnt works to me because I should pay my rental- they gave me a number of claim - On XXXX XXXX my Landlord ask me to pay the renatal again the money is not in my account and I came to the Bank talk to the manager of the office and she told me she cant do anything to me only cancel the payment order and wait other 5 days when I asked her where is the money she says she doesnt know and I should ask to Chase - insuting really insulting Ive asked her as the bank have my money why she can give me XXXX $ to pay the rental Ive already had XXXX $ in my account I explain her the landlord make me pay XXXX $ per delay day means I have to pay XXXX $ more she said she cant help and I have to cancel the payment ... .... I did And After that Ive received today XXXX XXXX an email saying my cancelation is in process in 5 working days I will get my money back - Today is my XXXX day without my money Chase kidnapped my money my rental and brought me to my life a tons of stress and uncertain information I had to ask a loan to my friends to pay my rental, Why?? If I didnt do nothing wrong and I always pay my bills I want my money back with interests and damage compensation a formal apology from the Bank and I think your department should make an investigation of this dark and fraud practice they can play with life of the XXXX people, I cancelled other order made by XXXX to a wrong number in this case last week by XXXX $ and even said nothing abut it not in my money yet I hope you could help me please to get my money back with interest and damage compensation!!!! or whatever is the law about it Thank you for your attention XXXX was a big surprise when in the bank office they cheked the number of the phone clain and they taold me doesnt exist means on phone they gave me a false numbr of claim, this is s serious acting
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

My account was randomly changed and cheated by the supervisor and customer service of the electronic funds transfer department, and my online banking was locked. They told me that my transfer can be transferred after a while. I did all the verifications and was rejected in the end. The bank was locked. When I told them that it was locked, I asked to unlock it. They told me to go to the bank to deal with it. I am not in the United States and told them. They said that my account has security settings. This setting is my own to prevent theft. Now The reason why it became impossible to unlock. During this period, the translator and the customer service supervisor were playing hand in hand. I didnt help me translate the translation, and it wasnt what I said. They were exposed by me later, and they hung up the phone. Since your bank is unwilling to help me, I ask. Close my account and transfer the money to another bank account Going to your bank will only cause me a lot of trouble I don't want to unlock my account now I request to close and transfer the money to my other bank immediately Thank you this is being accepted What do you bank force me to do?
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-17
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. (WI)

I am in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including by not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681eWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please investigate and provide proof the consumer reporting agency was in compliance with this matter. 
Please delete from my report, from this agency, for violating compliance procedures. 
Thank you for handling this matter.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: D. SCOTT CARRUTHERS (CA)

I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.
Consumer complaint received 2023-06-07
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-06-07
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. (GA)

A dispute was filed with Transunion informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. The charge off accounts on my report are as follows : Account : XX/XX/2017 XXXX XXXX XXXX Account Number : XXXX XXXX
Consumer complaint received 2022-10-27
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I have a PayPal credit account, in which the terms are, no interest on purchases of $ XXXX if they are paid off within 6 months. In XXXX, I was notified that I'd be charged interest on the full purchase amount from a vendor ; I knew that was wrong because I had already returned a portion of that purchase. I contacted customer service, they said I was right, they hadn't applied the return to that purchase, and so they would escalate it and have it fixed by the time my bill was due. That day came and went, and they did charge me the interest. I called customer service again, and I was told that the last representative hadn't fixed it, but now it would be fixed. Now it's almost XXXX and the interest is still there. I've contacted them XXXX separate times about this. I would suggest to anyone with paypal credit to comb through every statement, they don't seem to know what they're doing, and they try to find tricky ways to make money.
Consumer complaint received 2023-02-13
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. (TX)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-06
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)

My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

This is from a debt from XXXX which has been reported on my credit score by several other companies and the original it has been repeatedly questioned and I have not received any further information or explanation as to why it is being used against my credit score more than once by multiple companies and why the dates just keep getting updated as apposed to the debts effect becomeing less significant to my credit score
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently pulled my credit report and noticed that you are reporting against the FCRA standards. How can Ipossibly owe XXXX balances from XXXX companies for XXXX account? Please explain to me how I owe this debt to XXXX people? It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts.You have been reporting this error on my account damaging my credit. 

Please delete BOTH of these accounts from my credit report immediately. I would like to resolve this before I consult with my attorneys to pursue legal action. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Around XXXXXXXX XXXX Sears Citibank MC issued us replacement cards with new numbers. This apparently created some systemic problem that blocks me from accessing the rewards portal. I have used the online chat multiple times to no avail. Every time I call on the phone, they say it will be fixed in two to four more weeks. This has been going on for months. I have been patiently waiting to access the rewards and last time ( around XX/XX/XXXX - I wish I had dates for the other calls but I don't ) they swore up and down it would be fixed for sure by the start of XXXX but I just tried and got the exact same error loop as before. They are fully aware of it and though I ask - can I get new cards issued? Is there some other way to fix this? they say no, I just have to be patient. I now have like {$1500.00} work of points and I'm sure they're offering discounted e-gift cards I would want but as of now, no luck. And they refuse to issue e-cards with a phone request. 
They are completely aware of my problem, know exactly what I'm seeing and experiencing on the Sear MC and Thankyou rewards Citi site, and have even acted exasperated previously when I happened to call when the site happened to be giving everyone a problem for a while. They tell me I am just an unlucky person and almost everyone else has had their access restored. Without knowing anyone else personally that has ThankYou Rewards, I have no way of knowing if that is true or not. 
My account is in good standing and been paid off every month to XXXX timely since the XXXX So this has nothing to do with some failure on my part. Any help I can with this would be greatly appreciated
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMG MORTGAGE, INC (SC)

On XX/XX/XXXX we made a payment to CMA Financial using our bank account information over the phone. We do not know if an error is made on CMA, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.