davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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. (NH)

Upon pulling a credit history from Transunion, I noticed repeated and unauthorized inquires against my credit file. I previously ( XX/XX/2014 or prior ) had applied for a payday loan and since have  ceased all activity with the company after settling and closing my account that same year. 

PROBLEM 1 : I contacted the company by various methods, email, phone, and customer service chat and notified them of these credit inquiries and asked them to stop / cease all activity and ( once again ) close my account. They stated there is no credit inquiry activity unless I am applying and they claim they're not pulling credit inquiries ( which is not true, obviously, see below ). I asked them when my last application was and they state it was over 5 years ago ( as expected ). 

They ( or their partners/associates ) are pulling reports 5+ times a year and they claim they are not. 

PROBLEM 2 : After being forced to assume there is an automated process involved that customer service supervisors are not aware of, I also asked them to cease all pre-approval efforts and I asked them to opt-out my name/email/phone numbers/addresses from all pre-approval efforts. For the record, I am opted out in my credit file for 5 years already, as well. Their response was that I am not in any opted in database but they marked me down anyway for removal after I pressed them and referred them to their own website and privacy and sharing to third party associates/partners policies which state I have the right to opt-out from. 

I spoke with 3 people, XXXX via chat, XXXX ( spelling ) via phone, and another person ( male, who transfered me to XXXX the supervisor via phone ). I also emailed customer XXXX regarding this matter and included the below information and request to cease all credit inquiry activities. I never agreed to repeated credit inquiries and I have not authorized any recent inquiries nor do I need their services. 

I can only assume either this is fraud, unlawful/unauthorized use of my personal credit file, and/or they are inept and do not know their own processes. Either way, I've asked them to cease all activity, but I do not believe they have done anything nor will they do anything to correct this issue based on the discussions I've had with them. They have been notified they do not have my permission to continue looking at my credit file and they have not had this permission since I closed my account 5+ years ago. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : TO ACQUIRE/SERVICE/INSURE ACCOUNT Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Permissible Purpose : XXXX XXXX  XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX. Account # XXXX Ending Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Ending Account # XXXX XXXX  XXXX Account # XXXX Ending Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2023-02-04
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: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2021-08-30
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: Chime Financial Inc (GA)

On XX/XX/2021 I contacted Chime in regards to a transaction in the amount of {$140.00} through the merchant XXXX XXXX XXXX  due to services/ goods not received. I was initially advised that I my case would be resolved within 30 days. However, upon reaching out to Chime on XX/XX/2021, the 70th day, I continued to receive automated responses regarding my claim with no attempt to resolve. On, XX/XX/2021 Chime contacted me stating the dispute had been denied due to no error on my card which was no relation to the nature of my dispute. They advised me that I could resubmit my dispute and wait 45 days for a decision. I am truly disappointed in the service received.
Consumer complaint received 2019-01-29
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. (GA)

I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, Experian, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AR)

When booking my stay with Marriott XXXX on my app and with physical brochures on site at the hotel, XXXX offered XXXX bonus points after I spend {$3000.00} and a {$250.00} E gift card received upon approval instantly to use for my stay or for future stays not only do I have the brochure physically I have screenshots from the day. My approval was given showing the gift card and disclaimers after I contacted the company Marriott. They told me that it was XXXX that provides the offer and I would need to contact them to receive faster service I contacted them the day XX/XX/XXXX ( same day as application and approval ) and did not receive a response until the XXXX of XXXX. I can provide all the proofs and documentation if needed I contacted the company a second time after receiving the response stating that they do not offer a {$250.00} E gift card I provided them with the proof as well. They seem to not care much about it and told me that is not something they offer.
Consumer complaint received 2023-02-04
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is reporting the following fraudulent information on my credit report. 

1. XXXX XXXX {$500.00}. 

This is not my account and is fraud.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XXXX was issued a payment from a customer for {$150.00} for a deposit on venmo. The customer stated couple hours later they wanted the money back so we issued a refund and included transaction # for previous transaction. The customer issued a charge back on XXXX thru XXXX XXXX XXXXXXXX for the {$150.00}. So venmo took out the {$150.00} from my account on XXXX. I contacted the customer to see why the chargeback was issued and they said it was in error and would contact the bank to cancel dispute. I gave all evidence to venmo and they sent a dispute to XXXX XXXXXXXX XXXX. I hadn't heard from venmo and reached out several times to venmo who claims the chargeback is still pending. I spoke with customer and XXXX XXXX  XXXX both who verified the chargeback was canceled on XXXX and finalized on XXXX and sent to venmo. Venmo has yet to release the funds they took from me almost 40 days AFTER the chargeback has been withdrawn. I issued a bbb complaint on XXXX XXXXXXXX XXXX and venmo which XXXX XXXXXXXX XXXX called to confirm it has been canceled. Venmo has yet to respond to the bbb. I called venmo several times and get a different reason why the money hasn't been returned or that there is another step to the process that has to be completed before they will give money back!
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, as I was moving into my XXXX XXXX and generally overwhelmed, I received a text asking to respond yes/no if I'd used my debit card. I responded no, and then my phone rang with a very professional welcome from 'Bank of America XXXX, and offer to rectify the issue. Unfortunately, distracted by all that was happening in my first hours in a XXXX XXXX at a XXXX XXXX, I followed the instructions of the alleged bank representative and used XXXX to wire $ 's 'to myself ' to resolve the issue. I met my parents within the hour and we efforted to undo what I had done - within an hour of my mistake, we were on the phone for almost an hour alerting the Bank of America fraud hotline of all the pertinent details, sharing texts and verifications of the transfer 'to myself ' along with the XXXX account where the $ 's were actually transferred. Bank of America was apologetic and said they would open an investigation, promising to send me an affidavit to chronicle the events. That affidavit was never sent, and I am now being told that an investigation will ensue that may take as long as 90 days with no promises of recovery of funds. I am devastated, as my entire savings from working this Summer appears to be gone. I am confused, as XXXX is a peer to peer bank controlled ( BoA, XXXX and XXXX XXXX ) and they were notified immediately of the suspicious activity. I am frustrated that the bank didn't act when I immediately brought this to their attention, and feel totally ignored by Bank of America. Please advise if there is anything that I can do, or whether you want any of the text trail from XX/XX/21 with the criminal. Devastated, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NBT BANCORP INC. (HI)

Long story short.. NBT Bank partnering with XXXX XXXX and did not have a proper procedure to investigate or vetted a local solar company for licensing. They partnering with an UNLICENSED solar company name XXXX XXXX XXXX  XXXX XXXX and put me in over $ XXXX loan and the solar systems in INOPERATABLE but they want me to pay for the loan? I filed a complaint with State of Hawaii Department of Consumer Protection and they investigate that this XXXX company does not have license to install solar and also that company hire unlicensed contractors to install solar for both of my properties. Fast forward, the state investigator told me that I do not have to pay until the system is operational or at least pass and closed out the permits with the state. I email them multiple times but they only extending my loan and now they report it to my credit report that I did not pay. This causing a tremendous negative impact on me as I am in the middle of applying for a mortgage for my investment property. Please see attachments.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc. (GA)

I applied for an apartment at XXXX XXXX. I paid the required application fee. A few weeks later I was notified that my bank frauded the amount out because they assumed it was fraud. I immediately had them to reverse the charges and send that payment back to XXXX XXXX. I received a credit alert stating they had sent this information over to collections and it now on my credit under National Credit Systems pending payment. This is inaccurate reporting information since I paid them. I have even reached out to the collection department and also sent them a copy of the documents. Please see attachment below.
Consumer complaint received 2021-08-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My home was in foreclosure and I had the loan modified with a lower payment. I have not missed a payment since this modification was completed 4 years ago. I was unaware at the time this modification was adjustable. The mortgage was then sold to another company and then sold a 2nd time. Rushmore management services is now the company that holds my mortgage and they have raised my interest rate from 4.94 % to 5.875 % during a worldwide pandemic where people are having difficulty making payments on their homes! I was advised this was due to current market rates. The rates have dropped to 3.1 % -3.4 % yet they are raising me to an amount I will now have difficulty making payments and Im in fear of my home going back into foreclosure. They have been unwilling to help me in this matter
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (FL)

On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-30
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. (GA)

This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and Equifax, who will not update the status either.
Consumer complaint received 2019-12-05
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. (OK)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (MD)

On XX/XX/2021 I initiated a transfer of XXXX XXXX ( ( ~ {$15000.00} worth of the digital asset Binance XXXX ) from my personal digital wallet to the BinanceXXXX account wallet in order to sell the currency for cash. 

My personal wallet had two options for selecting which blockchain to use. I accidentally sent the XXXX assets via " Binance XXXX XXXX '' instead of " Binance XXXX, '' a confusing process which is not clarified on their website. The assets were not sent to my BinanceXXXX XXXX as expected, but instead went to a different wallet. 

Here is the Ethereum transaction ID which shows that the assets were sent to " XXXX XXXX XXXX '' which is an administrative wallet owned by BinanceXXXX. 
XXXX I immediately opened up a support ticket with BinanceXXXX to explain the issue and I provided them with the information and confirmation video/screenshots at their request. They said my issue would be eventually resolved and my assets would be credited back to my wallet, but it has been over 4 months and no resolution. 

Throughout this time I reached out via email multiple times, and multiple social media platforms. Support reps have said to me multiple that my issue was " escalated, '' but nothing has come from it.
Consumer complaint received 2019-12-05
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)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid off XXXX  XXXX XXXX  thur a collection company. I had a XXXX balance and now im showing a balance of XXXX on a credit card with XXXX limit. does not make sense. XXXX  XXXX is a rip off.