davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

Good evening, On XX/XX/2019 I purchased a XXXX XXXX ticket using Chase Ultimate Rewards Points with my Chase Sapphire Reserve Credit card. XXXX XXXX canceled my return flight and issued me a partial refund for {$150.00}. XXXX informed me on XX/XX/2019 that the refund was processed. It's been weeks and Chase refuse to refund my account. 
I waited the appropriate amount of time for the refund to appear on my account but it never did. I contacted Chase Card services using the secure messages feature and informed them of the issue. Chase told me the refund processed to a different credit card number from the one I have, and that I'd need to work out my refund with the airline. I contacted XXXX again, who informed me that when a customer books a flight with credit card points, the credit card company itself reserves the flight through a partnered travel agency, and that XXXX had reimbursed Chase 's partnered travel agency, because XXXX can only reimburse in the exact method in which the flight was reserved. 
A XXXX representative told me to contact Chase again and tell the credit card company to reach out to their agency, confirm the {$150.00} reimbursement, and then forward the refund to my account. I messaged Chase on XX/XX/2019 and told them this issue and asked them to confirm my refund with their agency. Chase sent me a repeat semi-automated response to contact XXXX again, and claimed that I hadn't booked the flight using Chase ( even though I definitely booked the flight with Chase Ultimate Rewards Points and I have the email confirmation to prove it ). Chase customer service is sending me in circles, refusing to follow up with their own travel agency, refusing to read the messages I sent them with pertinent information, and refusing to process my refund to my account. I have spent over twenty hours contacting Chase and two months of frustration waiting for my refund. 
Furthermore, when I spoke to a Chase representative on the phone on XX/XX/XXXX she was less than helpful. She told me XXXX cancelled my return flight because I'd failed to arrive at the airport for my departing flight ( this was false and easily disproved. I'd flown on the departing flight the day before ). She was also unable to receive emails, so I couldn't show her the XXXX flight or refund information. When I learned I could not forward documents to Chase employees while on the phone, I decided to use the secure messaging. But this method of communicating with Chase has proven just as ineffective. 
I am attaching to this complaint all of my messages with Chase, proof that XXXX processed my refund, and proof that I purchased the flight through Chase.
Consumer complaint received 2019-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (TX)

Over 5 month ago I applied for two nummbers of leases in the amounts of XXXX $ for a mattress and couch with turned to XXXX, 26 number of payments of XXXX tax excluded. 
The second lease was in the amount of XXXX turned to XXXX, 26 number of payments of XXXX tax excluded at shop for 3 initialed services in 3 days, Day one after leaving the shop i found out that they have broke a piece in my vehicle and they have stole my personal belongings, i called the shop and explained the situation and they refused to fix it, i tried and called Acima to at least get the other two un-received services off the lease the person assisting me agreed to contact the shop and take care of it. 
I now have paid more than 50 % but that most be it, I believe I have paid enough with all the suffering.acima absolutely didnt show any care about my requests.
Consumer complaint received 2015-08-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

I opened an IRA XXXX Traditional ) in XXXX at The XXXX XXXX XXXX XXXX, MA XXXX XXXX Br-anch. In XXXX I added to it. I thenmoved in XXXX XXXX and forgot about this accnt. 
Now in XXXX my Father finds an old statementof the money and interest that I had in this acct. 
XXXX trust no longer exists. It became XXXX Bank and then Citizens Bank. Thecurrent bank has no record of my original acct. 
I do not remember every receiving notice of anaccount from XXXX savings bank. 
In XXXX when I moved to XXXX I have since moved8 times and my name has changed. How do I goabout finding this IRA? Thank you for your help.
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (FL)

I have no idea were this account came from, I've tried to call and write multiple time but no one answers or responds. I've never even received a letter or phone call from these people, the only reason I even know about the debt is because I'm currently in the process of building my credit and whatever this account is, is getting in the way.
Consumer complaint received 2019-07-27
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 — Investigation took more than 30 days
Company: State Collection Service, Inc. (IL)

State collection services from XXXX Wisconsin took longer than 30 days after I disputed a medical debt. I was on state aid and the hospital never applied the state aid because I was laid off. I have the dates of this taking longer than 30 days when I disputed it and it is approaching the statue of limitations to be off my credit report. I have suffered long enough with XXXX from what happened and this triggers it constantly. Its debilitating knowing that the hospital was negligent not applying financial aid and I am not able to get get a car or home to live it's sad.
Consumer complaint received 2018-03-25
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: Synerprise Consulting Services, Inc. (TX)

I sent a request for validation for the debt they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the President of the company XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to.
Consumer complaint received 2023-04-04
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. (TX)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the correction of the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I had a multitude of red flags pop up around mid XXXX, 2014 and obviously took brisk action in fixing it. One of the few conclusions we ( my bank and I could find ) was to close my account and my cards and issue brand new numbers for each one. The date that this supposed money was put into my account was AFTER my accounts were closed and I was issued new account numbers and card numbers. The company Speedy Cash left me a large amount of pretty threatening voicemails including telling me youre going to jail no matter what, just pay ya we need the money after I specifically spoke to them about how theres no possible way the money could go in and if it did it was identity theft and I told them to contact my bank and they asked for the information and I gave them the number of the bank, XXXX XXXX and I also gave XXXX a heads up that they needed verification that it was closed. I never heard a word back again ... AND NOW its in debt collections? No way ...
Consumer complaint received 2022-12-30
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile.under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from my account : XXXX XXXX
Consumer complaint received 2019-07-27
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2023-04-04
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, Pursuant to 15 usc 1681a ( 2 ) ( B ) " any authorization of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is '' the term " credit card '' means any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said Any car. The credit card is my social security car. This is the credit card I used to originate every consumer credit transaction below. It should be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). This is a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2024-03-05
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. (PA)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Inquiries that are being challenged 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 2022-12-02
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2022-12-15
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. (FL)

I have sent XXXX letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never had a XXXX XXXX  or XXXX  account.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to access my account with Transunion. I am able to login without an issue. However, I can not file disputes online, I can not check if there is a credit freeze or not. I can't even request one if I wanted one. I try to request a credit report and it constantly spins. I have called in the past but was told that I would have to write. I sent a letter a year ago with the issue and the dispute and I never received a response. It's like Transunion is ignoring me and doing as they please. I'm now filing a complaint as I spoke to a representative today and he advised me there was no freeze on the account. He gave me the support number of XXXX which then booted me on the call and sent me a text to chat with support. Their AI is broken because it is in a loop and no live person to fix the problem. I'm frustrated and sick of the run around I have been getting from Transunion.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-10-06
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX SELF-REPORTED XXXX Balance : {$55.00} XXXX  SELF-REPORTED XXXX Balance : {$25.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  SELF-REPORTED XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX CHEV XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

NFCU charged my accounts off in XX/XX/2019 to a brocker/pllc collection company on XXXX XXXX the payments were sent to XXXX XXXX XXXX XXXX in the amount that was agreed upon to settle both accounts. 
XXXX XXXX the money orders cleared XXXX XXXX XXXX XXXX and I receive literature saying both accounts are settle and closed, also the money was being sent over to NFCU. I called NFCU the following week to receive a status on the accounts and when they will update my credit. I was advised by the rep that once they recieved the payment the information would be updated. 

XXXX XXXX updates were made to my credit not reflecting any of this information, balances are still being showed, inaccurrate information is being reported wth such wording as " paying in under partial agreement '' which is not accurate at all. the accounts are settled and closed.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Three months ago I did this same thing and gave up. Today I tried again. I tried to unfreeze my Transunion credit reports so an agency could check my credit. I attempted this online and once again, even after me putting in the CODE that was emailed to me, it failed to verify me. 
I think called the number, again, and again someone answered that could not speak XXXX enough for me to understand her. I terminated the call and called again to see if I would get lucky and understand this person. No such luck. 
So Im trying to buy a home, the mortgage officer is waiting for me to unfreeze my credit and these people at Transunion dont even bother to hire people who speak XXXX. 

What can I do????? 
Thanks for your time XXXX XXXX
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

XXXX  is reporting inaccurate information and according to the FCRA everything that is that is reported on the credit report must be 100 percent accurate. Looking at my credit report and a response from the debt collector there is 2 different open dates.FAIR COLLECTIONS & OUT states that the account was sent to their office on XX/XX/2017 but it is reporting on XXXX  that it was open on XX/XX/2017