davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. This inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 






under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

During the COVID-19 crisis on XX/XX/20, an automatic ACH payment on my Amex Card from XXXX XXXX was showing as pending on my XXXX account. I immediately transferred the money from my XXXX line of credit to my operating account on the same day as the transfer. However, XXXX denied the amex payment and Amex had to represent the aCH payment on the next business day. The payment was then processed on that next business day and Amex immediately got their money. However, Amex is insisting on charging a {$39.00} fee, and made me spend over an hour arguing with it while they repeatedly apologized and passed the buck. At the end of the call though, they still refused to credit me the {$39.00} and just wasted over an hour acting like they might and passing the call to others.
Consumer complaint received 2020-04-14
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX   violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX  I filed a purchase protection claim with Chase Bank. The credit card is Chase Sapphire Reserve. The claim amount is {$2400.00}. My claim number is XXXX. 

The bank intentionally delayed the reimbursement process, and their agents gave me misleading information during our conversations. Please see more details below. 

I have already provided all the documents listed on their website. However, they asked for additional documents. To assist them in making a decision, I immediately provided the additional documents they requested. However, after one week, they contacted me again and asked for further additional documents. Again, I provided them with the documents they requested. After another week, they asked for more documents. Moreover, they repeatedly asked for the same documents which I had already provided to them. Finally, their agent told me he thought the documents were good enough and that my case should be approved by the examiner within 24 hours. 

However, my case is still pending. I had to contact them again. Now, they have informed me that the examiner may require more additional documents to make a decision. 

Overall, they delayed my case by repeatedly asking for the same documents they already had, requesting additional documents ( which are not required by their policies ), and giving me inconsistent information.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2023-01-06
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)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

1

5 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 an account without my written instructions. 

Accounts : 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 2023-01-06
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: DISCOVER BANK (NY)

Discover Card offered a " rate '' to check on their website and claimed it won't affect my credit score. I put in all the information to check the rate. After pressing " check now '' it created a credit card in my name without my approval or consent. 

I have reached out to Discover and they are not willing to close the account and remove the inquiry.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX says I got service in XX/XX/XXXX at a address that I do not live at and now owe a collection of {$430.00}. I have been living in the same house since XXXX. Asked for a signed contract and they could not provide one.
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (NY)

I have listed on my credit report two accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success
Consumer complaint received 2020-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (WA)

I WAS IN THE PROCESS OF RE-FINANCING MY HOME AND NEEDED TO PAY OFF MY DEBTS AS PART OF THE DEAL. THE ESCROW COMPANY SENT OUT PAYMENTS TO MY DEBTORS WHEN LOAN WAS PROCESSED. ONE OF MY DEBTORS, DCI, I OWED XXXX FOR AN OLD XXXX XXXX. I SPOKE TO DCI AND MADE PAYMENT ARRANGEMENT WITH THEM TO SETTLE FOR {$650.00}, WHICH I HAVE IN WRITING ON XX/XX/XXXX. THE LOAN PROCESSED THE VERY NEXT DAY AND THE COLLECTION COMPANY DCI WAS SENT THE ORIGINAL XXXX OF {$1400.00}. ON XX/XX/XXXX I CONTACTED DCI AND EXPLAINED MISTAKE AND REQUESTED A REFUND. THERE WAS NO RESPONSE FROM DCI AND I REQUESTED A REFUND AGAIN ON XX/XX/XXXX. I GOT NO RESPONSE. I REQUESTED A REFUND AGAIN ON XXXX WITH NO RESPONSE.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report 1 of 2 XXXX XXXX  - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened the U.S.Bank checking account with promo code XXXX on XX/XX/2020. The advertisement ( Attached # 1 ) from the bank says to receive {$300.00} bonus, you will need to make at least two direct deposits that total {$2000.00} or more within 60 days of account opening and set up online account. I set up the online account and had two direct deposits with {$2300.00}, {$1000.00} and {$1600.00} respectively within 60 days. 

I emailed the U.S. Bank on XX/XX/2020 to inquire about the bonus, and received a reply on XX/XX/2020 from XXXX XXXX saying the bonus is still coming, my friend ( Attached # 2 ). 

On XX/XX/2020, I received a check from U.S. Bank in mail for {$4900.00}. I found myself no longer have access to the online account. I called the local U.S.Bank branch and talk with XXXX. She told me the account was closed by the bank and she had no idea what happened.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (WI)

My loans are part of the Income-Driven Repayment plan. I received confirmation that my renewal for this plan was approved on XX/XX/XXXX. I could not get information of what the required payment actually would be until XX/XX/XXXX. There is no reason that information could not be made available sooner to help plan for increased payments. My monthly payment increases by {$230.00} and is due XX/XX/XXXX. That is a 50  % increase to adjust for within one payment cycle. It is very difficult to replan finances in that high amount within 4 weeks and is very frustrating knowing that information could have been made available when Navient knew it months prior but withheld.
Consumer complaint received 2020-08-04
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I tried to open an checking account at XXXX and they denied me due to wrong information on my account. They said I had a negative reporting from XXXX. I have never done business with XXXX. This is fraudulently on my account. How do I get this off of my information. The entity showing this on my profile is called Chexsystems.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (KY)

I had opened an account with Truist and made he qualifying deposits to receive a {$300.00} bonus. They claimed I was not eligible but under the reasons for forfeiture there was not one that applied to me.

Reasons were : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being deposited, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.

None of these things applied to me but they still refused to pay the bonus.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am being taken advantage of as a consumer by ChexSystems. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (NY)

I OPENED AN ACCOUNT WITH DISCOVER CREDIT CARD AROUND XX/XX/2020. I REQUESTED A BALANCE TRANSFER OF {$8700.00} TO MY CHECKING ACCOUNT AT XXXX. DUE TO THEIR TYPO ERROR, THEY TRANSFERRED THE BALANCE TO ANOTHER ACCOUNT. I CALLED THEM TWICE ON XX/XX/XXXX AND XXXX TO RESOLVED THIS ISSUE AND THEY HASN'T PUT THE DISPUTE UP TODAY.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (MI)

I moved in XX/XX/XXXX and canceled my XXXX  service to the old address, returned the equipment and paid the amount due after we had moved into the new house. I do not have their service at my new residence so have not had business with XXXX since. 

In XX/XX/XXXX I had XXXX XXXX XXXX place a collections account of {$150.00} on my account from XXXX. I received a call from a collections agent and asked for information of what this balance was for and never heard back. I tried to dispute this with Equifax on XXXX of XXXX and again in XXXX of XXXX which it was not removed. I have spent many hours on the phone with representatives from XXXX trying to figure out what these charges were for and why I never heard about them until there was a collections account on my credit report. I have never received a breakdown of what they were charging me {$150.00} for, over 3 years since I had XXXX  service. 

In XX/XX/XXXX I spoke with someone in XXXX collection department over the phone who suggested I go to one of the XXXX retail locations because they can access account information he could not. I went to the XXXX Michigan location and spoke with an associate that said because the account is so old she could not see what the charges were for but assured me it happens all the time. She offered the number to the collections department that I had just spoke to that instructed me they could not get the information. Her other option was to pay the {$150.00} to XXXX at that location and promised that the collections account would be removed from my credit report. At this point I can only assume it was a bogus charge but I paid XXXX just to be done. 

XXXX XXXX placed the account as paid although there was no payment to XXXX. I was assured that XXXX was instructong the collections agency to remove the account. Neither XXXX  or XXXX  could show me where the charge was coming from and what it was for. I agreed to pay XXXX their bogus charge that they could not prove for them to have XXXX XXXX remove the bogus account from my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

bank America credit card account ending XXXX was accepted to a debt management program with XXXX on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME XXXX & if requested can send it via email.
Consumer complaint received 2021-07-28
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. (AZ)

i have unauthorized fraudulent inquires on my report i called and mailed disputed and have no results fraudulent inquires still remain on report Name Requested On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX