davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (FL)

From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (FL)

From XXXX until XX/XX/XXXX XXXX has been reporting on my credit report that ALL INFORMATION was accurate when and verified accurate. I have been disputing this information for 4 year about the inaccurate findings on my report. Yet every dispute was returned as verified and accurate. 
Today my credit report was updated by XXXX and shown since XXXX they have been falsely reporting inaccurate information which created a negative report on my credit report and hinderedy ability to obtain credit from other sources. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-01
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. (NY)

Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are 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 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I JAVE A COMPLAINT AGAINST JP MORGAN CHASE FOR INACCURATE AND UNVERTIFABLE INFORMATION ON CREDIT REPORT. ACCORDING TO FAIR DEBT REPORTING ACT UNDER 15 USC 1681A2 STATING I DID NOT GIVE WRITTEN PERMISSION TO HAVE THIS ACCOUNTS FURNISHED ON MY CREDIT REPORT. AND THEY MUST BE REMOVED IMMEDIATELY, IT HAS DAMAGED MY CREDIT AND MY NAME
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want all of these fraudulent unauthorized inquires off of my report.
Consumer complaint received 2022-11-01
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. (NY)

Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are 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 2023-08-15
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. (SC)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2021-03-12
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: Experian Information Solutions Inc. (NC)

I have disputed with XXXX several times to delete the trade line do to FCRA deletion period met. The account is 9 years old and the company keeps falsely reporting the open date at a new date. Account was open XXXX XXXX  and they have updated reporting to show XXXX XXXX. I would like for them to delete the trade line.
Consumer complaint received 2023-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

without any permission from me, bank closed my CD 's before maturity dates- moved all funds in CD 's to lower interest savings accounts - locked account - no access to {$55000.00}. in CD account - refused multiple email and phone requests to unlock account and multiple requests to disburse all funds in the CD to my credit union account - attempted to charge me multiple thousands of dollars to obtain release of my funds- more than XXXX month of correspondence by phone and email - no effective response from bank
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CRED Technologies dba cred.ai (CA)

Around XXXX, XXXX I opened a dispute with Bank Credit.Ai in regard several payment came out of my account without my authorization. Acct # : XXXX Transaction Description : : ACH debits by XXXX XXXX Date Error Reported : XX/XX/XXXX Claim Amount : {$320.00} Date Transaction Posted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Cred.ai treated this dispute as an error being reported when in fact was an unauthorized used of my Card and/or Bank account XXXX On XX/XX/XXXX they denied the claim based on the statement " We have completed our investigation, and we have determined that no error occurred. As a result, we have closed your dispute claim. '' That same day I requested all documentation involving the decision to close this claim against me. It took them until XX/XX/XXXX to send the requested documents. Just ONE. This document will be attached as well. Document refers to someones notation for the account " assuming '' the transaction are correct and no investigation was performed, at ALL. Someone decided to close the claim stating she/he believe this transactions are correct because I did not reported them when they wanted me to report them and missed, I don't know how many opportunities, of phone calls. A direct violation of of Bank practice and state and federal law. 

As stated before, It was brought to my attention theres no documents available for me to review other than internal hearsay notations and someones assumption after looking to my account phone calls history that has nothing to do with the fraudulent charges. 

On XX/XX/XXXX I emailed them back to reopen the case and start an investigation. 4 months later still haven't heard from this Bank and case still closed without remediation and returned of disputed ( fraudulent ) funds back to my account. 

I stopped direct deposit to this account right away. I will not be using this account in daily basis as I did before. I will be submitting complaints to all State and Federal organization about this Bank. Now, let 's go over their responses they used to deny my claim. 

First assumption to deny my claim. I made several phone calls after 1st transaction in dispute had been posted on my account. When I call Customer Service is about an specific topic and/or issue can not and does not constitute sufficient evidence I should've been aware of any other transaction aside from what I was calling for, therefore, investigation team, can not use this statement to conclude I could've or should've seen the payment at that time. 

Assumption number two to deny my claim, they're repaeating themselves about phone calls I had made to customer service and not seeing the transaction and reporting it. That's exactly what happened, I did not see this payments coming through. 

Assumption number three, The transactions I was calling for was, in fact, different from the payment is being disputed. For the 3rd time, again, they repeated themselves.
Consumer complaint received 2022-10-22
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. (IL)

On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to TransUnion regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 section 604A Section 2. They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who TransUnion did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act. Account as follows : XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  # 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 XXXXXXXX These account are not as the investigation states accurate and fully completed.
Consumer complaint received 2022-10-22
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)

Re XXXX XXXX XXXX XXXX  XXXX Account, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2023-06-10
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: DISCOVER BANK (WA)

Hi! I used my Discover card to purchase a XXXX XXXX chair from XXXX. Because the shipping of the chair was delayed, I asked that the company not send the chair and refund my money. XXXX agreed to do this via email. After several months, I did not receive a refund and also never received a chair. I continued to contact XXXX  and although responsive they continued to say that they had attempted to refund my purchase. After many months I asked them one more time to refund my purchase or I would file a dispute with my credit card company. They did not refund my money. I contacted Discover to dispute the charge and they reversed the charge. However, because the XXXX via email said that they " attempted '' to refund my Discover card ( they never confirmed a refund ), Discover said that because they attempted to do this the onus was on me to prove that they hadn't done so despite the fact that they did not see the refund on my Discover account. I contacted Discover several times but they closed the dispute. The ultimate situation ends with me paying for a XXXX XXXX chair from XXXX  via Discover card and not ever receiving the item or receiving a refund. The total amount is XXXX.
Consumer complaint received 2021-12-09
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 — Their investigation did not fix an error on your report
Company: AmerAssist A/R Solutions, Inc. (GA)

In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX. 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources. 
With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.
Consumer complaint received 2023-06-10
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: SUNRISE CREDIT SERVICES, INC (NY)

XXXX XXXX, XXXX and XXXX have stolen information and is reporting it. 

As per 15 USC 1681 law, above companies are performing defamation of my character by stealing information and reporting incorrect info. This has caused a tremendous hardship to purchase my home and achieve my American  Dream thus it cause mental break down to me and my family. I have worked so hard to work, save and purchase a property to see these companies enrich with my information and misuse, and miss handling them. 

Please update my report immediately and remove incorrect XXXX XXXX and Sunrise Credit services on behalf of XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (CT)

An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX  account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (ID)

I purchased a set on sofas with interest for XXXX months. So before we start paying interest we payed the whole amount to synchrony Bank and they assured that my account was on XXXX with no any interest or fees. This happened XXXX months ago. In the meantime i was getting calls from them and emails for payments of the same account I already payed. I called the bank XXXX times, I talked to the managers and supervisors and they said that it was fixed but still I owe money. Also, the XXXX time I called, they said that they created a dispute to this case and will be fixed but the first week of XXXX, I called yesterday XX/XX/2023 and now they said that it will take longer than a month. But it is affecting my credit record, that are calling me for paying.
Consumer complaint received 2022-11-01
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. (KS)

My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MS)

On XX/XX/2021 I applied for the Citi Premier credit card. The bank approved the application the next day. I applied for the card, in part, due to their enticement of awarding me XXXX  Thank You points after spending {$4000.00} within three months of opening the account. Upon receiving the card, it immediately declined my first charge. I called the bank to have them verify my identity. They told me they fixed the problem. The next time I tried to use the card it declined again. I went through the same process to fix the problem. I have called the bank 12 times over the past 3 weeks spending hours on the phone, because the card continues to decline. Every time I call the service rep assures me the problem is fixed, yet it persists. I just called again today, and the rep told me she could not fix the problem, and I would need to wait to hear from the bank. This has caused stress between my husband and me. I just want the bonus I was promised. I have been able to get some charges through, but not {$4000.00} as the Citi offer states. 

The bank has not provided the product they promised. It does not work properly, thus preventing me from meeting their terms in order for me to earn the XXXXpoint welcome bonus.