davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, TransUnion, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.
Consumer complaint received 2019-01-27
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. (FL)

I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX-XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-12-04
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN CAUSING DAMAGE TO MY CREDIT AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE RMEOVE AND BLOCKED OFF MY CREDIT FILE. THOSE ACCOUNTS DOES NOT BELONG TO ME AND THEY ARE REPORTING INACCURATELY ON MY REPORT. PLEASE HAVE THOSE DEROGATORY ACCOUNTS OFF MY CREDIT REPORT. KEEP IN MIND THOSE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2024-03-16
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. (NY)

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX TransUnion and XXXX are reporting these unauthorized inaccurate accounts : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, XXXX, TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are XXXX reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-04
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. (AZ)

Consumer fraud by Chase Bank and XXXX XXXX XXXX. 
Chase refunded ( stole my money ) my money for consumer fraud back to XXXX XXXX XXXX who broke several AZ Laws and I did not get what I paid for=Consumer fraud by both companies. 
Chase Bank is to immediately refund my {$67.00} immediately. 
I have also filed an AZ XXXX XXXX XXXX complaint against XXXX XXXX XXXX and no response.
Consumer complaint received 2018-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I innocently switched my mobile phone carrier from XXXX XXXX XXXX to XXXX and Without my permission or knowledge XXXX did a Hard inquiry on my credit report which has Negatively affected my credit score. I called XXXX and asked if I paid off the balance of the phone I was financing and brought my account to a XXXX balance, would they remove the inquiry. They said yes so I immediately paid off the {$660.00} balance and they put me on hold only to return to tell me that They could Not and to contact transunion. I contacted Trans union and they said that they needed a letter of deletion from XXXX. I called XXXX again and they said No and referred me to this website. 
This is Not fair because XXXX DID NOT DISCLOSE THEY WOULD RUN MY CREDIT WITH A HARD INQUIRY. If they had then I NEVER WOULD HAVE SWITCHED MY CARRIER!
Consumer complaint received 2022-09-13
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: TD BANK US HOLDING COMPANY (FL)

XXXX card thru TD BANK fraudulent charges by XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX This vendor provided fraudulent documentation to TD bank, which I have copies, to justify these purchases. These docs include fraudulent USPS delivery notices, and deliveries prior to order date. 
clear signs of criminal activity.
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (GA)

have had a Chase Military Star Card now Chase Freedom card for about 8 years. When they discontinued their affiliation with the XXXX XXXX, rates stayed fair low. However in the last year the rates have gone up on my card and where from XXXX to .50 %. In XX/XX/XXXX, they sent out a letter indicating my rate would go up to 15.24 % in XX/XX/2019. They gave me no valid reason but matching the current prime rate. A 5 % increase is not a valid increase or fair increase. If I don't agree, my card gets closed due to know fault of mine but NOT liking the new rate
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

Applying for a home loan in the month of XX/XX/XXXX, suddenly a collections appears on my credit report from a 3rd party collection agency, sequium asset solution. The collection was referred to them by XXXX XXXX. In XX/XX/XXXX I was a victim of identity theft, someone opened a account with XXXX, I followed all the necessary steps to have this removed from my credit reports. I then had the credit agencies flag my account as identity theft. I filed a report with the FTC, and also put a credit freeze on with the 3 agencies. Whomever opened this account with XXXX XXXX, should not have been able to do so, seeing that my credit was frozen and flagged from the identity theft in XX/XX/XXXX. I disputed the account with the credit agencies, submitted a fraud affidavit with XXXX XXXX, filed a report with the FTC. Spend a small sum of money and alot of time trying to straighten this out, and they are telling me it will take 6 weeks to investigate. This will cost me hundreds, if not thousands in interest for my home loan. With all the safeguards I put in place in XX/XX/XXXX, this account should never have been opened, if only XXXX XXXX had tried to run my credit. I really need for this to be corrected asap.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-28
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. (PA)

They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees XXXX XXXX. They also reported this as a more than 30 days late payment. All evidence is in a PDF document that I will upload.
Consumer complaint received 2023-06-14
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-06-21
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 submitted a dispute for inaccurate history on XXXX XXXX account. XXXX XXXX did not provide proof of the " late payment history '' however the information stayed on my credit report.
Consumer complaint received 2023-06-14
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. (MD)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

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. 

I told the Transunion to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting.
Consumer complaint received 2019-12-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

To whom it may concern- I had an issue with the payoff of a Citizens One Bank XXXX term loan. My account was setup with monthly auto-payment and my last payment was due on XX/XX/2019. Citizens was unable to debit my account on the due date. I received an email on XX/XX/2019 stating that they were unable to process the payment. That same day I called to process a one time payment of {$50.00}. The next day I looked at my credit card statement and I had duplicate payments taken. I had completely paid off the loan and their system still debited my account after I made the one time payment. I have called Citizens Customer Service multiple times and I kindly asked for them to reverse the duplicate payment and it has been months with no refund. I am formally asking for my refund plus interest. It is important to note that the customer service representative said that this is an issue that impacts multiple borrowers and there is nothing they can do. In her words " I just have to wait ''. This has caused consumer harm. 

Thank you!
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I called Aidvantage on XX/XX/25 about receiving a XXXX refund on federal student loan payments made during COVID forbearance per the CARES act. The representative I spoke with told me I would be getting direct deposit refund in 2-4 weeks and that my balance would be re-instated within a few days. None of this has happened. Please help me.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.
Consumer complaint received 2023-06-14
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. (TX)

CFPB collection dispute complaint. 

OnXX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX 



I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Consumer complaint received 2023-03-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.