davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (GA)

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  has violated my rights. 

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



15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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. (SC)

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 2023-12-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (WI)

True Accord supposedly tried to collect a debt on behalf on XXXX XXXX from over 4-5 years ago, but XXXX  has no record of turning over any debt collection to True Accord, nor did they say they even work with True Accord.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX  XXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-06-13
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. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-12-27
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I've been trying to use an American Express gift card that was given to me with plenty of money but almost all online transactions I tried to make have been declined. I was able to buy stuff online and in store at XXXX but now that I'm trying to make a different purchase it's being declined even though I have more than enough on the card. I called Amex today XX/XX/23 to see if there was any resolution but all they told me is I can't use it at XXXX anymore and to try at a different retailer. Very unhelpful and I have a lot of money that's still locked in the gift card.
Consumer complaint received 2023-06-13
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. (TN)

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 U.S.C 1681. XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. INQUIRIES that doesnt belongs on credit report. ( 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 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

My account was hacked at chase my identity was stolen and being used, someone reverse payments to every bill I had ever made using a bad check that chase did not verify, This happened on XX/XX/2023, chase did not do any verification the day of the incident, chase gave them everything, I made fraud reports, police report etcAm now in the hole and I have been paying back money that I already paid, chase didnt protect my account or money, chase closed my account and took all money including the money they gave away, and told me my account is closed and they is nothing they can do and they will not refund my money back, because they gave the credit to whoever hacked my account, I have proof of everything along with the person who hacked my account, am behind on my mortgage and bills because of being hacked and fraud, I blame chase for this and they should pay me back every single thing they gave away they failed to stop the fraud and they failed to stop to bogus check that was used to hack my account. What must I do or what can I do to get my money back from chase they are refusing to refund me and has closed my account due to me being fraud how is this even possible, I did nothing wrong.
Consumer complaint received 2023-12-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Compass Recovery Group, LLC (AZ)

I originally reached out to figure out a way to start making payments when I got money, that was a week ago on XX/XX/XXXX. They reached out today XX/XX/XXXX asking why I havent yet I informed them I havent been paid yet due to holidays they said I was giving excuses and then they threatened legal action on me
Consumer complaint received 2023-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Contacting me multiple times per day through XX/XX/2023 into XXXX. Twice today on XXXX. 

I do not owe any medical debt. I do not go to the doctor as I am American and don't want rack up medical debt.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (TX)

My credit card was gotten by someone on internet, found out card was cancelled and now the company is going after me for charges someone else did. Told them card numbers were stolen even signed affidative to the fact, and they got my email and phone number now are harassing me for payment, This needs to stop,
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I am having an issue with my Citi bank account and their support staff has not been able to answer my questions satisfactorily. Citi has opened a second account for me without my knowledge and one account states that I owe {$2400.00} when I only made {$600.00} worth of purchases and paid my full balance from the previous month. Then there is another account stating I owe {$800.00} with no purchase information below the amount stated. When I contacted support about the issue they stated that they think it may be due to a Visa to Mastercard conversion and to ignore the {$2400.00} as though it is no big deal and that they will close the account ; however, what they did in not notifying me of this error is not right and still shows up as a balance for me to pay and could affect my credit score potentially. Then second, my credit payment is always due on the 3rd of every month so I pay accordingly to avoid any potential interest payments ; however, they continue to say I didn't pay the full amount by the date stated and roll over a few {$100.00} each time. I have photographic evidence to state what I mean and I want the issue resolved because it is costing me {$100.00} 's of dollars each month and it is putting me in more debt than I need to be than I am already in.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
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. (TN)

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 U.S.C 1681. The XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX department store acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

From XX/XX/2022 to XX/XX/2022, Citibank has reported an account past due to all 3 credit bureaus. Citibank has collected their payment on my bank account, and an in-person payment in-store at Macys. Upon contacting them, they offered to provide a refund which never happened. I proceeded to call my bank and dispute the transaction. Citibank then decided to report my account not paid following this without providing a refund and without notifying me of that even tho I paid them. Around XX/XX/2022, someone helped me identity the account being reported as late on my credit report. I contacted Citibank and make a full payment yet even tho they were already paid so they can fix their reporting. Up until now, no refund was provided and yet they ruined my credit with their false late payment as a tool of extortion. 

Macys and Citibank have put together to discriminate against me due to my race and my XXXX of speaking clearly. At one point, Macys and Citibank have defrauded me, then they are causing difficulties in obtaining any financial products.
Consumer complaint received 2023-05-25
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance XXXX {$4800.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a 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 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, Chase induced me into a bait and switch scheme when it invited me to apply for a pre-approved Saphire Chase Credit card with XXXX travel points off my Chase checking account website and then declined my credit card causing my credit to go from outstanding XXXX XXXX score ( was recently XXXX????? ) to Very Good and giving me a bad credit report. On XX/XX/2022 ( XXXX XXXX PST ), it took me more than an hour and XXXX separate phone calls to speak to someone at Chase about this -- this is all designed to deter complaints in what amounts to a sinister plot on the part of Chase ( and XXXX, et al ) to reduce my credit score with the credit agencies so they can control my life accordingly. 

I spoke with Chase representatives : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( responsive ) They would hang up without giving me a reference number so I could report these Chase Bank actions to the Feds. 

The generated complaint number is XXXX It's now XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-25
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: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I disputed hard inquiries on my Experian credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to XXXX  XXXX XXXX to remove the unauthorized inquiry. I then filed a CFPB complaint against Experian and XXXX  XXXX XXXX on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX Experian replied to my CFPB complaint file # XXXX, I was informed through Experian reply to contact the furnisher of the inquiry. Which I did. 

( XXXX  XXXX XXXX ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

XXXX  XXXX XXXX did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, Experian insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( XXXX  XXXX XXXX ) giving me the run around back to Experian that also did not investigate initially to see that XXXX XXXX XXXX can provide proof of consent according to FCRA laws.
Consumer complaint received 2023-06-13
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. (FL)

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 2019-12-03
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. (GA)

I have many erroneous and unverified items on my credit reports with XXXX, Experian, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.