davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2022-03-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, 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. (HI)

I had my identity stolen, they took EVERYTHING from me they even took over.credit record..I can't even get my own records, It feels like I'm being XXXX over a over again XXXX can't afford a lawyer g
Consumer complaint received 2022-03-14
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)

MY INFORMATION HAS BEEN INVOLVED IN A MAJOR DATA BREACH WITH XXXX I HAVE BEEN FILING MULTIPLE LETTERS TO ALL THREE CREDIT REPORTING AGENCIES ON BEHALF OF FRAUDULENT INFORMATION FOUND. I HAD TO INDIVIDUALLY DRAFT AND SUBMIT THESE LETTERS, FINDING ALL THE INFORMATION INVOLVED IN THIS DATA BREACH THAT DOES NOT BELONG TO ME. I HAD TO SUBMIT A REPORT TO THE FEDERAL TRADE COMMISSION ON BEHALF OF IDENTITY THEFT. THE ACCOUNTS THAT HAVE CAUSED ME MANY DENIALS FOR LOANS, CREDIT AND OTHER PERSONAL PURCHASES. I HAVE LOST TIME AND ENERGY BECAUSE OF THESE FALSE ACCOUNTS.
Consumer complaint received 2019-07-31
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. (NV)

My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove 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 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OK)

I had a charge for {$89.00} on my account from XXXXXXXX XXXX XXXXXXXX. It is an online supplement retailer/multi level marketing company. The charge was on XX/XX/21 or XX/XX/21. I immediately called Chase and told them this was fraud. They cancelled my card and left me without a card right before XXXX. Would I claim fraud right before XXXX? Am I worried about {$89.00} that is on my card when I spent over {$69000.00} last year on this card. It was clearly fraud. 

At the same time, they asked if there were any other charges that I did not recognize. 
I also disputed an XXXX charge that I did not recognize or have a receipt for in the amount of XXXX. After XXXX, I contacted XXXX to find out that the receipt they provided me had been updated upon shipment to reflect a different tax rate as well as a gift card as partial payment. THIS DID NOT MATCH MY RECEIPT PROVIDED BY XXXX, but it was my charge. I did not dispute this charge further after speaking with XXXX. 

Chase sent me a letter on XXXX saying I received value for the charges and they were being re-billed. I disputed them again. I talked to XXXX, but I did not get any answers from XXXXXXXX XXXX  XXXX. I did try to reach them. 

On XXXX, I received another letter saying the charges were being re-billed to me. I called Chase again. I told them no way that XXXX XXXX XXXX was my charge, and that I would take the XXXX charge. They told me I would have to prove that it wasn't my charge. HOW CAN I PROVE SOMETHING IS NOT MINE IF I NEVER GOT ANYTHING??? I asked for a supervisor. He told me as a courtesy, he would give me back the {$89.00}, but that XXXX XXXX XXXXXXXX had said it was a valid charge for a trial and he thinks it was real. That was insulting. I did not have anything to do with XXXXXXXX XXXX XXXXXXXX. 

On XXXX, I called XXXX XXXX XXXXXXXX. They did not have my name or phone number on file and found no account on file for me, so they could not tell me where the shipment went that charged {$89.00} to my credit card. Is this ironic? They do not have me as a customer, yet are claiming that the {$89.00} charge is valid. Acoording to my conversation with a manager in the Chase fraud department this morning, I signed up for a trial subscription. How could I sign up if I am not in their system? The {$89.00} is for a one time shipment as clearly stated on their website. IT IS NOT A TRIAL LIKE CHASE TRIED TO TELL ME. And for the record, I am in their system as of this morning with my name and phone number because the SCAMMERS wouldn't even speak to me without giving them my name. 

CHASE SHOWED BLATANT DISREGARD FOR ANY FACTS AND PUT THE BURDEN ON ME TO PROVE I DIDN'T MAKE A CHARGE WHICH IS VIRTUALLY IMPOSSIBLE WHEN I DIDN'T MAKE A CHARGE. I have read many other cases where they are doing the same thing to others. This is not an acceptable practice.
Consumer complaint received 2022-10-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

I paid with my debit card from the citi bank bank my debit balance in the company, for the month of XXXX payment that I made on XX/XX/XXXX at XXXX XXXX and it was posted as paid on XX/XX/XXXX and At & t never I received the money, and I still have the debit balance with at & t, I have proof of the bill that they are charging me where it says they never received the money, this gives me very little confidence because this is the bank where I receive my direct deposit from me work.. I want to know if at & t does not have the {$180.00} that I paid and posted on my account statement that I was paid and they do not have it, then where is my money????? I feel cheated, robbed, frustrated.
Consumer complaint received 2022-02-08
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. (MI)

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF $XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-13
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (CA)

I requested a {$10000.00} personal loan for home repairs. I am XXXX XXXX XXXX. Have perfect credit. My XXXX  score is XXXX and I make {$3400.00} a month on retirement and Social Security. I previously got a loan personal loan for a car {$14000.00} a couple of years back. It was a four-year loan and I paid it off in XXXX year. I have XXXX credit cards Wells Fargo XXXX and a XXXX XXXX. XXXX card has nothing on it my Wells Fargo account is usually paid off every month. They have denied me credit because. XXXX lack of recent installment information loan information. To length of credit history too short. XXXX too many accounts with balances. I have enough money in my savings account to cover this loan but did not want to use my savings account to cover this loan for a home improvement. I believe it's because of my age please check the application number for the loan is XXXX XXXX XXXX XXXX XXXX. Received a letter dated XX/XX/2022 my email address is a country lady at gmail.com thank you
Consumer complaint received 2022-03-14
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. (FL)

Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXE XXXX XX/XX/XXXX XXXXP XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (FL)

Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from XXXX, the other was XXXX ( which I didnt end up taking ), and a chase card credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-04
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX Bank Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-14
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. (OH)

I checked my credit report and recognize that there were some unauthorized inquiries on my transunion, and XXXX credit report. 

XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/ XX/XX/XXXX
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Southwest Stage Funding (TX)

I have tried working with XX/XX/XXXXabout continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XX/XX/XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from XX/XX/XXXXthey can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with XX/XX/XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AR)

ONCE AGAIN I CANCELLED XXXX   MEMBERSHIP XXXX AND XXXX IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.
Consumer complaint received 2022-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (FL)

I sent letters, which are attached to the Department of Education on XX/XX/2022 ; XX/XX/2022 and again on XX/XX/XXXX. 

Please see attached. 
This was not a dispute I stated I would make payment in full in exchange for the original instrument of indebtedness. I have not received what I requested nor have they contacted me in reference to the letters that have been sent.
Consumer complaint received 2022-02-08
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: TRUIST FINANCIAL CORPORATION (FL)

My complaint is against Suntrust who I believe is now Truist Bank. My complaint is for Suntrust failing to take action to remove an unauthorized credit inquiry on my credit report from Suntrust. On XXXX 2021 I purchased a vehicle from XXXX XXXX. Before making The purchase by without the assistance of XXXX applied and obtained an auto loan using XXXX XXXXXXXX XXXX. While XXXX was processing the paperwork they made a mistake and applied for financing though several banks including Suntrust without my permission. XXXX has sent a certified letter to Suntrust and others explaining this mistake and ask them to contact XXXX to have this hard credit inquiry removed from my credit report. I have also sent a certified letter to Suntrust asking them to contact XXXX to have this inquiry removed because it was not authorized by me and is having a negative affect on my credit report, my loan applications and my acquisition of credit. I have since wrote several letters and made numerous phone calls to Suntrust since these first letters were sent. Suntrust has not responded at all. Each time I call Suntrust Im told the complaint will be forwarded to the Suntrust credit reporting department and Im given a reference number. Every time I call back for an update Im told the previous reference numbers do not bring up a case and I must start the complaint all over again. I have contacted XXXX and Im told I do have the right to have this inquiry removed since it wasnt authorized by me. XXXX also explained to me that ti have this inquiry removed the removal should be requested by the creditor that did the inquiry which is Suntrust. When XXXX made this error applying for loans in my name they applied to several other banks creating many credit inquiries. All of the others with the exception of one have contacted the credit bureaus requesting these inquiries be removed. So far most have been removed with a couple still pending with the credit bureaus. I am requesting Suntrust contacts XXXX Credit Bureau and asks that this credit inquiry be removed from my credit report since it was done in error.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

I submitted a Public Service Loan Forgiveness ( PSLF ) form last year to FedLoan Servicing and received a letter dated XX/XX/2021 ( attached ) that it's under review to verify if I work for a qualifying employer. I have since contacted FedLoan several times and they confirmed based on the submitted information that the employer qualifies for PSLF, however the application is still under review.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The XXXX XXXX was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all XXXX credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a government job and my credit is important for the job requirements. 

However, XXXX XXXX at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all XXXX bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all XXXX bureaus. I demand XXXX XXXX re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to XXXX XXXX purchasing a bulk finance. All relevant documents attached.