davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These inquiries were not approved by me and I strongly suspect their legitimacy. I beseech you to conduct a meticulous investigation and promptly erase them from my credit dossier. I have provided relevant documentation for your perusal.
Consumer complaint received 2023-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (TX)

I have like {$2000.00} on my chime account and got incarcerated for two years I was trying to gain access to my account in jail but my account was locked until I can prove my identity but I have sent chime every document that has been asked of me and the only thing they can say to me is send documents that I have been told they have received and I dont know what else to do so I can get my money can you please help me thanks
Consumer complaint received 2020-09-27
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. (NC)

I've tried reaching out to XXXX XXXX XXXX Credit Card Services due to information not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I opened a new checking account with Bank of America. I had earlier received a targeted mailing offering a {$300.00} new account bonus. The sole requirement for receiving this bonus was to set up and receive qualifying direct deposits of {$4000.00} or more in the new account within 90 days of account opening. I received direct deposits on XX/XX/2020 and XX/XX/2020 whose total exceeded {$4000.00}. The offer stated that the bonus would be deposited within 60 days of completing the requirement. Hence, I should have received the bonus by XX/XX/2020, but I never did. 

I have reached out to BoA multiple times since that date but the bonus remains unpaid. My best understanding from these conversations is that BoA 's system failed to recognize the incoming transfers as " qualifying direct deposits ''. To be clear, the deposits represent my regular income, namely the XXXX money I receive from XXXX  XXXX & XXXX XXXX  ( disbursed by XXXX XXXX as a direct deposit ) in support of my position as a graduate student, and are therefore " qualifying direct deposits '' as the offer defines them. I have indicated the source of the deposits to BoA multiple times. 

It is understandable, with many employers and payroll processors in use, that BoA 's system might sometimes misidentify direct deposits. However, given the long time elapsed since the bonus was due, even after I brought the error to their attention, I believe that BoA is unwilling to resolve the error in good faith, and that is why I am making this complaint.
Consumer complaint received 2020-09-26
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX  XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX  XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX Balance : {$0.00} 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 ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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. (TX)

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP (NY)

Key bank froze my account for a purchase I made of XXXX XXXX Its been a week of me calling, messaging and emailing and I've gotten no help I've spoke to a supervisor who told me to just cross my fingers that I don't get disconnected agian. It takes 1 hour 45 min to get to a live person then they transferr me and within 40 min the line disconnects This has happened 15 different times. I don't know what to do. I want my money transferred out of key bank and put into my other bank. I don't see how this is legal to. Hold someone's money and offer no help. Please help me
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (KY)

I have several issues to report. I never went by the names of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX. I never lived in XXXX, KY at XXXX XXXX XXXX. The XXXX XXXX XXXX account that is being handled by XXXX XXXX XXXX for {$150.00} I have the equipment that needs to be turned in. Account # XXXX. Was opened XXXX XXXX. The account XXXX XXXX XXXX XXXX opened XXXX XXXX for XXXX XXXX XXXX XXXX the amount of {$270.00}, # XXXX is not mine. I never received this service. Credence Resource Mana for XXXX-XXXX  in the amount of {$150.00}, account # XXXX opened XXXX XXXX I'm assuming is for the XXXX XXXX XXXX bill so I don't know why it's on my credit report twice. My address is XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX so you can mail me any paperwork that I need to fill out. Thank you very much! 
XXXX XXXX
Consumer complaint received 2024-01-17
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-10
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. (CA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

There are monthly XXXX fees accessed by Chase for balance minimums. It is not clear this XXXX limit will be maintained in the interim. That said, reached out to Chase customer support about an online profile feature. 

Which hides all account information once logged onto the online Chase account. Chase agreed to investigate and offer feedback. No feedback was provided. It is preferred to continue the relationship with Chase. But, they ( Chase ) offered no status on the unexplained account profile changes. 

I believe it was XX/XX/2020. 

I do not plan on leaving Chase. But, items are mounting.
Consumer complaint received 2020-10-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hi, This company Portfolio Recovery continues to report to all 3 credit bureaus that I owe a debt that does not belong to me.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They continue to send me letters stating that they verified these debts as being accurate and that again is not correct. I have asked Portfolio Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they continue to send me letters stating they received electronic files from the company 's of these debts that they have bought. again they have sent me a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Again Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with Portfolio Recovery 1. ) {$1800.00}, shows opened on XX/XX/XXXX, 2. ) {$2100.00} opened on XX/XX/XXXX. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX County that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately. I have sent this information before, the FTC did not show all three of these accounts on the documents that were sent prior, I have went back and had them send me a updated file so that this company can see all of the accounts that are fraudulent with your company, you have agreed to remove one, but these 2 still remain. Again you claim you verified all this information is me and that is my SSN that was provided when an account was opened, this information is fraudulent, I am working with Law enforcement, and the Federal Trade commission to clear these things which show under my name because I am a Identity theft victim and I want these items removed immediately. Attached your will find my Federal Trade Commission report # XXXX and again my case number filed with the Police Department under Identity Theft is XXXX
Consumer complaint received 2020-10-04
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. (NY)

Experian has not followed FCRA 15 U.S. Code 1681g -  Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.
Consumer complaint received 2020-10-05
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. (OH)

See enclosed certified documents from the account in dispute ( XXXX XXXX ). This lender 's documentation confirms that the balance and payment history can not be validated. Note lender admits that the documentation for payment history does not align with dates of payment, as stated on page 1, paragraph 4 from XXXX XXXX. Furthermore, page 3 of the document from XXXX XXXX shows payments in XXXX, XXXX, XXXX, and XXXX of 2020, page 6 shows payments for only XXXX and XXXX of 2020 ; my credit report shows " Negative '' payment history for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020. However, actual payments were made in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of 2020 by the primary account holder. Obviously, as XXXX XXXX admits, the payment history does not align with documentation. According to federal law, the consumer is not responsible to maintain the appropriate records for payment history and balance. This is the responsibility of the lender. To comply with the Fair Credit Reporting Act, the account should be removed from my credit report since the account information can not be verified.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been trying to unfreeze my account for over a year and after sending more than enough information to verify who I am to XXXX, GA. They still have my account frozen. I do not want this company ever doing anything to my account again. The freeze that I put on there was only meant to be temporary. The information was sent certified priority mail. I am a XXXX vet and I do not have the extra income to keep mailing EQUIFAX redundantly about unfreezing my account. No one attempting to access someone elses account would be going through these measures. 
I do not understand how the company could allow data breaches but I the actual account owner can't manage or control my own credit report. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (MI)

This is my Follow up complaints in my request dated XXXX XXXX that I have tried to resolve the issue regarding the account in my credit report. However until now I do not received any responses about my complaints. The account is listed below : XXXX XXXX XXXX : {$82000.00}
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IL)

I applied for Chase IHG card. I was turned down. I called for reconsideration twice. The same person handled my call. I was turned down for nonsense reasons. I felt that I was being discriminated against by that agent. I applied for a similar card at XXXX and was instantly approved. Which proves to me that Chase was just discriminating! Please be aware that I have been a customer of Chase for 43 years. They have my 1st and 2nd mortgages, checking account and credit cards.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-04
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. (NY)

On XX/XX/2020 I sent a certified letter to XXXX XXXX requesting XXXX XXXX provide me with name of company or persons information that they verified with to determined the validity of there investigation. FCRA 15 U.S. Code 1681g - Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.
Consumer complaint received 2024-03-20
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX, Whose address is XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt