davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
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. (FL)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC (KS)

At XXXX XXXX on XX/XX/2020 a private number called me stating they were from a processing agency and we're trying to serve me Court documentation and that I needed to call an ( XXXX ) number in order to schedule an appointment to be served by an officer. No identification was given as to who they were, what it was about, just that I would be given the details when I called that number. 
I called the number XXXX at XXXX on XX/XX/XXXX, XXXXand I was told that they represented the company called Loan Me. I had taken out a loan with Loan Me, nearly 4 years ago ( it will be four years in XXXX XXXX. The man on the phone did not give his name, did not give the name of the company he was from, merely stating they represented the company loan me. He said this matter concerns the loan that I taken out with Loan Me and I could resolve the issue over the phone today. There was no mention of making appointments for court documentation to be served to my residence. When I informed him that I had no financial means to resolve anything over the phone, he stated that Loan Me was suing me for theft. He asked me if I wanted to go to jail for theft. I responded there's nothing I can do, I guess they'll just have to do what they're going to do, because I have no money. He then reiterated that I resolve the issue over the phone, today, because I will be put in jail for theft. When I stated again, with an irritated voice, that I have no way of resolving this issue he hung up on me.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

Despite these troubling times, American Express closed my account. Yes, I owe them money, but i did give them {$340.00} in XXXX. I just think with stay at home orders and having to close our business due to governor orders it is a crime that their greed would not let them work things out with a customer.
Consumer complaint received 2021-12-23
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 is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my Identity IQ report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2021-03-17
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. (TX)

XXXX ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB (MN)

I made 3 payments to Klarna in the month of XXXX totaling XXXX. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account was up to date and according to the app I had paid on time. Now they are trying to say that i owe a XXXX late fee when I was already charged a XXXX late fee in XXXX. 

Now on XX/XX/XXXX I made a payment and apparently I can not be refunded my XXXX because of that. Which makes zero sense. 

Companies that take advantage of people like this should be fined.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-12-23
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I have settled and closed this account. I closed and paid in full of this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. The closed account was falsely or mistakenly re-billed. Due to Covid-19 Pandemic i am unable to pay for unauthorized re-bill that was mistakenly reporting by the bank institution.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Chase does not accurately communicate the XX/XX/XXXX rule between their own departments... marketing constantly in late XXXX snail-mailed, and bombarded me with social media ads to upgrade my legacy XXXX Chase Business Visa card XXXX which does not show up on any personal credit reports ). When I called to upgrade, they said on XX/XX/XXXX to cancel my legacy business Chase SWA card, wait a few weeks for the credit bureaus to update and then reapply... but I was denied. 

Apparently, business cc 's and store lines of credit ( like XXXX ) do count against consumers. This is not disclosed. 

Please help hold Chase accountable so they will make it right. 

Warmly, XXXX XXXX.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

To Whom it May Concern : Due to the CARES Act, I believe that I should not have had to pay my student loan bill this month, managed by FedLoan Servicing. 

I already paid the {$340.00} bill on XX/XX/2020 due to fear of possible repercussions, however I believe that the actual amount due should have been {$0.00}. I tried to reach out to FedLoan, however it is impossible to get through on the phone lines, and when I try to submit an email message through their website, I repeatedly get an error message. 

Per my understanding of the CARES Act, I should have SIX XXXX-dollar monthly payments due from XX/XX/2020 to XX/XX/2020. If so, I would please like a refund of my XXXX bill, and for someone to please ensure that I don't get billed for the next 5 months. Just as a side note - I am a healthcare worker on the frontlines in the XXXX, XXXX - to say this is a stressful time is an understatement. 

Finally, I'd like to say that in my few years with FedLoans, I've encountered absolutely abysmal customer service. They even messed up my initial consolidation which is going to cost several extra thousand dollars on my {$320000.00} principle. However, FedLoans said they would NOT correct it, and they themselves do not have any repercussions for this mistake. I find it absolutely heartbreaking that our government sees this agency as one that is fit to help our student borrowers. 

Sincerest thanks for your help, -XXXX  XXXX
Consumer complaint received 2017-10-13
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. (KY)

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, XXXX and Transunion ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Consumer complaint received 2020-03-26
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: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/XXXX I submitted a REGIONS complaint CFPB XXXX of NO RESOLVE ID THEFT FRAUD this is * Still OPEN * REGIONS NO RESPONSE. 1 )  Regions sent me to collections for ID THEFT FRAUD beginning XX/XX/XXXX. 2 ) Regions does Not resolve fraud. 3 ) Regions does not respond to complaints to CFPB. 4 ) Regions provided NO ACCESS OR XXXX XXXX OPTIONS FOR MY XXXX.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (FL)

To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. 



Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (LA)

From XX/XX/XXXX throught XX/XX/XXXX of 2022 The the First Horizon portal to monitor my business account has been frozen, I have been trying to resolve this issue ever since the beginning by reaching out to customer service to reactivate portal and issue to still remained unresolved. Finally my portal was reactivated on XX/XX/XXXX at XXXX and I have discovered there were several unauthorized transactions that caused my account to overdraft along with overdraft fees that's has been applied, I asked the customer service representative if she can please waived the fees but she was only able to waive {$70.00}, I also went to my local branch to have fees waived and they will not help me, I've tried to explain unauthorized transactions and they still refused to help, all I want is to have fees waived
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-10
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.