davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have fraudulent hard inquiries on my Transunion credit report that are not mine. 

The inquiries are listed below : 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
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I filed for a small personal loan through what a I thought was a legitimate loan company " XXXX XXXX XXXX '' based out of California. I received a telephone call from the " representative '' clarifying the information on the application. In going over the information, the representative stated that he had my bank password, which he proceeded to tell me. Surprisingly, he did in fact have my password. At no time, did I provide my password to him. He transferred money from one account to another, making it appear that the loan was granted. However, TD Bank is stating that fraud was not committed as they are stating that I willingly gave the password to the caller and authorized the three separate transactions.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (WA)

Remove all information reporting from XXXX and the settlement XXXXXXXX XXXX XXXXXXXX states. Also remove inquiries on XXXX and TransUnion. 

XXXX XXXX ( Finance ) XX/XX/XXXX Based on your TransUnion report on XX/XX/XXXX Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX Based on your XXXX report on XX/XX/XXXX Inquiry details XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (GA)

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Equifax on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX  Credit Card with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXX XXXX with a balance of {$1100.00} Delete the inaccurate accounts on my credit report immediately.
Consumer complaint received 2021-05-15
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: EQUIFAX, INC. (NC)

Good Afternoon, XXXX has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XXXX XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXXXX XXXX  XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-11
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)

XXXX XXXX XXXX XXXX has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (MS)

Debt not validated within 30 days of debt validation letter being sent. Being contacted after letter stated not to if debt not verified within 30 days return receipt states date is XX/XX/XXXX letter sent in mail XXXX i recieved communication on yesterday XX/XX/XXXX which is outside of the 30 days. They made sure to put no date on the letter as they knew it was well past the 30 days.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Chase refuses to reverse fees and follow their own processes and procedures. I should not have to call the bank and inquire daily if I have charges that I can not see on my account, pending or posted. I was charged the NSF fee from a XXXX 's When I called the bank, I was told the fee was based on charges from XX/XX/XXXX. However, when I checked my account there are no charges from XXXX on XX/XX/XXXX. If they were honest about when the fee posted, which was XX/XX/XXXX, they would have to acknowledge the fee posted THE SAME DAY AS THE XXXX charge posted. They would have acknowledge that was not sufficient time to resolve prior to incurring the nsf fee. That was the advise from XXXX, to " monitor my account daily ''. And since there are NO CHARGES, even now, showing on my account for XX/XX/XXXX from XXXX, pending or posted, how is it that I have NSF fees based on charges from XXXX? Since Chase says they operate on " real time '' I should have been sent an alert on XX/XX/XXXX and the charges should have shown " pending '' until it fully posted on XX/XX/XXXX. If the XXXX 's charges showed pending on XX/XX/XXXX, then monitoring the account daily would have helped. But that is not the case - NO CHARGES FROM XXXX EVER APPEARED ON MY ACCOUNT. And if I were monitoring my account daily, there would have been NOTHING TO SEE because there were no PENDING OR POSTED charges ever for XX/XX/XXXX from XXXX. For XX/XX/XXXX, there were never charges showing, no charges pending, no alert was sent about as I have scheduled. If I had been monitoring my account daily, I would have seen NOTHING, so that would not have helped me. Yet, I am being charged {$34.00} for not knowing about it and never allowed the opportunity to resolve prior to incurring the fee. As a result of Chase 's actions, the charges and nsf fee appear on my account on the SAME DAY, in which case, even with monitoring, there was never an opportunity to resolve. 

I was advised previously by Chase employees via phone the following : 1. ATM deposits of cash made the same day will be effective on that day. 

I made an ATM deposit at XXXX XXXX after work, the SAME DAY of a charge from XXXX that was pending. Chase refuses to acknowledge it because it was made after their imaginary " cutoff '', of XXXX XXXX and I live in XXXX XXXX. The average reasonable person, understands " same day '' means prior to midnight, and in their own time zone ( mine is Central ).
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.
Consumer complaint received 2022-04-11
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)

XXXX XXXX XXXX XXXX has not obliged by 15 usc 6802. After contacting this company numerous of times to remove these items nothing has been done. I was never properly notified that this item would be reporting on my behalf nor have I ever given permission for information to be passed to a non affiliated third party. Also after looking at 15 U.S. Code 1681b, a consumer report shall not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This alone is in direct violation of consumer reporting.
Consumer complaint received 2021-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Good Afternoon, TransUnion has refused to help me with my problem with credit inquiries, I spoke to multiple agents and they refused to help me about inquires being taken off my report then added back, the list of hard inquiries are 1.XXXX XXXX from XX/XX/XXXX 2. XXXX XXXX from XX/XX/2021 3. XX/XX/XXXXXX/XX/2021 4. XXXX XXXX XXXX XX/XX/2021 5. XXXXXX/XX/XXXX XX/XX/2021 6. XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-11
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. (UT)

ON XX/XX/2022, I CONTACTED EXPERIAN XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY EXPERIAN XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON EXPERIAN XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Consumer complaint received 2019-08-07
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: EQUIFAX, INC. (TN)

I went to my bank to get a loan and they told me that they couldn't approve me at the time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. I am doing this on my own and I have reached out to the FTC and to my local police department.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (WA)

My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (CA)

Before child support payment started going to Way2go card, they were with XXXX XXXX. I had monies on my XXXX  XXXX  that were taken fraudulently, ( I logged in to the child support portal and saw deposits were made that I never knew about and I never got the money ) I reached out to Dept. of Child Support and they said to contact Way2go for replacement card and prior statements/transactions on the account. I called Way2go and requested these things but they were never sent. Someone used my card and they aren't sending me to things I need to prove the fraud and get the money that my kids dad paid in order to take care of our children. Someone stole my kids money and Way2go is not following through with helping me A ) GET A NEW CARD ( I never received one when the switch took place from EPIC to WAY2GO ) B ) I NEED TRANSACTION HISTORY TO DISPUTE
Consumer complaint received 2022-10-24
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. (IL)

Just found, that I have a closed account on my credit report. This account was closed as soon as I realized. 

Account name : XXXX XXXX XXXXXXXX XXXX 

I did not even use this account, it was pre-approval application without opening account, but account was opened, then I closed it directly with bank. 
Today I've tried to discuss this problem with XXXX XXXX, they said that on the next billing cycle they will not report this account.

Four days ago I found that this account caused credit score drop for XXXX points, it's unfair. 

Remove this account from my credit report.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (NY)

On Monday, XX/XX/2022, I spent over an hour researching a vacation flight for my family of XXXX. I found one which met our needs. And I completed the airlines lengthy form with our names, birthdates, seat selections, etc. 

When I put my debit card information into the system CHASE DECLINED THE PURCHASE. THEY HAD NO REASON NOR RIGHT TO DO SO! There were funds in my account to cover the flight costs. I have not had any fraud associated with my account. It was an arbitrary and unnecessary act.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-11
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. (NY)

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS
Consumer complaint received 2022-04-11
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, XXXX and Transunion are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Barclays ( JetBlue Card ) was unable to process my payments for 2 months ( XX/XX/XXXX and XX/XX/XXXX ) granted I've been using my bank account to make all my payments since I have had this card in XXXX. I have tried to make payments of {$1000.00} on both occasions. I called multiple times to make the payments over the phone, and they still could not process the payments with my debit card. 
I have even made a conference call with my bank, XXXX  XXXX XXXX, and a XXXX at Barclays. XXXX  XXXX XXXX reassured the XXXX that I have more than enough to make the payment and that the problem is not coming from either my bank account or the bank itself. 
Unfortunately, the XXXX is not able to stop the reporting on credit report despite the problem is coming from their end and my numerous attempts to make a payments. 
Barclays asked me to report the case to CFPB since that will trigger them to respond and clear all negative remarks on my credit report. They have all the notes of my attempts to make payments well over the minimum amount and also that their system is strangely blocking my bank account to be added as payment method.