davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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. (GA)

15 U.S Code $ 1681C-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (AL)

I received an email stating that I had been enrolled into a credit monitoring program with Chase bank. Then I received immediately another email saying that an account had been opened for me at Chase bank. Then I received immediately a third email stating that my email address had been changed on the account. I've never opened any account with Chase bank, nor enrolled in any services with the bank. I called their fraud department, they told me that the account popped up but that they need my social security number. I advise them that I have no business with the bank, and that the account is fraudulent. They told me that they would not process anything unless I gave them my social security number. I advise them that they are now aware that the account is fraudulent, and as I have no business with the bank I'm not required to provide a social security number. And that I will not be liable for any charges that occur based off of this fraudulent account. They told me I would have to go into a branch if I refuse to give them my social security number. I told them that they are now aware that the account is fraudulent and that they will be liable for any charges if they choose to investigate further, but that they will not harass me about any debts that occur based off of this account.
Consumer complaint received 2022-06-13
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. (CA)

I, XXXX XXXX did not give any creditor or credit bureau to report negative items on my credit report. according to FCDPA 15 U.S.C. 1681b my right to privacy is violated therefore i demand payment to me of no less than {$100000.00} for this violation of law.
Consumer complaint received 2020-01-30
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. (MD)

*NOTE : Experian did send TWO checks due to the breach of my social security number. XXXX is in process. 

*XX/XX/2019 - CMRR USPS # XXXX - Disputes - Never verified any of my disputes based off of the Experian AND XXXX  breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries - Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Disputes on Inquiries # 2 -  Not fixed, verified, or answered by XXXX  . 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Experian did not fix, verify, or answer any of the disputes EVEN THOUGH I was in the Experian AND XXXX  breach.  Experian knows they did send two checks to me due to their breach. 

*XX/XX/2019 - CMRR USPS XXXX XXXX - Second attempt to Experian. Did not fix, verify, or answer these inquiries.
Consumer complaint received 2018-04-09
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. (NY)

I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.
Consumer complaint received 2022-06-13
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)

I, XXXX XXXX did not give any creditor or credit bureau to report negative items on my credit report. according to FCDPA 15 U.S.C. 1681b my right to privacy is violated therefore i demand payment to me of no less than {$100000.00} for this violation of law.
Consumer complaint received 2022-02-09
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. (FL)

Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.
Consumer complaint received 2020-12-14
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: BARCLAYS BANK DELAWARE (WA)

On XX/XX/2020, someone used my credit card to purchase {$1000.00} from XXXX. They used my billing address, phone number, and shipping address to place the order. 

After the order was placed, they had the shipper redirect the order to a new person and location. 

I reported the credit card as stolen, and the credit card company gave me the credit and sent me a letter acknowledging the dispute. Several days ago, the credit card company put the charge back on the card because the merchant said I ordered the merchandise. 

I contacted the credit card company about the charge, and they are taking the side of the merchant. They will not let me reopen the dispute and are keeping this charge on my account, accumulating interest. 

I contacted the merchant again this weekend who sent me an email today confirming that this order was rerouted from the merchant, but the credit card company has offered no method to escalate this. This is right before XXXX, but I can't purchase anything now because of this huge ( to me ) charge on my account.
Consumer complaint received 2018-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Byrider Franchising, LLC (PA)

XX/XX/XXXX paid {$2500.00} to finance XXXX XXXX XXXX ... this financial company work with individuals with bad credit or low income. The cars are old and have high mileage ... my car keep overheating and stalling. It been in shop for almost a month now. The finance of course still want me to pay loan. Im willing to keep paying if they can help me negotiate some type of solution so i can stay on road and be able to get to work. I still owe {$4900.00} on a car that only worth XXXX.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the The Fair Credit Billing Act of 1974 the XXXX XXXX statement regarding double billing is attached. XXXX XXXX was presented for settlement. This personal statement is being provided regarding the XXXX XXXX transaction solely. This does not authorize anyone to contact XXXX XXXX or act as a representative of the account holder. Chase bank card XXXX was not authorized for completion of this transaction and it was never presented to be physically swiped for settlement with this merchant. Duplicate billing has occurred and all billing should be removed from card XXXX. This is a request for the proof of the authorization date and time of card XXXX being swiped at check in or check out.
Consumer complaint received 2020-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (HI)

My mortgage company, Flagstar Mortgage, has not paid my hurricane insurance. My insurance was cancelled XX/XX/2020. They withheld the insurance each month and they were supposed to pay it thru the escrow account. They cut the check on XXXX XXXX but it did not arrive according to my insurance company. I was following up with my insurance company since XX/XX/2020 because this has happened in the past with Flagstar. My insurance is still not paid and I have not had hurricane insurance since XX/XX/2020. I have talked to numerous people at Flagstar and they said the check must have been lost and they had to wait to ensure the check did not get cashed before they reissued. Then they said that the check was returned to them and they would have to reissue. Not true! They finally reissued on XX/XX/XXXX but the check has still not reached my insurance company. I had applied approximately two years ago to be able to pay my own insurance as they have messed up the payments before but Flagstar denied my request. So they take my money and don't pay my insurance and my insurance is cancelled. I have spoken to numerous individuals at Flagstar and they are rude and have even hung up on me and they have lied to me. One individual was trying to help me. Her name is XXXX. She was in on several calls that I made to various supervisors and can witness that they were rude and not helpful at all. I am concerned that they have a pattern of taking advantage of veterans and using the escrow funds for other bills and then don't pay the insurance.
Consumer complaint received 2022-05-04
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. (SC)

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, 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. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX
Consumer complaint received 2022-05-04
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. (SC)

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  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 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 ) ( XXXX ) 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. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX
Consumer complaint received 2024-02-28
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. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX  DAYS I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-10-19
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: CITIBANK, N.A. (CA)

On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.
Consumer complaint received 2020-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Delta Management Associates, Inc. (IN)

I received a call today from Delta Management Associates regarding a defaulted student loan. I asked why I was getting a call when the CARES act suspended all collections on federal student loans. I was told my loans were not included in the CARES act and collections will continue. 

I was called from XXXX and spoke with a man at approximately XXXX central standard time.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX, I contacted my credit card company to inquire as to why my Experian credit report failed to show any record of my credit card account that was opened in XX/XX/XXXX and is still open to date. I was told by my credit card company that they were reporting it to all three credit bureaus every month and that I should contact Experian, and file a dispute with the credit card company to have it thoroughly investigated, which I did both. When I initially contacted Experian I was told that they had no record of my XXXX credit card account, so I needed to contact XXXX. At that time I submitted the dispute form to the credit card company, XXXX, and I received communication that they were accurately reporting to all three credit bureaus and that I should contact Experian. Today, XX/XX/XXXX, I contacted Experian again after noticing that my XXXX credit card account still has not been displayed on their report. I was told this time, that the account was removed from my credit profile, by Experian. I was told that it was an internal policy that they remove any accounts that has potentially negative information for anyone who is listed as an authorized user. Experian proceeded to explain that if there were no negative marks on the account, in my case one 30 day late payment reported in XX/XX/XXXX, they would keep the account displayed on my credit report. I was told by Experian that if I was added as a joint member on the credit card, all of the credit history with it would return to my Experian credit report. This seemed to be an easy fix, but my credit card company enforced a policy, without notifying consumers, that they will no longer provide joint credit accounts, and this attempt was failed when I reached out to my credit card company. 
With this internal policy that Experian has, I find it unfair, contradictory, and untruthful. What this policy allows is for authorized users to take credit for positive behavior that " does not belong to them '' when good marks on accounts are posted. This policy also allows for authorized users to not be held responsible for the account when negative marks are made because it " does not belong to them ''. In my situation, this policy is hurting my credit report because it is the majority of my credit history. Although I asked that it is reported on my Experian credit report with all of its positive and negative markings, to reflect the honest credit history, I was told they will not do so because this policy is in place. In this case this policy is hurting my credit score by not reporting my nearly 48 months of history because of one late payment. This policy is dishonest and misleading.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HAWAIIAN, INC. (HI)

XXXX XXXX XXXX XXXX week of XXXX I went to use my debit card and was denied. I went immediately to the bank, on the way I checked my online banking statement and noticed a lot of charges that were not mine. I assumed this was why my card was shut off. The bank confirmed the shut off but said that they could not stop them I have to wait till they clear to dispute them. XX/XX/22 went back after charges clearing, and finding new unauthorized charges they reissued me a new card and had me fill out, and sign a dispute for XXXX charges going back to the end of XXXX. They assured me XXXX days a response will be given. XX/XX/22 I was told I got paid 1 day early, for some reason my online banking was by then inaccessible to me so I went to a ATM to get a balance to make sure it was all there as I recently have had issues. My whole check plus the remaining balance from my last frauds were not there a balance of {$1600.00} not counting the issue charges that should have been there. I called many times in the next few days to talk to someone but it being a weekend I did not get a hold of anyone. I again check my balance via atm and it showed a balance of XXXX. Please keep in mind I knew there was no money available to me from my last fraudulent charges and have not used my acct and actually had to wait for a new card, so no new usage should have been going on. After waiting many hours on the phone I finally talk with an XXXX and he informed me that the charges were coming from my husbands card which initially started the flag but did not shut off that card they shut the wrong card off so the charges continued to a more higher price of withdrawals not authorized. I'm concerned because the card in question has never been formally turned on by me or my husband and doesn't even have a PIN and has never had any usage. It is also a few months from expiring. This card has also been kept in the safe in the same envelope it was shipped to me in. Why flag my account, turn off the wrong card, continue letting them steal from me, and then making me wait for an investigation to give my money back when its the banks error? They need to make me whole now and do the investigating and try and get the money back that way. I'm not at fault, they are especially since the woman who helped me file the XXXX dispute was the branch XXXX at that location. She should have noticed something of that caliber and it doesn't look good that the XXXX is ready to incumber losses that easily whether it be the banks or the costumers. This has emotionally traumatized me as we live paycheck to paycheck budgeted and all of my bills can not be paid. I'm incurring late charges. I have small children that rely on this for their everyday lives. I trust the bank to keep my account clear, but clearly there is an issue going on inside the bank as you flag an account, don't turn the flagged card off but continue to let it happen. This is a very big problem.
Consumer complaint received 2018-12-05
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. (IL)

As of XX/XX/XXXX Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX  XXXX never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$390.00} not mine XXXX XXXX   XXXX XXXX {$560.00} not mine XXXX XXXX XXXX XXXX {$5100.00} not mine