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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and I had a whole lot of inquiries that I don't recognize I'd like these fraudulent inquiries removed please XXXX Transunion and XXXX please remove the inquiries immediately
Consumer complaint received 2023-01-07
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)

I sent a letter on XX/XX/XXXX XXXX XXXX  to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., NXXXX XXXX XXXX XXXX XXXX  .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$28000.00}
Consumer complaint received 2023-01-08
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. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, ACCT XXXX XXXX XXXXXXXX, ACCT XXXX XXXX XXXX, CONSUMER XXXX XXXX, all have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-08
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries. The
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Certegy Holdings, LLC (TX)

I received my first SSI XXXX check from the federal government yesterday, which I've been anxiously awaiting for 16 months. I'm XXXX and am living in my car with my pet and desparately need this {$1500.00} for basic survival needs. When I tried to cash the check at XXXX yesterday, it was declined based on Certegy 's " service '' and was labeled " high risk. '' The check is drawn on the US Treasury! And there is no way to speak to a human at Certegy. Their only offered assistance, through automation, is to mail me a copy of whatever could possibly be in " my file '' that causes this check to be high risk. That's of no help to a homeless person with no mailing address. Unbelievable. They should be sued for this.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This bogus entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and bogus, these three corrupt companies-Transunion, XXXX and XXXX ruined my credit scores based upon false misinformation provided by the creditor XXXX XXXX XXXX. and XXXX XXXX XXXX  Please see attached letters.
Consumer complaint received 2023-01-08
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. (TX)

XXXX Account Number : XXXX XXXX AND XXXX I Equifax stated that they verified this account and did not send proof on how they verified this account nor documents showing I gave permission to authorized nor my signature. I need this account deleted asap.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (GA)

I purchased two Vanilla Visa Gift cards equaling to the amount of XXXX. The same day I gave them to my daughter for her birthday the XXXX was depleted, then the following day the XXXX was as well. Have reported the fraudulent transactions and there was a hold put on the card. I have filed a dispute, now waiting.. These cards werent tampered with, when I purchased them so Im really confused as to how anyone was able to get ahold of the card info.
Consumer complaint received 2017-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I called   XXXX   XXXX   XXXX   XXXX  and spoke to  XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from  XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my  XXXX  receipt show was returned. I used to work for  XXXX  and I know as a matter of fact that  XXXX  is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on    XXXX   XXXX  , 2017 and returned  all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call  XXXX . When I called  XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the error
Consumer complaint received 2023-01-08
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. There are inaccuracies on my account that needs to be removed. Listed are fraudulent address that are not mine. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-24
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 (PA)

I ordered prescription sunglasses from XXXX XXXX XXXX on XX/XX/XXXX for {$320.00}. After a long delay the safety glasses finally were shipped XX/XX/XXXX. When I received them they were defective and not functional. The model I ordered ( XXXX XXXX XXXX ) comes with a foam facial seal that installs into the frame of the glasses. The ones I received were made with lenses too large for the foam facial seal to install. 

I contacted XXXX XXXXXXXX XXXX  and asked if they could remake the glasses so that the foam facial seal could be installed. They admitted there was a defect in my pair of glasses and sent me a return shipping label. I shipped the glasses back and USPS marked them as delivered on XX/XX/XXXX. After contacting them several times and not getting any expected ship date for the remade glasses, I requested a refund on XXXX. After waiting over a week I initiated a chargeback with Discover on XX/XX/XXXX. Only after this chargeback was initiated did XXXX XXXX XXXX issue a refund, however this refund was only for 50 % of my order total ( {$160.00} ) citing that they had a 50 % restocking fee. After XXXX XXXX XXXX issued the 50 % refund, Discover decided the dispute against me. Discovered state that even though XXXX XXXX XXXX sent me defective sunglasses, they would not go against XXXX XXXX XXXX policy decision to only refund me 50 %. 

I am now left out {$160.00} despite receiving defective sunglasses and returning them to the seller. I feel it is wrong that a company can send out defective products to customers and pocket over a XXXX dollars. I tried working with the seller so that they could correct the problem and send me functional sunglasses but they failed to deliver in a timely manner.
Consumer complaint received 2023-06-20
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. (AZ)

i have made an identity report with the federal trade commision in regards to inquiries that have been reporting on my credit report that are not associated with any accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-29
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-03-24
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (NC)

I called the debt collection to get them to remove the late payments. We came to an agreement. It has been removed on credit karma but not XXXX. It still shows the same late remarks. I have tried to contact the debt collection but the number is out of service.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I had a flight with XXXX XXXX and they allowed me to have a personal item in the departing airport but made me pay for the same item in the connecting airport twice the first amount was XXXX and the second amount was XXXX. I also got stranded in the airport on the returning flight and didnt even get on the the scheduled flight because the original connecting flight didnt wait XXXX more minutes and flew with an empty plane basically. I made a claim with chase after i tried to resolve the issue and at least get a credit from XXXX XXXX and they were very unhelpful. Chase reversed that claim and didnt give me any reason in regards to it. I tried contacting XXXX multiple times at the airport and online and they didnt even have a phone number for me to communicate and the website was horrible. The date of the claim with chase was XX/XX/2022 and i just realized now looking in my account that it was reversed I received no communication from chase.
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a XXXX Hyundai XXXX in XXXX. That car came with a defective backup camera and since XXXX, XXXX I have been trying to have that camera replaced through the warranty. 
I took to the Hyundai service center in XXXX XXXX, as well as XXXX XXXX, CA. 
In XXXX, XXXX Hyundai XXXX XXXX diagnosed as defective and needed to repair, and in XXXX, XXXX when I took my car to have the backup camera repaired, I was told by the XXXX at that location that since I gave them a poor score rate when I received a survey, that was the last time I was going to be allowed at that location, and my repair was not done. I asked them to send the part to the Hyundai Dealership in XXXX, CA, so I could get that replacement over there and they told me that they would get back with me, but I never heard back from them ( XXXX XXXX ). I filed a complaint with Hyundai Motor XXXX and up-to-dat my issue has not been resolved. The last time I heard from a representative named XXXX representing Hyundai Motor XXXX  was on XX/XX/XXXX via email. She provided me a number to call at XXXX ext. XXXX. That number and extension goes straight to voice mail and they never return customer 's calls. I contacted Hyundai Corporate XXXX  at XXXX on XX/XX/XXXX and spoke to XXXX, and she told me that since complaints are handled by a XXXX  party, she could not help me to reach XXXX. I sent XXXX an email on that same day and asked for a call back and as of today ( XX/XX/XXXX ), I haven't heard from her or anyone representing Hyundai. My case number is # XXXX I also had a promotional subscription for XXXX that was set to expire in XXXX, XXXX and I accidently hit the cancel button on XX/XX/XXXX and I immediately called to get that subscription reinstated, since it does not expire until XXXX, XXXX. I spoke several times with numerous representatives and was promised reinstatement, but that was never done. On XX/XX/XXXX I spke to XXXX that said he did put a ticket for reinstatement of subscription and up-to-date I have not heard from Hyundai - XXXX or XXXX any confirmation of subscription reinstatement. I was also told to go online to reinstate subscription, but when I go online, the system does not offer reinstatement and requests XXXX payments of {$XXXX} each. I explained that to XXXX and other representatives.
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: HYUNDAI CAPITAL AMERICA (TX)

This account needs to be removed from my credit report immediately. this is not my account I have already filed an Identity Theft Police Report On XXXX XXXX XXXX reference number XXXX. please delete this account from my credit history asap
Consumer complaint received 2022-11-23
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. (NY)

I sent a letter on XX/XX/2022, to Experian to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (LA)

Interest was jacked up to 29.99 % APR on my business cards due to some missed payments. Fine, its in the " rules ''. I've managed to stay up to date for at least 19 months ... Chase will still not reduce the APR. Reduce it to half, maybe I'd be able to actually get it paid off. Not what they want... they want to keep me under their thumb to squeeze every dollar they can get. 
Kinda sounds like a XXXX  situation to me.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I XXXX XXXX XXXX ; in sui juris, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX CEO & Manager, I Have no knowledge of this Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXXXXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX CEO & Manager of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc. (WI)

On XXXX XXXX  at approximately XXXX I made a tranfer to a relative XXXX XXXX XXXX XXXX XXXX through Sendwave money transfer company for the sum of {$2600.00}. On arriving the bank for pickup the recipient ( my relative ) XXXX XXXX XXXX, was alerted by Sendwave messaging network that the funds has been picked up by her which was not true. After reporting the issue to sendwave complaints department I was told the issue is being looked into, but the pace of the investigation has been very slow. The money sent was for a life and death suitation and every time delayed causes more harm than good. I feel I am not been taken seriously, and need this issue resolved as quickly as possible.