davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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)

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 XXXX XXXX XXXX. 

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

15 U.S.C 1681 section 604 section 2 : It also. states a consumer reporting agency can not furnish an 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,
Consumer complaint received 2023-07-26
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. (CA)

This is one of my multiple attempts to notify XXXX and TransUnion credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 2017-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I paid my account in full and Capital One continue to charge me interest on my account when it was at a zero balance. My account was paid in full and the failure to disclose any additional interest due or fees associated with that is a violation of fair collection practice. A reps told me that is not an option when paying online. They said they will not disclose any additional fees or interest and you would have to wait until next billing statement.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Several checking/savings accounts were opened in my name by Bank of America which were not authorized. I had an account at one or more times, BOA reps insisted I opened a second account which would be used solely for bill pay, second account was opened and which several fees including overdraft were charge to it. These accounts were not authorized. XXXX XXXX engaged in the same behavior and offered a settlement for fees charged to unauthorized accounts. I request a refund of any and all overdraft fees charged to accounts opened by BOA without my consent.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I'm just trying to get a credit freeze on my report. I went to the Experian page, gave them all the info they asked for. Was told that it wasn't correct. I then went to their page to upload my ID. It was We can not accerpt this as it is a JPG file. We require a TIFF file. 
Fine. I convert it to TIFF and upload it.

Your session has timed out and the page has expired. Please return to the front page and start over.

We can not accept this as it is a color image. We require a Black and White image. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
Could have said that. 
I load it into XXXX and convert it to Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image.

UGHHH. I take a new picture of the ID, making sure it's in Black and White. 
Your session has timed out and the page has expired. Please return to the front page and start over. 
We can not accept this as it is a color image. We require a Black and White image. 

They're making people jump through so many hoops just to get what is supposed to be a free service.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Hi Team, I was having a walmart store Synchrony bank credit card account ending with XXXX till XX/XX/XXXX. 

Now walmart is not working with Synchrony bank. 

I already closed this account with no due, now I need my last statement i .e XX/XX/XXXX from Synchrony bank for warranty claim of another purchase I did using that card in XX/XX/XXXX. 

I tried calling many times synchrony bank ( After long IVR menu ) and they transfer my call to another department and disconnect my call without providing any help, when I ask for this statement ( as they are not working with walmart anymore ).

Walmart does not have credit card details so they can not help on this.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

I have been damaged by Amex Credit because their " random '' was not random. 
The audit was conducted in n retaliation for withdrawing funds in a country where XXXX was not honored. 
Amex cut my credit value from unlimited to XXXX From XXXX to XXXX and from XXXX to XXXX these actions occurred without my knowledge or consent and caused my credit rating to drop XXXX points ( depending on the reporting agency ) this caused a situation where prior usage was not problematic current usage appeared excessive secondary to the lower limits. 
Additionally, Amex closed a checking account without my knowledge or consent in retaliation for prior reportage to CFPB of their actions. 
Their reason claimed was " bad address '' which was due to the input of am employee and had nothing to do with me. 
The damage us at the point where I downgraded my card because it was not worth maintaining s higher fee on a card worth a few fractions of the annual fee. The actions of Amex despite 19 years of experience and full service banking have now become punitive as I can not reopen my checking account and am being told that I have to prove my income with collateral information that was not necessary to acquire the account in the first instance.

The actions of Amex as of this writing remain in violation of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) 2 The Federal Financial Institutions Examination Council ( FFIEC ) Interagency Fair Lending Examination Procedures ; page 29.

3 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

4 12 CFR 345.41 ( a ).

5 12 CFR 345.41 ( c ) ( 2 ).

6 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

On XX/XX/23 I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX XXXX, due to an extremely bad experience, vandalism, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WV)

On XX/XX/XXXX, I deposited a check to my Chase Checking account which was drawn from my XXXX XXXX Checking account. The check cleared XXXX XXXX, and had sufficient funds to pay Chase. Chase placed a hold on the check, through XXXX. Chase had already collected the funds and XXXX XXXX paid the funds via my XXXX XXXX checking account. 

In light of the unnecessary " hold, '' which Chase chose ( arbitrarily to do ), I incurred Overdraft fees. To date, I have incurred two ( 2 ) fees, in the amount of {$34.00} each for a total of {$68.00}. I am asking for assistance in this matter to recover the fees due to the unlawful act of holding the check. I have been with Chase for five years, and XXXX XXXX since XXXX. I am at a loss as to why all of a sudden Chase is now singling me out. Chase has never placed holds on any deposits I have made. This is not the Chase I used to enjoy doing business with, and I must add, that when I had over {$100000.00} in my savings account these types of " situations '' were not happening. Odd, yes. Biased, yes. 
I wish to thank you in advance for your efforts to help me recover my hard earned dollars who have fallen into the hands of yet another greedy billionaire CEO 's hands.
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (VA)

None of your categories fit my issue. But I financed a loan for a XXXX bike in XX/XX/XXXX and paid it off in summer XXXX. The bike broke and in XX/XX/XXXX XXXX sent a {$2000.00} credit back to TD Bank. Ive been calling TD for 3 months and they wont give me information about payment of the credit they owe me.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions 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 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.
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I am the custodial parent of XXXX XXXX children who receive federal and state benefits because their father is XXXX and the other is a veteran. I purchased a PayPal prepaid card to keep their bunny safe during travel and while we were moving. XXXX will not allow me access to the childrens money even though I have provided proof of identity proof of old address and proof of my recent mailing address along with my Social Security card and two government IDs. I have made it clear that this money belongs to XXXX children and that it is our money that we put onto a prepaid card for safekeeping that the company does not have the right to keep the money away from the children by continually asking me for the same identification and address information I presented in the first place
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have sent two certified request to Portfolio Recovery for a claimed debt owed to XXXX XXXX, however, the only credit card I've had with XXXX XXXX  was settled in full, as it appears on my credit report. I mailed a debt validation letter to them on XX/XX/XXXX which was notarized and certified. Portfolio has neglected to provide validation of this said debt and I would like it removed as a collection from the credit bureaus expeditiously. The only information that have been able to provide is the last four of my social and that this account was opened on XX/XX/XXXX. I demand this debt be removed it has caused my once clean credit report to plummet from " good '' scores to " fair '' scores.
Consumer complaint received 2017-11-16
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. (MS)

I had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2019-04-08
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: CITIBANK, N.A. (VA)

On XXXX XX/XX/2019, credit card company sent me a letter asking for further information regarding my dispute with Sears for a charge of {$140.00}. I ordered a XXXX XXXX  10 inch sliding Compound Miter Saw ( Order Number XXXX ) on XXXX XX/XX/2019. Sears shipped the item on XXXX XXXX and I received it on XXXX XXXX of this year. 
On XXXX XXXX, I contacted Sear Member Services via their chat line ( XXXX -- Sears Case Number : XXXX ) informing them that the item was defective. Specifically, the saw blade would not align with the kerf box. If the saw was activated, it would destroy the rubber siding of the box and cause injury to the user. I requested return instructions. 
I was assured by operator XXXX that I would receive a return shipping label within 24 hours. None arrived. Subsequently, I received the same assurances from operator XXXX on XXXX XXXX then operator XXXX on XXXX XXXX. No return label or instructions were received despite my repeated attempts to secure one. 
On XXXX XXXX, operator XXXX again promised a label -- - none arrived. On XXXX XXXX, operator XXXX repeated the same response without effect, no label. On XXXX XXXX, operator XXXX stated that the merchant has been in contact with you. I told him that no one was in contact with me and that the item still sat in my house. 
On XXXX XXXX, I received an email from XXXX stating that we have escalated your issue to the higher authority so that they can investigate the issue and assist you further. On XXXX XXXX, I once again went to the Sears chat line and operator XXXX told me that Sears marketplace guarantee would cover the entire {$140.00} dispute. 
I received the return shipping label via email that afternoon. Following instruction sent with the label, I went to XXXX and placed the shipping box inside another box at additional cost of {$37.00} and sent it to XXXX, SC ( Tracking Number XXXX ). It arrived on XXXX XXXX. 
I have hard copy documents to support each of the actions I have taken to return this defective item. If you desire, I can send them via surface mail. 
The credit card company had held the payment in dispute then reversed the credit stating that I still had the item. In reality, the seller informed the credit card company they had not received the item the same day they sent me return instructions. I paid the bill, but I have received no assistance from either Sears or the credit card company to credit me for the cost of the item plus the shipping.
Consumer complaint received 2019-04-08
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. (TX)

Equifax you validated an alleged account XXXX  XXXX XXXX  that claims to be sold or transfered in your own credit report it does not state in dispute and seems to be sold while in disputeXXXXr XXXX XXXX you state updated validated but not by legal owner that is not reporting this alleged account therefore you did not validate anything, no date of last payment warrents removal of alleged account, no closed date, shows XXXX bal but shows no payment this is not accurrate reporting remove this alleged account not being reported by its alleged owner documents of proof enclosed 15U.S.Code1692 { e } false or misleading repersentation, by you equifax reporting this alleged account you fall under a debt collector.XXXX XXXX XXXX, XXXX United States District Court Azizona XXXX Court rules reporting on a credit report making you a debt collector that is why you equifax fall under 15 U.S.CODE 1692 { e } false and misleading repersentation
Consumer complaint received 2018-04-04
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. (MS)

Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (KY)

The company is XXXX XXXX XXXX. We had an issue with our account being compromised so that account closed and there fore the check didnt go thru. We had moved and didnt have the funds then to pay it. Well mid 2018 there collections dept called and threatened to file criminal charges on my husband. 1 being theft and then the second being theft by deception. We set up a payment arrangement to pay it off. They didnt need to threaten criminal charges we just couldnt find out how to pay it til they called. Well I have worked in collections before and knew that was not ok. This morning some one called looking for my son in law and told me it was important and that there was a case pending against him in XXXX county. I get the number and my son in law calls and they tell him the same thing. That they are going to file criminal charges against him if he doesnt pay this. I looked up the laws and this is clearly a violation. We dont have any receipts because this was 3 years ago for these loans.
Consumer complaint received 2023-03-18
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX