davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (AZ)

To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. 

I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX is a fraudulent account that was reported back in XXXX. This account was removed from my report but appears to have been sold to another collection agency called XXXX XXXX. Under the Fraud debt collection practice act it is a violation to collect on an account that was previously reported as fraudulent. I am notifying you that this account must be removed immediately removed based on the aforementioned information. A report affidavit is attached.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

Over 2 months ago I settled a collections account with XXXX. And it is not being showed as settled. On my credit report it shows only half paid and a late payment, when this account was settled and paid off back in XXXX. I've spoken with Convergent Outsourcing several times, they say they will fix it but never do. Please help just get this debt off my credit report
Consumer complaint received 2023-03-16
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. (MN)

In accordance with The Fair credit reporting act. The list of accounts below has violated by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX. 
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 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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 2024-03-15
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. (LA)

I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Consumer Reference # XXXX XX/XX/XXXX - I began the checking account ending in XXXX XX/XX/XXXX - Incident happened where 5/3 bank took a {$0.00} principle loss and closed my account due the contribution reason " Checking Account Fraud '' I am not sure what they encountered, but I believe that I was a victim of attempted fraud.
Consumer complaint received 2020-01-15
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: DISCOVER BANK (FL)

Discover Business Card was used by a volunteer who was definitely terminated. My business partner disputed the fraudulent activity in its entirety. Discover refused to cooperate with me stating Fraudulent activity was not found. Discover advertises Zero Fraud Liabilitys on their accounts. This false and misleading information is fraudulent in itself and I find it to be criminal that discover does not uphold their word based upon contractual agreement. I spoke with a representative today by the name of XXXX who is going to do an investigation again and she said the 0 % fraud liability is only if Discover finds fraud in my favor. Since this is fraudulent Why are they not honoring the 0 % fraudulent Liability clause thats in the contract. She also notified me that because of the way the account was closed and why would our business pay for something we didnt do that she would not be re-issuing a Discover card after the investigation is complete.
Consumer complaint received 2023-05-15
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)

Took out a car loan from XXXX XXXX XXXX. 
It was a XXXX  month loan. 
I paid it off in XXXX  months They reported a " late payment ''. 
I NEVER missed a monthly payment
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (NV)

I was recently looking at my credit report and I noticed a bunch of negative Inaccurate information on my report I disputed this information with the bureaus experian XXXX  XXXX. It has been over 60 days sense I sent those letters out containing where I want investigated and removed I still have not heard anything from either one of them. Ive been more than patient due to Covid in the election going on. I sent these letters on XX/XX/2020 Im reaching out to the CFpb to get this done please get this done
Consumer complaint received 2020-03-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

So about a couple of months back I needed to get a loan to pay some of my bills. I went to checksmart and I was able to get the loan and pay off only a small but if my bills but I was still struggling with money. I have rent, electric, phone, and even medical bills for medicine to pay for my mother. I do not have a car and it costs a bit for me to catch two buses to get to work and back. But Checksmart has been constantly calling me non stop every single day since sometime in XXXX last year or XXXX this year up till now. Constantly being rude and demanding payment. And even at work they call non stop. When I'm home they call non stop. And when I would answer they hang up. One time I even answered and asked how much did I owe the lady hung up. All day long I get a total of 6 to 7 calls by them every single day. I almost got fired cause they called during a very important event at work. I keep my phone on during work in case of emergencies. And I was even at my mom 's XXXX in the hospital and they kept calling me. This is getting way out of hand and very annoying and I strongly feel harrassed by XXXXhecksmart. They clearly do not care. Also I found out that when a person seeks to get a loan for them they do not tell the person that they secretly apply an extra {$150.00} on a profile that they don't even mention at all because they did this to me. I'm struggling a lot with money and my health problems because I'm sick a lot. But they even called me today while I'm at work. This is really getting on my nerves and stressing me out. And this was the second time I got a loan from them and payed it back when I got the first loan last year. The second loan which I am struggling paying back and is getting harrassed for is getting crazy. I will pay them back and even when I tell them I will they either hang up or get rude. They never let me explain my situations or they threaten to call someone on me that they are partnered with.
Consumer complaint received 2020-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian has verbally refused to acknowledge my overall outstanding credit card/unsecured debt is less than {$56000.00}. Ive informed them based on their consumer profile update. ( XXXX ). My free annual credit report from 3 major credit reporting bureaus reflect less than {$56000.00} total unsecured debt credit card and line of credit debt. 

Experian has my account status reflecting more than {$60000.00} in debt, raising my credit utilization to 100 % thus creating a down grade by 2 significant avenues, revolving debt carried is considered higher than necessary and credit card accounts inaccurately showing XXXX credit available for me to utilize based on continued use of 100 % credit utilization identifier. 

Additionally, Experian claims that a retail credit card provider, XXXX XXXX has reported acknowledgment of a late pay I was responsible for in XX/XX/XXXX. I spoke to XXXX XXXX and I was not given confirmation that such a comment was forwarded inclusive of my 30 day credit lender submittals. Even though this information is not considered a derogatory or major reporting on my profile, any negative information can impact my score up to double digit reduction in credit rating worthiness. 

Experian is using tactics that are vague and poorly supported when theyre challenged on the position held against me. 

Are used to carry a credit score in the 690 range and possibly close to 700 during the first quarter and parts of the second quarter of XXXX. No I did have hard inquiries on a home loan refinance which amounted in five application submissions during the month of XXXX and other than that I paid off my student loan. Experian drop my credit profile by well over 30 points with no other negative credit impact eligible for consideration. At least no negative reporting that was of major incident to the best of my knowledge. 

I feel as though Im being influenced to consider their boost program and potentially other credit monitoring programs that serve their interests before mine. Im not going to spend extra money or join credit monitoring that is historically unnecessary. 

Im asking for the CFPB to assess my grievance and encourage Experian to adjust my credit rating based on my years of experience, timely payment of my debt obligations, real debt associated to my profile, etc. 

Thank You, XXXX XXXX
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (CA)

I am afraid we have had a breach of our original settlement agreement yesterday.

I am going to file this case for breach of contract, post settlement sanctions, violations of RFDCPA, TCPA, And Cal Penal Code 632.

In short Chase bank called me yesterday using an automated dialing system at XXXX XXXX PST to solicit lower my interest rates on my credit cards to my cell phone number ending in XXXX. My guess is that you will respond with something like Chase has no records of contacting you to which will be met with instant filing in {$25000.00} and under court and no judge is going to fault me for filing this case. Chase called and that is that. 

Can you give me an resolution to this matter or a resolution to litigate? I am drafting my complaint now and will file this by the end of the week should I not hear back. 

Please advise how you wish to handle this. Dismissed case # XXXX ( XXXX XXXX )
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (LA)

XXXX XXXX account XXXX Date open XX/XX/2019 balance XXXX and loan by phone/ XXXX XXXX XXXX acct XXXX XX/XX/2019 balance XXXX both this debt was settled with collections and XXXX XXXX and Experian will not fix after multiple disputes and have sent settlement papers and keep coming back verify without stating how they verify that debt was validated
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diverse Funding Associates LLC (OH)

On XX/XX/2020 this info was posted on my Credit report, Potentially Negative Major Derogatory is collection Yes, Open Date XX/XX/2020 payment status Grid Code G ( collections ) XX/XX/2020 amount {$1200.00} from XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX or XXXX XXXX XXXX XXXXXXXX XXXX XXXX Validation of debt transfer was not confirmed? Where is this debt coming from? Companies involved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  and XXXX and XXXX? us/dnf-associates-LLC.html   Foreign Limited Liability Company XXXX XXXX XXXX XXXX Ny XXXX , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX MI  XXXX XXXX XXXX XXXX. Last I hope these people didn't send the US Marshals to my house, with AKs and guns.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and XXXX  but it still remains on Equifax credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, Equifax, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.
Consumer complaint received 2023-02-11
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. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

On XX/XX/22, I opened a checking account at U.S. Bank. For the first couple of months, my maintenance fee was waived in accordance with my account agreement ; however, on XX/XX/22, I was charged a maintenance fee that was not waived, but received no notification. U.S. Bank continued to charge me a maintenance fee despite never notifying me that it would no longer be waived. In total, the fees amounted to {$76.00} over the past year.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Ria Envia, LLC (TX)

I sent money to support my brother back on XX/XX/2022 Ria Money Transfer https : //www.riamoneytransfer.com/us/en never told it will take four business days to complete. But after the transaction is submitted now they are intentionally sitting on the money in the name of security. They have already taken funds from my account. I have visited there XXXX page that complaint common, partially because of accountability, which they think no one can ask them. 

I called their compliance department on XX/XX/2022, and provided all the information they asked about the beneficiary. The compliance officer told he let the transaction leased right after the call, but that never happened. In fact she cheated. 

My transaction numbers for reference. 
XXXX XXXX
Consumer complaint received 2023-05-15
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. (NY)

Chase Sapphire card ending in XXXX. 

Made a Chase XXXX reservation of {$50.00} in XX/XX/XXXX, reservation code XXXX, used Chase card ending XXXX for payment. 
Closed the Chase card used in this reservation in XX/XX/XXXX 
Travel reservation was cancelled for a full refund in XX/XX/XXXX, and the amount {$50.00} was refunded to card. 
I asked Chase customer service what will happen since the refund went to a closed card and was told I should get a check refund in 3 months ( XX/XX/XXXX ). 

We are in XX/XX/XXXX, and there is no sign of the {$50.00} refund. 

I contacted Chase, spoke with a manager, and she does not see the refund. 
I contacted Chase XXXX, spoke with a supervisor, and he confirms the {$50.00} refund was issued back to card used for payment ( ending in XXXX ). 

Nobody knows where my refund of {$50.00} is. 
Where is it, who is holding it and not contacting me to refund?
Consumer complaint received 2023-02-12
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: CL Holdings LLC (MD)

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

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Ive disputed inaccuracies with Equifax XXXX. Ive paid my XXXX on time & consolidated the old loans into just two final loans. Equifax has not updated my credit report or made any changes in a year. Equifax will update my credit card payment & utilization for accuracy.