davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-02-28
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)

Company - TransUnion, XXXX This is not the first time this has ever happened. In 2017, I filed a complaint against them with XXXX XXXX XXXX. Because of this, they upped my credit score. I just dont understand how I have XXXX credit scores with the other 2 but always had XXXX or XXXX with TransUnion. 

I pay off my credit card in full every month but for some reason, TransUnion always make sure to lower my credit score every time I use my credit card. I have a credit limit of {$47000.00} per transunions explanation. I used {$4600.00} to buy something to take advantage of credit card points I get back. Because I dont like paying interest on my cards, I make sure I pay off the debts once they are due. I have proof that I always pay my debts off. I dont understand how I have XXXX credit score with the other 2 credit bureaus and yet, with TransUnion, I always get low scores. As soon as I use my card, the next day, Transunion already lowers my credit score without waiting for the billing cycle. I am not sure why they would do that. This is racial discrimination because of my last name. I do not see any other reasoning or explanation. 

I would like to file a formal complaint against TransUnion, XXXX and I am willing to show years of proof to show how this has been an ongoing issue with them and they have been racially biased.
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Trident Asset Management, L.L.C. (CA)

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. TRIDENT ASSET MANAGEMENT XXXX has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with TRIDENT ASSET MANAGEMENT XXXX, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting TRIDENT ASSET MANAGEMENT XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: PlusFour, Inc (CA)

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. PLUSFOUR INC has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with PLUSFOUR INC, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting PLUSFOUR INC delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Consumer complaint received 2022-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing regarding a dispute that I filed with my Capital One XXXX card. I feel that the investigation regarding my dispute was not handled properly. I did not receive my refund for two items that were returned to the merchant ( XXXX ). 
I was able to provide evidence that the items were picked up per XXXX request and returned to them, by XXXX. I provided them with chat transcripts. They listened to a phone conversation I had with XXXX. I offered to show them video footage of the items being delivered and picked up. I had to do the investigation. I kept being asked to provide things that I have no control over to provide. Every time I gave them something, they asked for something that did not make sense. They never attempted to contact the merchant to show them the tracking information and the delivery. They did not follow up with XXXX  to ask about their procedures. They would not accept any of my recordings. The only thing they said they did was sent XXXX the information and request a response. The response was a short sentence. The items arrived fine is basically what was sent to me. They knew that information to be wrong based on the chat that I sent them. The initial problem was getting the items picked up. They kept scheduling times when I was not home, but I saw no indication that anyone came. After the items were actually picked up, XXXX never contacted them again. 

The last person I spoke with was a supervisor. I requested to be contacted by someone over him. That did not happen. This person kept me on the phone insisting that I was suppose to provide a letter from a similar company stating my items were not the correct items, despite the fact that the items were sent back and its virtually impossible to ask a reputable company to get involved with something they know nothing about. It seemed very strange. He finally admitted that I did provide the last information that was requested. He still refused to help me stating he had to follow policy, which was to request the letter from another store. This information was irrelevant anyway, as XXXX had already got the items picked up and the items in question were never even opened. 
I do not understand if I sent the items back on XX/XX/2021, per XXXX request, and have proof that the items were sent back, why wouldnt the credit card company contact XXXX again, to get the problem resolved. I should not have to pay for something that was sent back to the company, per their request.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (UT)

I was charged minimum balance fees on XX/XX/2022 and again on XX/XX/2022. I went Chase Bank branch next to me and requested for a courtesy waiver. The teller said it should be no problem to give a courtesy waiver ; but there was no banker available due to COVID-19. I was told to come back in six weeks when the banker could see me the earliest. So I did. Same suggestion was given because there was no banker available due to COVID-19. For some weeks, the entire branch was closed except for driving thru service. after the lobby service reopened, I tried several more times. Same thing repeated. Finally I contacted the head quarter of the bank and was told it has been too long since the charges, and the bank can't honor the request.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AL)

I was first contacted by Transworld Systems INC with mail dated on XX/XX/2022 but was not received until XX/XX/2022. This initial letter was about an apparent debt that they had purchased and was due for collection. They had given me until XX/XX/2022 to dispute this claim by mail or phone call. I had called multiple times in order to dispute this and out of the 12 times I tried calling, only once was I able to reach someone who could talk about this debt. I was being told by every representative that they did not have authorization to view this debt and had no idea how to help me. 

On XX/XX/2022, I was finally able to reach someone and submit a verification to validate this debt. I recorded this phonecall but I am unable to upload it for validation due to it's filesize. I have an archived copy that can be submitted upon request. I had then received a letter from Transworld Systems INC dated XX/XX/2022, that they were going to submit this debt up for collection and file it with all the credit bureaus with no regard to my debt validation request. I then submitted, via certified USPS mail, a formal debt validation request using the CFPB debt validation request letter format. This letter was dated on XX/XX/2022 and was certified received on XX/XX/2022. 

Transworld Systems is not well outside of the 30 day requirement to validate this debt with my request.
Consumer complaint received 2022-05-05
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: ENCORE CAPITAL GROUP INC. (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC (NY)

On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. 
I didnt get any response from them and they did not remove this claim from my credit file
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (CA)

Viking Client Services ( VCS ) contacted me on XX/XX/XXXX for vehicle damages incurred on XX/XX/XXXX, three years after the fact. VCS requested " {$850.00} '' in reimbursement yet none of the supporting documents ( see attached ) indicated how or where the amount was derived from. 

Additionally, any vehicle with a current Florida registration must : be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of {$10000.00} in PIP AND a minimum of {$10000.00} in PDL. Vehicles registered as taxis must carry bodily injury liability ( BIL ) coverage of {$120000.00} per person, {$250000.00} per occurrence and {$50000.00} for ( PDL ) coverage. See Florida Statutes XXXX. The amount requested is covered within the required state policy. 

This is a nefarious attempt by VCS to extort unwarranted money.
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

i am filing this complaint based on current harrassment by citimortgage, since i refinanced my loan last year. they continously call me numerous times each month if i have n't paid my mortgage on the first day, although my payment is n't late and has n't went pass the late date, i have inquired as to why they are calling me and my payment is n't late nor have i been late and have asked them to cease, but to no avail. i strongly believe that i am being harrassed based on utilizing your services last year to help me resolve the unnecessary actions they were implementing on me with my refinance. i am also questioning why they have yet to send a copy of the deed of trust upon completion of the refi.your assistance in this matter would be greatly appreciated.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

This Credit Report Bureau failed to show in my credit report account the permanent closing of the following credit cards accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 

I have contacted this agency many times this month but my credit report shows having credit with all of the above names which is incorrect.
Consumer complaint received 2024-03-08
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)

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 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 XXXX 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 2022-05-05
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. (CA)

Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I bank with HSBC which is now XXXX XXXX  effective XX/XX/XXXX. on XX/XX/XXXX I received an alert from XXXX alerting that I spent an unusual amount of money. When I logged my online Banking with HSBC, My account was overdrawn by {$3700.00}. I notice multiple small electronic Transfers from a Merchant named XXXX-Bill pay . my balance on XX/XX/XXXX was XXXX, somehow this merchant that I didn't recognized manage to steal all the money that I had in my checking Plus overdraft my account by {$3700.00}, I don't have overdraft protection and haven't overdraft my account in 7yrs. when I looked XXXX appears looked like XXXX. When I called XXXX their fraud department informed me that XXXX is not them to contact my Bank report these fraudulent charges. I called HSBC on XX/XX/XXXX and spoke to the fraud department and reported the fraudulent activities on my account. HSBC didn't block this merchant and/or my account until XX/XX/XXXX, which resulted into overdraft amount of {$5600.00}. I was assured by HSBS that they would conclude the fraud investigation before the merger and I should get my money back. on XX/XX/XXXX when I notice HSBC didn't refund my money I called HSBC, after 1hr wait, the rep that I spoke to told me the person working on my fraud case is not available. on XX/XX/XXXX when HSBC changed to XXXX bank, I went in person to a XXXX bank to find out the status of the fraud investigation. I was told that HSBC never forwarded or alerted XXXX bank that I had an open fraud case prior to the change. XXXX bank told me to contact HSBC and also I'm not the only former HSBC customer who walked into a XXXX XXXX that were victim of Hacking or electronic fraud right before HSBC the changed to XXXX bank. The branch Manager at the XXXX  ban even admitted to me that during the merger that fraud department at HSBC were not doing their job. he advised me to keep trying to reach HSBC. when I call HSBC their automated system tells me to call XXXX. when I call XXXX  they tell me to call HSBC. I had direct Deposit and before i could stop my direct Deposit, the HSBC/XXXX bank kept my paycheck from work to cover the overdraft on my account. I have incurred late fees because I am not able to pay my bills. I have had to use my credit card to buy gas and food my special needs child. I even received letter dated XX/XX/XXXX and XX/XX/XXXX from HSBC informing that my account is overdraft. My account is overdraft not by be but because HSBC allowed this to happen. I don't have enough money to hire a lawyer to help recoup my money. I just need help to get HSBC/XXXX bank to do the right thing and refund these fraudulent charges.
Consumer complaint received 2024-03-08
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)

After reviewing my consumer report, I noticed that I had some late payments on an account that I was never late for. The consumer reporting agencies have played a very important role and have the ability to report consumer information as accurately as passible. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing me where these payments were late. If proof can not be established, I demand that these payments be updated to on time as they should be because I was never late I have also attached a screenshot of the dates of XX/XX/2023 showing my payments being 60days late. How are my payments 60 days late but the previous month on XX/XX/2023 my payments were marked on time.

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency.
Consumer complaint received 2023-02-22
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. (GA)

im in the process of trying to purchase a home for me and my family and i noticed these inquiries and i sent a certified letter in XX/XX/2022 to transunion for these items to be removed and nothing has happened, i am happy to provide any tracking information.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.
Consumer complaint received 2024-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence. 

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for XXXX XXXX now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.
Consumer complaint received 2023-04-07
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. (IL)

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consolidated Information Services Solutions, LLC (AR)

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for and purpose