davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
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. (CA)

I have requested inaccurate information be removed from my credit reports and it still hasn't happened in over a year if waiting. As a result of fraudulent activity on my credit profile I am placed fraud alerts and/or security freezes on my credit profile with all 3 credit reporting agencies. As a result I am unable to obtain credit and now can't even get the  freezes/alerts removed from my credit profile along with names and/or addresses that should not be associated with my credit profile.
Consumer complaint received 2023-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AZ)

I have been trying to make my payments online for months. I have never received a credit card or a statement. I have called and attempted to get it resolved that way also. I have been assessed multiple fees and have had my credit impacted.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2023 I received a promotional flyer in the mail from Chase Bank which stated if I deposit XXXX into a savings account and leave the funds in the acct for 90days I would receive XXXX which I received, the same mailer stated that if I set up direct deposit and have a direct deposit into checking within 90 days of enrollment I would receive an additional XXXX dollars of which I still as of XXXX XXXX  havent received, finally the mailer stated that if I successfully completed both offers id get an additional XXXX which as of today XX/XX/XXXX havent received. I called XX/XX/XXXX and inquired at which time a tockets was reportedly placed on my behalf with the back office to research, and I was then told that it was a system issue and id receive the missing XXXX dollars within 15days I waited and then gave a few additional days with still no payments, Ive called twice in the past week and half with no further info provided, tonight I called and they opened up a follow up as we are almost 30 days past the initial inquiry and chase has not upheld their solicited offer to me which I consider a legal agreement.. at this point they need to pay me interest on the missing funds
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (MS)

XXXX XXXX  violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Consumer complaint received 2022-03-18
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. (GA)

XXXX Experian Sudden dropped XXXX points of existing posted FICO Credit Score without reason, validity of action XXXX Suddenly without reason, validity and assuredly non-recklessness by consumer Experian deleted/removed FICO Credit Score from consumers credit profile ( To date XXXX XX/XX/XXXX Experian have NOT and will not restore ) XXXX Consumer fighting XXXX third time - Yes XXXX time XXXX XXXX correspondence to Experian XXXX XXXX correspondence to CFPB XXXX XX/XX/XXXX Consumer emailed XXXX XXXX - Experian XXXX XXXX XXXX XXXX XX/XX/XXXX voice message from XXXX XXXX, Experian XXXX he left same generic format as previous - NOT addressing or resolving the compliant XXXX XX/XX/XXXX consumer emailed XXXX XXXX with detailed and certified its contents to be as occurred to date is true. To date no reply or follow up after my detailed email. 
XXXX XX/XX/XXXX Consumer mailed complaint to FTC XXXX XX/XX/XXXX consumer filed compliant with CFPB XXXX XXXX XX/XX/XXXX or so once again Experian sent generic response did not address, amend, correct the sudden deletion/removal of Consumer 's FICO Credit Score - and they closed case ( lol )
Consumer complaint received 2018-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi. I disputed some closed accounts that I'm no longer responsible for on XX/XX/2018 and it's still under investigation and nothing has been updated.
Consumer complaint received 2018-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

USB Customer XXXX XXXX XXXX ( USB Acct # ending XXXX ), noticed an unauthorized withdrawal made on XX/XX/XXXX at the US Bank XXXX XXXX XXXX ATM XXXX at XXXX in the amount of {$400.00}. Given the recent establishment of this account, Her age of almost 80 years, her aged health, her previous withdraw history/pattern on this account, and the excessive amount withdrawn at one-time, we took immediate action to file a claim with USB branch for fraud. 
On XX/XX/XXXX, after consulting with USB Rep, XXXX XXXX XXXX NML # XXXX, it was determined that the XXXX XXXX XXXX file a " Report of Alleged Fraudulent Activity '' and submit a " Declaration of Unauthorized ATM/Debit Card Statement '' submitted under Fraud Claim No. XXXX and to also have a new debit card and PIN issued. 
However, on XX/XX/XXXX to our dismay/surprise, we were informed that her claim was denied due to conflicting documentation to support the unauthorized transaction. 
On XX/XX/XXXX as per Ref ID # XXXX, WE exercised our right to request the documentation USB relied upon to make their determination and requested further video/pictures of XXXX XXXX XXXX withdrawing the unusual amount of {$400.00}. 
To date, we have not been provided with any substantiated documentation, videos, pictures of her making the withdrawal, or follow-up to our reference inquiry. The {$400.00} previously redeposited after the claim was filed has been subsequently expunged from her account and the funds have not been redeposited into her account. 
We have made several verbal request via cust. service at XXXX over the last 60 days for further follow-up but to no avail. For an Senior Citizen on a fixed  income, this is a huge financial burden to bare. 
We are requesting that the CFPB engage USB on our behalf and request tangible documentation and/or video that substantiates their claim not to redeposit the unauthorized funds of {$400.00} into the account of XXXX XXXX XXXX. Thank-you. 

XXXX XXXX, Son of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-12-25
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. (NY)

I've disputed an item with Experian and they failed to start the dispute in due course. Instead, we discussed an option to upload documents which they were well aware of what those docs are, from an email sent over to them, but they still had me upload it to their broken system to gain few more days. Then they advised me they can't use those docs. When I informed them of new doc 's received from the company, and that I need a quicker way to submit it. XXXX XXXX gave me a broken Fax number to fax it to and dragged it out for another few days causing me severe pain and damage until they finally gave me a good fax number and when received they again were unwilling to accept those docs. This is a simple run around of a fraud company. Even after the creditor itself advised them over the phone of the error they didn't fix the error.
Consumer complaint received 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have written Transunion again. And also I have called them. I have fraudulent inquiries on my credit report and they need to be removed ASAP. I filed an FTC report for them as well. Im also getting a police report filed.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (GA)

On XX/XX/XXXX we received a email from XXXX XXXX XXXX saying there was a hold on our account because of increase of sale volume. Only after we noticed we havent been receiving all of our deposits since we started the account in XX/XX/XXXX we were only receiving partial payments so we called XXXX, XXXX  XXXX  and first data to inform them we havent been receiving the complete amount being deposited daily into our account and that only partial payment have been received from there services since XX/XX/XXXX. They gave us different numerous numbers to call because they had no ideal on what to do in this situation and who to talk to about these funds being held. XXXX  XXXX  completely stop giving us our payments on XX/XX/XXXX instead of partial payments we have been receiving since we started the account in XXXX. We are owed XXXX from this credit card processing company. They have withheld our finances since XXXX and they have taken XXXX on XX/XX/XXXX for no giving reason nor can they explain where those charges were for. On XX/XX/XXXX they took XXXX and couldnt give reason why and on XX/XX/XXXX charged my account another XXXX all in one month for charges and the supervision at slice couldnt explain or understand the reason my account has been charged so much. We were told that our account funds will be released in 1 to 2 business days and its 2 months later and we still havent received anything from slice but a charge on our account when our account was on hold until further investigation. We have not used slice none in XXXX but yet there is a charge of over XXXX that has been charged to our account. We have talked to many representatives but its getting exhausting because we are getting the run around with this and that person handling our account but no one knows where these charges were accumulated from or why our funds have not been released after sending over all of the necessary documents XXXX times and being verified through there system.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANNER CORPORATION (CA)

On XX/XX/2022 Banner Bank withdrew XXXX} from my checking account without advising me why they took the money. I have called the bank but have not received an answer. Through telephone contacts with the bank, nothing in writing my mortgage payment is going up XXXX per month and the home insurance is going up XXXX per month, again nothing in writing.
Consumer complaint received 2019-09-13
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: EQUIFAX, INC. (CT)

I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (CA)

This company AFNI sent me a collection letter stating I owe {$630.00}. dated XX/XX/XXXXThe CFPB should note this debt collector started his collections Activities few days ago with harassing phone calls. Please refer to CFPB complaint # XXXX. 
Since they sent me a debt collection letter stating I owe {$630.00} to XXXX, I believe around XX/XX/XXXX I disputed this amount its totally even I went further I escalate this issue to the FCC Case # XXXX against XXXX, They never sent me nothing in writing within the 30 days process setup by the FCC about this Fraudulent Debt, so instead after One year  and 1/2 XXXX Hires this debt Collector to try to collect a Fraudulent Debt it was fully disputed around XX/XX/XXXX with the FCC, XXXX never responded to my FCC complaint. I'm attaching my Statement of Fact Letter as well to dispute this fraudulent debt against AFNI and the Copy of the email I received from the FCC.
Consumer complaint received 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-27
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. (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 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 2019-09-13
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: Experian Information Solutions Inc. (CT)

I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I WAS A VICTIM OF IDENTITY THEFT I HIRED A LAWYER TO HELP WITH MY SITUATION. IT WAS SUCCESFUL THE NAME OF THE COMPANY IS AMERICAN EXPRESS A FEW YEARS LATERS I WAS CONTACTED BY AMERICAN EXPRESS AS I OWED MONEY THEY TOLD ME NO I DIDNT THEY REQUESTED INFORMATION TO VERIFY THIS WAS SENT I WAS NOTIFIED I STILL OWED MONIES TO ONE CARD ( ONE ) THIS IS IMPORTANT TO REMEMBER. 

MY CREDIT REPORT WAS HIT. I WAS THEN OFFERED A DEAL TO PAY THEM OVER XXXX US DOLLARS TO CLEAR MY NAME TO GET A CARD ... .I PAID ONLY TO RECOVER MY CREDIT. 

AFTER A FEW MONTHS TO PAY THEM THEY SAID THANKS AND THEN THEY SENT ME A NEW LETTER TELLING ME I OWE FOR THE OTHER CARDS THAT WAS REMOVED BY THEM IN SUPPORT OF EVIDENCE OF A POLICE REPORT AND VERIFICATION FROM THE XXXX COUNTY DA OFFICE THE PERSON DOING THIS WAS ARRESTED HE NOW SITS IN JAIL. 

NOW THEY RE HIT MY CREDIT REPORT WITH TWO NEW HITS OF THE OLD ACCOUNTS AND TOLD ME I OWE THEM YEARS LATER FOR NO OTHER REASON THAN I OWED IT ORIGINALLY AND I HAVE TO PAY. MY LAWYER WHO IS ASKING TO GO THIS ROUTE BEFORE CLASS ACTION SUIT FILED PLEASE CAN YOU HELP ME WITH THIS? 

THANK YOU XXXX
Consumer complaint received 2019-09-13
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. (CT)

I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (CA)

I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX, Velocity Investments LLC, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with Velocity Investments LLC or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. Velocity Investments LLC and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed XXXX and it was XXXX as of XX/XX/XXXX. It has been little over 8 years since and putting my life back on track credit plays a high roll. As of XX/XX/XXXX. My XXXX still sits on my credit report. As I am working diligently to stabilize my future as a single mom rebuilding my credit has been an essential part of our lives.