davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (MD)

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

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

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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-06
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. (VA)

In Accordance with the fair credit Reporting act XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

My Citibank account was hacked into. I was never notified of any changes to my number on my account and they released a wire transfer of thousands of dollars to the fraudster. They will not issue me a temporary refund while the investigation is going on. They let my entire bank get wiped clean because of negligence and it left me and my children with not a dollar.
Consumer complaint received 2022-12-14
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: EQUIFAX, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX XXXX  XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-06
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: SYNCHRONY FINANCIAL (TX)

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (NJ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-06
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. (NJ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX  - Account # XXXX, 2. XXXX XXXX XXXX XXXX  - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX XXXX XXXX XXXX - Account # XXXX 5. No Name Provided - Account # XXXX 6. No Name Provided - Account # XXXX 7. No Name Provided - Account # XXXX 8. XXXX XXXX XXXX XXXX  - Account # XXXX 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-25
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. (TX)

XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  have reached the statute of limitations and should be removed from my credit report. 

The XXXXXXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXX ), XXXX XXXX  ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX  account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-15
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. (AZ)

I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : During early and mid XXXX of 2022, I used various XXXX payment applications ( XXXX XXXX, XXXX, XXXX ) to pay various parties ( XXXX XXXX for merchandise I was trying to buy. Despite using the XXXX payment applications, payment was always made through my Chase Visa Debit Card. Subsequent to payments, XXXX would claim that their XXXX application account was locked out due to suspicious activity, therefore unable to access funds sent to them. As a result, XXXX did not ship out merchandise and recommended I file a claim with my bank to get my money back. 

I called Chase Bank customer claims to open disputes explaining to various agents my situation. They opened claims for me, but eventually ruled the claims not in my favor stating that the payment was made through XXXX payment applications. I tried appealing and reopening my cases by faxing proof to the claims department that I paid for merchandise that I never received. Proof included chat logs with XXXX discussed merchandise to be purchased, pictures of payment receipt, XXXX claiming XXXX application being locked out, then confirming they will not ship out merchandise and advised I try to recover my money through the bank. 

Despite providing this proof, Chase has ruled not in my favor again for my reopened claims and stated that there is nothing more they can do to help me. Below is a list of my claims that were not ruled in my favor. Any help or further investigation would be greatly appreciated as it has been stressful dealing with Chase bank and I feel like Im not getting the help, attention, nor service I need. 

-Claim XXXX : Filed XX/XX/2022. Description : XXXX XXXX XXXX XXXX XXXX Amount : {$500.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3000.00}. Chase Claim Reference number : # XXXX -Claim XXXX : Filed XX/XX/2022. Description : XXXX. Amount : {$3100.00}. Chase Claim Reference number : # XXXX
Consumer complaint received 2016-12-19
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (VA)

After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Continental Services Group, Inc. d/b/a ConServe (MT)

Keeps calling me at XXXX XXXX. Even though I told them its XXXX XXXX in Alaska. 
Company representatives just go silent after I say I will complain but do it again next day. 
Conserve XXXX ( XXXX ) XXXX is number they are calling from
Consumer complaint received 2022-12-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-05-29
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. (CA)

The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
Consumer complaint received 2023-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (MO)

Sun Loan Company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX reports to XXXX and XXXX. They have different information on each bureau. 

I originally tried to dispute the issues with each bureau and each claim to have verified the information. 

XXXX has the status as " Closed '' as of XX/XX/23. XXXX has the status as " 90 days late '' as of XX/XX/23. 
I have tried to correct this issue with both and then got my credit report to verify. No changes were apparent. 
A copy of each report is included here. At least one is in correct and I believe both to be erroneous.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I just got off the phone at XXXX XXXX  PacificTime with staff-members from TRANSUNION in Pennsylvania, over talks about how a fraud account has reappeared on my report months AFTER deletion pursuant to letters i initiated explaining that it doesn't belong to me. I was trying to get help with understanding why i was stripped of my FCRA rights during their reinvestigation proceedings, i was NOT sent any written notification within 5 business days of reinsertion, which is a FCRA LAW the reporting agency TRANSUNION did NOT abide by. I was suppose to of been sent a description of how they went about their procedures determining how this fraud item was all of a sudden accurate. 
Here is the dispute case # of when this item was removed from my report : XXXX Item was marked as fraud and removed by TRANSUNION in XXXX XXXX The staff-member today told me it was then later reinserted in XXXX but under what premises was this necessary and lawful? Where was the consumers notification in this unnecessary action? Not lawful and Nowhere! This is TRANSUNIONS mess up they need to clean up! Asap, they are endangering consumers livelihoods with such costly mistakes.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Ive reached out to XXXX  several time regarding interest charges. These are fixed rate loans but my interest payment continues to increase over the last 4 months. I have also emailed them regarding the fact that even after payments are made on their website, the account summary continually states that the payment is overdue. In most cases, the money is out of my account and they still show unpaid for several days. I believe it is so they can collect more interest. Customer service NEVER replies to my emails.
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OH)

In XX/XX/2022, I obtained a loan from my bank to buy my leased vehicle at the end of the lease. The lease was formerly financed through Hyundai Motor Finance. On XX/XX/2022, my bank completed the purchase of the vehicle. The paperwork sent to Hyundai included a POA assigning my bank the right to take title so they could record the title and perfect a lien for securing the loan. The final pay off amount for the vehicle was {$24000.00}. As required by Hyundai the final payment amount to Hyundai also included sales tax. Total payments made to Hyundai in certified checks were {$27000.00}. 

Hyundai has not requested the issuance of new title and has for the past 5 months and despited repeated calls- well over a dozen - from me and my bank representatives, Hyundai has repeatedly lied to me and my lender about issuance of title. The state title division has confirmed that no request for new title has been made by Hyundai or any other entity. Title is still listing Hyundai as owner. In addition, Hyundai Motor Finance had fraudulently retained the amounts paid for sales tax and has not paid the sales tax as require by law. My bank has stated I may be considered in default on my loan even though all payments have been made and will continue to be made. I am not able to register the vehicle.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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