davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$2500.00}. On XX/XX/XXXX {$720.00} on XX/XX/XXXX {$19.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$360.00} on XX/XX/XXXX {$720.00} on XX/XX/XXXX {$360.00}. When I tried to contact XXXX XXXX I was not able to find a contact phone number. I did find a website not in the USA and I did not find an account or any of my information. 

Several debit transactions were taken from my Bank of America checking account by XXXX XXXX. The total amount is {$3600.00}. Beginning on XX/XX/XXXX until XX/XX/XXXX. I was told by Bank of America the charges were authorized by me or made by someone who had my permission to use my card. This is not correct. I was in Oregon much of the time as my father passed the end of XXXX.
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.
Consumer complaint received 2022-03-21
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. (AZ)

An inquiry was made on my TransUnion credit report on XX/XX/2021 by a company called XXXX XXXX. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with Transunion XXXX and XXXX immediately.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

The company XXXX XXXX has been attempting to collect a debt from a credit card I obtained when I was unmarried. I worked as a bartender and lost my job and became behind on all bills during Covid-19. They served my husband with the court documents when I wasn't home. The credit limit for the card was {$3000.00} and they are requesting I pay {$4200.00} because of late fees, etc. They have submitted a judgement to try to hold my husband accountable for this debt as I got married in XXXX of 2020. We had a mediation and the company did not accept my lump sum offer of {$1500.00}. They are willing to settle for {$2900.00} ( after supposedly speaking with their client XXXX XXXX ). They did not notify me that they had declined my lump sum offer. They also stated I could make payments for the total amount {$4200.00} with no negotiation. I have been settling other debt with companies for less than half of what I owe. They again, declined my offer. The website makes you agree to certain terms and conditions before you can log in to see your account. They submit paperwork with XXXX XXXX listed but they clearly bought this debt and are trying to get as much as they can, in the most incessant ways. The terms and conditions aren't listed. Their business practice is aggressive, unethical and shameful.
Consumer complaint received 2022-05-17
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. (IL)

XXXX  - Card Services Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-10-27
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; If Experian and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (SC)

Gap XXXX Barclays has retroactively increased my interest rate. According to my credit card statements they are charging me higher interest on an old balance that was originally set at a lower interest rate. 

A 2009 law bans credit card complanies from retroactive interest rate increases.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Consumer complaint received 2022-05-13
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. (IL)

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 XXXX XXXX XXXX XXXX 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.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Consumer complaint received 2019-07-19
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. (FL)

Transunion is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX and XXXX  are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report
Consumer complaint received 2019-11-20
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 a Business Checking account and Platinum Money Market account in branch at US Bank on XX/XX/XXXX, providing the promotional code XXXX at the time of account opening ( documentation of the original offer in full is attached below ). The banker made sure the promotional code was correctly entered. The promotion offered a {$400.00} bonus when the terms were met. The terms of the offer were : 1. open a Business Checking and Platinum Money Market account between XX/XX/XXXX and XX/XX/XXXX, and 2. Deposit {$5000.00} via ACH, Direct, Mobile,  or Wire deposit within 30 days. It was also suggested at the time of opening that the account fees would be waived for the first three months of service. As per the terms of the offer, I opened my account within the proper time frame ( XX/XX/XXXX ) and deposited {$5000.00} into my account via ACH on XX/XX/XXXX ( which was within the first 30 days of account opening ). The documentation of this ACH deposit is attached below. As per the full terms of the offer ( documentation attached ), I should have received my bonus from US Bank within 45 days of deposit ( which would have been XX/XX/XXXX ). I did not receive the bonus and reached out to the main US Bank phone #. I was told by a representative that I would need to contact my local branch directly. Over the next six weeks I sent 11 emails, most of them unreturned, made multiple phone calls ( in which I was told to call back at another time ), as well as visited the branch in person ( my banker was not in ) to try to resolve the issue. The banker replied via email on XX/XX/XXXX to simply to restate the terms that the US Bank main office said I needed to deposit {$5000.00} in the first 30 days of account opening to receive the bonus. I replied that I did, as documented below, on XX/XX/XXXX. I have received no additional response since, even after following up several more times. Even though I met all the specific terms of the offer ( as documented in detail ) and attempted to resolve this situation in good faith on multiple occasions, I was unable to get the issue addressed, and still have not received the bonus. US Bank has not honored their end of this promotion, and my many attempts to resolve this have gone ignored. I am respectfully requesting that this promotion be honored and {$400.00} credited to my account, in addition to two months statement fees reversed ( for XX/XX/XXXX, and XX/XX/XXXX ).
Consumer complaint received 2019-07-19
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: FACTUAL DATA CORP. (NC)

On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from XXXX XXXX but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another XXXX representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XXXX, XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2022-05-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This complaint is about a potentially negative item reported on my credit profile by : The University XXXX XXXX XXXX XXXX XXXX XXXX XXXX These two organizations have opened a collection account in the amount of {$700.00}, under my name as a delinquent payment. 
All attempts to make them remove this erroneous report have failed. 

Here is what happened On XX/XX/XXXX, I got an offer from the University XXXX XXXX to do an XXXX program. 
On XX/XX/XXXX, I made a payment of {$1100.00} for the XXXX registration On XX/XX/XXXX, I deferred my admission. This is because my job assigned me to a project that made it unfeasible to continue with the program. 
Because the deferral was completed within the allotted time, the university promised to give me a refund for the tuition that I paid. However, after many unsuccessful attempts to get my refund, I gave up and stopped contacting the school. Only for me to see it appear on my credit profile, this year XXXX. 
I have disputed this report with Experian and submitted documentation to prove that I do not owe the University any money but still, I have no idea why Experian will not remove this from my credit report. 
I also do not know why the University thinks I owe them money, even the credit collector can not offer a good explanation about the money they say I owe. 

Now I'm interviewing for a job right now and their background check is alerting me of a potentially negative item in my report. I have been without a job for over a year and I can't afford to miss this opportunity.
Consumer complaint received 2022-05-17
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. (CO)

in accordance with Fair credit reporting act XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (NC)

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

A person posing as a home owner agreed to lease a house for the deposit and first months rent. I paid these through zelle after having had a multiple conversations with the person on the phone and having visited the property. It was afterwards that some further investigation showed they did not own the property as it was owned by a company who rents out homes. Their name was never listed on the county register.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I have been a customer for decades, since the XXXX XXXX times, but unfortunately Chase does not appreciate past long time loyal customer with pristine credit history. 
Chase Bank decided to : 1 ) End the XXXX XXXX XXXX product which was valid until XX/XX/2025, 2 ) Denied me use of my XXXX XXXX XXXX valid until XXXX, and forcefully migrated me to a new product called the XXXX XXXX XXXX XXXX, 3 ) The new product is much more expensive, and NOT a MasterCard, unacceptable to me, and have not activated the cards, 4 ) They are denying access to the Club in the airport, although XXXX XXXX  was valid until XX/XX/2025 5 ) Chase Bank has BULLIED me into accepting an unacceptable product, instead of letting long time customers have the CHOICE of keeping their legacy card, 6 ) Charged me an annual fee of {$450.00}, and did not deliver their product or promise, this to me, feels like FRAUD.
Consumer complaint received 2022-05-17
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 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOE/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