davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".
Consumer complaint received 2023-04-17
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. (GA)

I obtained a credit report from transunion. There is an unauthorized/fraudulent inquiry from XXXX  dated XX/XX/2023. I need it removed per the fcra guidelines.
Consumer complaint received 2023-04-17
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. (DC)

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, XXXX  XXXX : # XXXX, XXXX, XXXX. : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX US DEPARTMENT OF AGRICUL : # 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 2018-03-12
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 went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.
Consumer complaint received 2017-05-13
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: CITIBANK, N.A. (CA)

Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.
Consumer complaint received 2024-04-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (IN)

Around XX/XX/year> I reported unrecognized activity on the account ( charged ). The account was then suspended & investigated by Macys. Further transactions from another state confirmed the card was compromised. I requested it be closed via phone and mail around XX/XX/year>. I continued to make payments via online to avoid any negative consequences on my credit. The website itself was hard to navigate and locate certain subtopics such as letters and any activity beyond XXXX months. I then seen on my credit that Macys closed the account on XX/XX/year>. They have not notified me directly of this. They have took unethical tactics such as XXXX the credit card limit after receiving on time payments to reflect over the limit balances and maximizing interest on balance forward. Several transactions that are unrecognized remain on the closed account and do not belong to me. I tried resolving this with the creditor but continue to get the run around with off shores representatives who also seem unskilled! Please help! I want this entire account removed from my credit report and history.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit report after receiving an inquiry notice and I know I have not applied for any credit. I reached out to the company ; no response. 

Attached you'll find he printed letters I sent to them, the company and the bureaus. I've yet to hear anything from XXXX, Transunion or XXXX on the matter. 

These inquires are effecting my credit and this misinformation is inaccurate. Also, be advised I have no accounts attached to either of these inquires, so I know i didn't make them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX, CA XXXX Attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX XXXX  XXXX XXXX, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/XXXX and XX/XX/XXXX Made with : XXXX, Transunion and XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. )
Consumer complaint received 2023-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MO)

Truist Bank received on XX/XX/XXXX  eight registered securities by registered US mail and has never credited my account or followed the instructions of wiring them to my XXXX XXXX  account. These are stolen securities, and the amount of. {>= $1,000,000} sent to The indentured trustee of Truist Bank, according to the SEC filing his name is XXXX XXXX. I have received no funds in my accounts, and no correspondence from the trustee of the bank. It was sent by registered mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina, XXXX phone ( XXXX ) XXXX. Filed FTC XXXX
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (IL)

As a consumer I, XXXX XXXX have rights to privacy and rights have been violated. Pursuantb to fcra 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681 ( b ) ( a ) ( 2 ). i have not given Experian, XXXX or XXXX any permission nor verbally nor written to furnish, sell or give away any of my information. I have opted out of them giving away any of my information and they have not abided by my rights to privacy. Experian, XXXX or XXXX have verified or updated accounts without proof of what they used to verify them. the accounts in question are XXXXXXXX XXXX XXXX ( XXXX )XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts should be removed immediately
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: KEYCORP (FL)

In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.
Consumer complaint received 2022-11-04
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)

Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2017-05-14
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. (MN)

I disputed to the credit bureau the reasons why   XXXX   XXXX   XXXX   located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this      XXXX   XXXX   2016  , It   has been a year yet I have not received any feedback but yet this is still on my credit report!
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found item ( s ) to be in error : I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Consumer complaint received 2023-04-17
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 account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with XXXX it was agreed that all corresponding XXXX account data should be removed immediately.
Consumer complaint received 2021-05-10
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: JPMORGAN CHASE & CO. (WA)

Incident : - A credit card was stolen from the home mailbox in the afternoon of XX/XX/2021. The police report number is XXXX. See the attachment reportXXXX. 
- Unauthorized charges were made between XX/XX/2021 and XX/XX/2021 at multiple local retail stores. Total amount of the unauthorized charges is {$1000.00}. 
Actions taken : - Contacted Chase Card Service and Fraud Department via phone on XX/XX/2021 and they opened the investigation. The bank has initiated the investigation. 
- Chase Fraud Department sent a secure online letter on the result of the investigation on XX/XX/2021 and the bank denied the recovery of unauthorized charges {$900.00} total. See attachment Chase_unauthorized transaction.pdf. 
- Contacted Chase Fraud Department via phone on XX/XX/2021 to contest, however, the bank denied the claim. Requested the account to be closed on XX/XX/2021. 
- Sent the copy of the police report via email on XX/XX/2021 to Chase Fraud Department and requested a written response of a new investigation. Bank has not responded after 72 hours.
Consumer complaint received 2022-11-04
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)

Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored. 

My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, TransUnion, XXXX ) bothered make sure is reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies.
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (OH)

This company illegally repossessed my car with all of my possessions inside. 
They tried to get me to make cash payments via XXXX instead of through the verified website. 
They would constantly give incorrect information about my balance due. 
They have reported to my credit that I did not pay when I have bank statements that prove when I paid. 
I was paying on the car for XXXX XXXX and they would not send me the information to register my car. Therefore, I was paying on a car I could not drive. 
This company is doing illegal practices and needs to be highly regulated or closed.