davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MD)

On XX/XX/XXXX I placed an order online with XXXX XXXX XXXX Purchasing XXXX bracelets. XXXX 's website at the time had items listed that you could pick up same day " before '' XXXX was how it was advertised. I purchased the items using affirm for a total of {$620.00} and once my order was processed I received an email that those items wouldn't be ready for pick up until the XXXX week of XXXX. Naturally i was upset as the entire reason for even making the purchase was because the website led me to believe that I would be able to get these items same day. I immediately called and cancelled the orders. XXXX bracelet got cancelled XX/XX/XXXX and my refund of XXXX was processed to AFFIRM on XX/XX/XXXX. The other XXXX bracelets were cancelled in XXXX system on XX/XX/XXXX and to date AFFIRM has not received refunds for those other XXXX bracelets and while i have never received this merchandise AFFIRM continues collection efforts while it has been XXXX weeks and no refund processed with XXXX. I have called XXXX weekly for over a month checking on the status of the refund to AFFIRM with no success and affirm and doesn't communicate directly with XXXX which is insane to me. I have sent affirm the proof of cancellations for the XXXX orders and they still refuse to credit my account. In XXXX days this is going to be reported XXXX days late on my credit which i can not have happen. This is an extreme disservice to consumers and they need a better system. I have never seen an automatic refund take XXXX weeks when the first refund was processed in XXXX days. 

Please help me I have an open case # with XXXX XXXX - XXXX
Consumer complaint received 2023-02-06
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. (IL)

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : SECURED CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence.

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

chime.com illegally closed my account with no explanation and is refusing to refund my money. I have called numerous times and provided all the requested documents which seemed excessive for having this be my account that is linked to my own external account. multiple issues have been raised by other consumer for this exact same practice and can be viewed on XXXX  # chimefraud. This business should be closed and i suspect they have many other customer 's money sitting in their account and have not escheat any of it to the state. a fraud investigation needs to be started.
Consumer complaint received 2023-02-06
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. (IL)

I am writing to file a complaint regarding the results of my recent reinvestigation. Upon review of the report, I have found several inaccuracies in regards to my credit accounts.

In particular, the information listed below is not accurate and I would like a full description of the errors in accordance with 15 USC 1681i ( 7 ). 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : SECURED CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Remarks : ACCOUNT PAID FROM COLLATERALS ; CLOSED XXXX # XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Despite my request for correction, TransUnion LLC has failed to modify or delete the inaccurate information on my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( xi ). I have attached a copy of my consumer report as evidence. 

I demand immediate correction of the inaccuracies listed above and full compliance with 15 USC 1681, 15 USC 1691, 15 USC 1692, and 15 USC 1681 ( m ).

Thank you for your prompt attention to this matter.

Sincerely,
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX Account charged off. {$15000.00} written off. {$16000.00} past due as of XX/XX/2020. 
Phone Number Unavailable Public Record XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX fcra violations not accurate informations XXXX XXXX Collection account. {$1900.00} past due as of XX/XX/2020. 
( XXXX ) XXXX Public Record XXXXXX/XX/XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY fcra violations not accurate informations XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, FL XXXX SINGLE FAMILY XX/XX/XXXXXXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late fdca violations
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding the incorrect reporting of a closed account on my credit report by TransUnion. The account in question is with XXXX XXXX XXXX Bank, with a past due balance of {$2900.00}. Despite the account being closed, TransUnion is inaccurately reporting it as an open account. Additionally, the debt appears to be re-aged, with a date opened of XXXX and a date reported of XXXX. The account is reported as a charge-off, yet they have stated they still own the debt, which is misleading and inaccurate. 

This debt is currently under dispute, and despite my efforts to resolve the matter directly with TransUnion, the account continues to appear incorrectly on my credit report. The reporting of this account as an open debt and its recent re-aging is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also unfairly impacts my credit score. I have contacted TransUnion to dispute this issue, but it remains unresolved, and the account still reflects inaccurate information. 

Under the FCRA, I am entitled to accurate and complete information on my credit file. The misreporting of this account as open and re-aging the debt to reflect a later reporting date is a clear violation of my rights. I am requesting that TransUnion either correct the account status or delete it entirely from my credit report. 

Moreover, as this information is incorrect, I am asserting my right to request its deletion. The FCRA mandates the removal of any inaccurate or unverifiable information, and I am requesting that TransUnion delete this erroneous entry from my credit report. 

Please investigate this matter and ensure that TransUnion rectifies this mistake by either correcting the account status or removing it completely. I would appreciate prompt action on this matter and request that you keep me informed of the progress. 

Thank you for your attention to this issue. Should you require any additional information or documentation to support my claim, please do not hesitate to contact me.
Consumer complaint received 2024-11-19
Product: Credit reporting 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. (NM)

I had disputed a account with XXXXXXXX XXXX XXXX that originated with XXXX insurance that was paid in full on auto pay and canceled. It was agreed I did not owe the debt and removed from all XXXX bureaus. Trans Union put it back on my report and lowered my score. XXXX and XXXX removed it and have not put it back on. I contacted Trans Union 2 times and was promised a call back. They have not called back and have not removed the account. 
Trans Union also dropped my credit score XXXX pts for paying down my XXXX XXXX account {$120.00} which should have raised my score. Same response they said they would escalate the issue and I would receive a call back. XXXX weeks later and NO call back and my score is down XXXX points in the last month. Other bureaus remain higher. Trans Union should not be a reporting agency if they can not accurately and honestly report.
Consumer complaint received 2023-02-19
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: PINNACLE FINANCIAL PARTNERS, INC. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA- {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA - {$1000.00} These transactions were made out of state and fraudulent. I was never notified by the company that these transactions were made. I also never got a notice or notification asking to approve out-of-state transactions as well as in such high amounts. I had a hard time accessing their online platform and thus never saw the transactions till now. Now Pinnacle Bank are stating it is past the amount of time to report this fraud, yet they never notified me of potential fraudulent transactions that was out of state and should have easily been detected as fraud. I am a victim of fraud I had no knowledge of any of these transactions stated above nor can find any info about the company that took my money and information.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts of fix listed below for violation of the fair credit reporting act. 
Upstart loan operation XX/XX/year> XXXX XXXX This account is not showing maximum possible accuracy balance end negative remark late payment according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account or remove negative remark Immediately for violation of 15 USC 1681e ( b )
Consumer complaint received 2017-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WI)

I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?
Consumer complaint received 2023-04-10
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-07
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. (NY)

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY mo ney??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Consumer complaint received 2023-03-02
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. (CA)

I discovered that the same accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One XXXX XXXX Account xxxx XXXX I am writing to you to request your understanding and support during these unprecedented times. The COVID-19 pandemic has caused financial difficulties for many people, including myself, and I was struggling to keep up with my payments. 
I called to make sure you were aware that I was affected by covid -19 per the cares act 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) I want to assure you that I am committed to meeting my financial obligations, but due to the impact of the pandemic. 

I am reaching out to you in the hope that you can show some leniency and understanding towards my situation. I am requesting that you consider removing the late payments from my account per the cares act. 

I hope that you will take into account the extenuating circumstances surrounding the pandemic and the hardships it has caused. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-17
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. (FL)

I am submitting this complaint to address multiple inaccuracies in my credit reports across XXXX, TransUnion, and XXXX. These inaccuracies stem from identity theft, which has resulted in fraudulent accounts and derogatory information being reported under my name without my consent or knowledge. Despite prior disputes directly with the bureaus, the inaccuracies remain unresolved, prompting this formal request for assistance from the CFPB. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2022-11-16
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. (AR)

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts 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. 

XXXX XXXX XXXX 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 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Account being reported as having two 30 day late payments. Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments, i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under XXXX XXXX Section XXXX A. XXXX XXXX has the right to privacy. 

XXXX XXXX Section XXXX A Section XXXX : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX