davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, I XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury.

in accordance with the written instructions of the consumer to whom it relates.

Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave TransUnion any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the inquiries accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX of 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX both accounts I certify under penalty of perjury under the laws of The United States of America in the natureof [ 28 U.S.C. 1746 ( 1 ) ], that I have read the foregoing request for information and know thecontents thereof, and that the information listed above is true, correct and complete.

REQUEST EXECUTED this XX/XX/2021 Respectfully submitted,. XXXX XXXX For/by : XXXX XXXX Authorized Representative All Rights Reserved, Without Prejudice U.C.C. , 1-308, Without Recourse
Consumer complaint received 2021-10-20
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: FC HoldCo LLC (IL)

I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, A credit reporting agency, has not been properly updating the reporting models accurately to reflect payments made to the lenders and dates of paid off accounts that should have a XXXX balances. 
When I brought this to their attention they stated they would contact the reporting agency/lender and dispute the oversite. However, while on the phone the dispute department agent verified their were different amounts on my report that I was not seeing on my membership account. So I asked how will Experian address that? He answered it would have to be the fault of the reporting agency. 
Obviously there is a glitch in there system that shows several banks have not updated since XXXX, NOT. My proof is I have 2 accounts by the same bank and XXXX said the report all on the same day not one on XX/XX/XXXX and the other on XX/XX/XXXX. 
The agent agreed that there is something disputable. How often am I paying more interest because these reporting agencies are publishing the wrong incorrect balances and paid off balances.
Consumer complaint received 2023-07-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia (VA)

Account Number XXXX Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested for me to have a XXXX XXXX at XXXX XXXX XXXX XXXX. I should have had the XXXX  at a XXXX XXXX XXXX  or another local XXXX XXXX. XXXX XXXX XXXX charged me the amount of {$6600.00} for the XXXX and also {$600.00} for the required XXXX. I was not informed of this cost by XXXX or XXXX. Hence, I was not given the opportunity to decline in order to find a more inexpensive location for the scan. This is a clear violation of the Federal No Surprises Act which came into effect in 2022. After researching, I found that the XXXX XXXX could have been done for between XXXX and XXXX dollars before the insurance obligation. I have always paid my bills promptly in advance but this is unfair to a responsible customer.
Consumer complaint received 2021-10-20
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: WELLS FARGO & COMPANY (IL)

I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.
Consumer complaint received 2021-09-28
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: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I made a charge to my Suntrust debit card ending in XXXX in the amount of XXXX. The charge was for a ticket purchase for XXXX XXXX, and the payment was transacted through XXXX XXXX on the same day. I received a confirmation email on XX/XX/XXXX from XXXX XXXX that my order was placed and received my tickets via email on the same day. 

On XX/XX/XXXX, I was advised the show concert was cancelled, however, I should hold on to the tickets and I would be notiified when the concert was rescheduled. 

On XX/XX/XXXX, I received a email from XXXX  XXXX  advising the concert was cancelled and I would receive my refund through the original purchaser, Pay Pal or XXXX XXXX. 

On XX/XX/XXXX, I replied back to the XXXX XXXX email advising them that my debit card ending in XXXX had expired and to provide guidance around what would be the next steps. To date, I have not recieved a response. 

On XX/XX/XXXX, I received a email from XXXX XXXX that the concert was cancelled and " my refund was processed to the original method of payment used attime of purchase on XX/XX/XXXX. You should see this post to youraccount within the next XXXX business days. Refund details, includingwhich method of payment has been refunded, and the amount refundedcan be found by logging into your XXXX online account andclicking on your order. '' I have made attempts to remediate these issues with XXXX XXXX, XXXX XXXX and Suntrust ( now Truist ). Suntrust advised me that they were unable to locate the transaction, hence, I would not be able to dispute it.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NC)

I recently sent a letter to Corelogic to place a security freeze on my Corelogic credit report. I downloaded the form, filled out my information, and sent in a copy of my driver 's license, my social security card, and a utility bill. But yet in the response on XX/XX/XXXX, they say in a letter that they are a reseller of the consumer report information maintained by the credit bureaus. But they have not placed a security freeze that I requested, and I know that they do place security freezes and give you a PIN. Still, they're claiming that they don't, so I'm filing this complaint so they can put a security freeze on my Corelogic credit report.
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DE)

On XXXX XXXX, I sent {$450.00} to my wife in XXXX through MoneyGram , I got my confirmation number with assurance of money being available to receiver in 1to 4 business days. After a period of time or day/days of waiting, I called MoneyGram and also tracked the transaction but there was nothing wrong with the transaction. Receiver called the agent but was told, MoneyGram never released the money to the agent in XXXX I spoke with some representatives and I was told the third party/agent in XXXX where the receiver supposed to receive the money, need to be investigated for as to why the receiver didn't get her money and I must wait after 90 days to get refund. Why must I wait for 90 days for doing legal transaction? .I asked for MoneyGram terms and conditions reference page/policies regarding to 90 days money withholding due to investigation but they couldn't give me any policy reference page. Unclaimed transfer after 90 days expired but in this case not so.They always subject me to unreasonable customer abuse for no reason, custom abuse is unlawful and not right. Anytime I sent money they suspect fraudulent activity without any proof. Countless times they cancelled the transaction without any tangible reason. Why must you hold up my money to investigate a third party agent. I really need to know because this abuse is unethical.
Consumer complaint received 2023-02-18
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. (MO)

XXXX 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 u.s.c 1681 Account name XXXX Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.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 antedated 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 to believe that the information is inaccurate
Consumer complaint received 2024-01-31
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 have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (FL)

I received collections attempts from Mnet financial, address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. 

On XX/XX/XXXX, I received an out-of-the-blue phone call from Mnet Financial demanding payment in the amount of {$1000.00} for the Creditor XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. It has been a year and a half since the XXXX, and I had not heard anything about bills, or received any phone calls. 

I explained to the caller that they were violating the law because I had never been told about such a debt, and hung up. 

I then called the creditor the same day XX/XX/XXXX to investigate the issue. I learned from the provider that I had a remaining balance of {$100.00}, and that the collections company was falsely trying to also charge me for the amount my insurance had already paid. She recalled the collections, and I paid the {$100.00}. 

Later in XXXX, I received a letter from MNET Financial once again demanding payment in the amount of {$1000.00} even though the matter had been recalled and resolved. 

So in short, they tried to collect the wrong amount, over XXXX the value of the collections. Even when the payment was resolved with the provider who alerted the collection agency, the collection attempts persisted. I have my phone records to confirm the XX/XX/XXXX c alls, as well as the XX/XX/XXXX letter.
Consumer complaint received 2023-03-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX 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 2021-10-20
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. (PA)

This information doesnt belong to me, Ive reached out to the credit bureau multiple times trying to get these items removed, the credit bureau claims that documents were never received. Please refer to documents attached
Consumer complaint received 2020-11-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION (PA)

I had a checking account and savings account with navy federal, they had this program called a XXXX program that allow you to him about his money from the bank the money that I borrowed was {$480.00}. I spoke to a Miss XXXX and I told her that I was making payments I had to set up payment arrangements of {$20.00} every two weeks.I made three payments of {$60.00}, and I also help me to {$10.00} payments which I can take the money and I cant so I told him to put it towards my bill and a XXXX dollar payment when I call in to navy federal they refuse to give me a print out of that payment history!! Im trying to fix the situation and then she won over charge me
Consumer complaint received 2021-10-20
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: JPMORGAN CHASE & CO. (VA)

We had cancelled a credit card # because of Frauldent activities last year. The Credit Card company ( Chase, confirmed that the account has been cancelled and that any charges to the Credit Card Account # will not go through ) Chase continued to allow Fraudulent charges on the old Account # to go through despite that account being cancelled. They now said we are liable for all Fraudulent transactions to the account even if the account is cancelled.
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

In XX/XX/2022 all of my loans that were with Fedloan were moved to XXXX. They moved all the loans but XXXX  stayed on my credit report under Fedloan, so I essentially have doubles of those loans! It adds about XXXX to my collective debt. I tried calling Fedloan but have been unsuccessful getting ahold of anyone and normally it just says I no longer have an account with them and hangs up. I spoke with XXXX and they said it might just take a couple of months to get it off my credit report however it has now been almost 6 months and they are still showing up. I also have tried to file a complaint with each credit burearu and still the problem has not been fixed!!!!!
Consumer complaint received 2019-09-30
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 was at the counter at XXXX XXXX applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE (TX)

On XX/XX/23 I purchased airline tickets for me and my from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The purchase was for {$1500.00}, the XXXX XXXX XXXX XXXX associate informed me that I had to pay for each bag hat my family planned on taking for the trip. I paid for two bags to the destination, and paid for two bags back to our home city. However, the associate overcharged me by {$590.00} for luggage. XXXX XXXX refunded me {$270.00} to my XXXX, but said that Frontier would have to refund me the other {$270.00}. I tried contacting Frontier 's customer service on several occasions, but I either got a bot, or the person in the chat could never find the info for my refund. On the day we were going to our destination, we asked abou our refund at the luggage pickup desk, and the manager said that he could not find anything referring to a refund in the " notes ''. He handed me copied QR code for customer service, and said contact them. I tried contacting them on my trip, but I got the same results. Also, we were charged {$120.00} for an overweight bag. They had no prices posted for overweight bags or any other charges that you could be charged. He charged us {$120.00} for overweight bags, but the receipt only showed a {$100.00} charge? We were also charged other inconsistent chages for bags on the way back home. They charged us another {$150.00} for overweight bags, which is inconsisentant from what was charged on the day we flew to our destination.
Consumer complaint received 2020-11-13
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: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX XXXX has written me regarding charges made on a American Express card ending in XXXX that I did not make. The American Express Credit Card was not in my possession. This information was given to them several times but they continue to call and do not identify themselves, Recently calls received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at which time I blocked their call but I have received a call today XX/XX/XXXX even after their number was blocked. These charges were made in XXXX I explained they were not made by me, this information they continue to ignore.
Consumer complaint received 2024-05-16
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. (NY)

I have submitted disputes for XXXX XXXX  credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all 3 credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I have a charge off on my credit report for {$4200.00} from Chase bank. Ive never had a Chase credit card and would like like this deleted from my credit report. It's really effecting my credit score and I never caused the debt. I've never had a Chase credit card in my life. Please help. It was opened XX/XX/XXXX and the charge off was on XX/XX/XXXX. Please help!