davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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. (IN)

According to the Fair Credit Reporting

Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, y
ou must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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: JPMORGAN CHASE & CO. (NY)

In accordance with the fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-07
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. (NC)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

This spammer who's impersonating a bill collector from American Express is still harassing me XXXX times, and this time they've called me at XXXX A.M. And I still didn't answer it. I want this crook arrested. I don't have any credit card debt, and I don't have any credit cards. The number is XXXX.
Consumer complaint received 2021-05-06
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: I.C. System, Inc. (FL)

XXXX is FRAUDULANTLY REPORTING a delinquent account that they have full knowledge was fraudulantly created by their own sales representative seeking a commission. 

Some 2 years ago, a XXXX installer knocked on my door to install XXXX cable service that XXXX ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. 

This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX XXXX. 

The installer determined that some XXXX SALES REP created the fake account to earn a commission. The XXXX installer told me I needed to call XXXX to correct, which I did on at least 5 occasions. Rather than following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). 

XXXX and their collection agenecies have been notified of the FRAUD ad nauseum, but continue to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). They are a company that is too big to care, and instead WRONGFULLY AND FRAUDULANTLY made the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances. 

This is wrongful, intentional and deserving of punitive damages - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. 

XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES, which I hereby request access to under the Freedom of Information Act.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, 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. (SC)

Transuniom and XXXX are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

I lost my debit card and disputed four recent transactions but one of those transactions was my rent. A day later on XX/XX/XXXX I called to ask them to cancel the claim. They said they didnt reach out to the merchant supposedly. I thought everything was stopped before it went through. A week later around XX/XX/XXXX The property management said the transaction was reversed. I called the bank and the bank said that they will release the funds back so now were pushing on XX/XX/XXXX and the property management still havent received it and we was told visa reached out to them for information. The apartment isnt in my name my its in my wifes. Chase told me they will have to sign some papers to verify with visa that I authorized payment and it can take up to 45days. Fast forward its XX/XX/XXXX and the property management still havent received the rent for this month. Im being charged late fees and chase is not disputing the transactions and know that Ive called over 10tens trying to resolve the problem they didnt even offer to help pay late fees now Im on the edge of eviction. Its XXXX dollars gone out my account I cant just get another XXXX to pay rent now its XXXX and chase is not helping me at all. They keep saying they received the money but the property management said nothing is on my account.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On my first complaint I told TransUnion to delete the accounts on my credit report that say included in bankruptcy because there is no bankruptcy on my credit report and now they want to do an investigation with the creditors. If the information on my credit report isnt 100 % accurate, why is Transunion breaking the law by keeping it on my credit report? On their response to my first complaint they said that accounts included in bankruptcy stay on the credit report for seven years and thats true but in my case there isnt a bankruptcy on my credit report so how can TransUnion violate what the FCRA says about a consumers credit report being 100 % accurate without any mistakes? I am so upset at the fact that this company is acting like they are above the FCRA and that they can report what ever information that they want even when the information is wrong.
Consumer complaint received 2023-02-01
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. (UT)

As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (TX)

This company received my request to validate the debt for {$1100.00} on XX/XX/XXXX with tracking # XXXX. When I pulled my credit report they did not furnished my account that it is on dispute. I sent another letter that they received on XX/XX/XXXX with tracking # XXXX. I have been sending them follow up letter regarding this account and they only sent me couple of letter without providing a valid proof that I owe the debt. Aside from that until now it's not furnished as being in dispute and it's been 2 years! I have also tried to challenge the accuracy of the reporting in Transunion but they removed it. How come it's still reporting in my credit report even without validating this debt properly.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (CA)

XXXX XXXX of XXXX XXXX sent me a letter stating they have placed a Lien against my house. I have not received any notice company bought off the XXXX XXXX loan that was charged off my credit report. XX/XX/XXXX I hired a credit repair company that did not process my case and charged me fees upfront without negotiating my debt and several of my accounts went into default. Since XX/XX/XXXX, these accounts have been charged off. In XX/XX/XXXX I received such a letter and have not received any correspondence on how to fix the issue. My children have recently heard or seen a nucence lady come to the door and ask for me but has not stated what business she has or will not leave a number or name. I understand I have gone in default on several loans but do not know how to make it right. I'm currently trying to refinance but am afraid this company is trying to block me from refinancing and there will not be a way to make things right if they have not followed the law by presenting the issue and allow consumers to make it right. Since hiring the credit repair company I have done all in my power to maintain my finances in line and pay off my debt. I believe this company has not presented its case in law that is fair to me as the consumer and there should be a way to take action again them, scare tactics are not an appropriate approach to making things right financially. 

Companies that may have purchased XXXX XXXX loans are CKS Prime Investments LLC and Velocity Investments , LLC.
Consumer complaint received 2018-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have a student loan that is part of the Public Service Loan Forgiveness Plan. I previously had my loan managed by two other servicers. I consolidated my loans into a Direct Loan almost ten years ago. I had to defer payment for a while, but then was in an income based repayment plan for at least the past five years with payments made either on time or within the 15 days of due date for them to count towards PSLF. When XXXX XXXX XXXX took over I heard that they were certifying employment and taking over. I sent in my paperwork. Within approximately 2 months my loan was transferred. My loans continually showed 0 payments as counting towards PSLF. I called and asked why. The rep told me it was because they didn't have the records from the two previous servicers. They told me to call back in a few months. I called back at 6 months and they still didn't have them. I kept checking my loans and saw that it said I had made 4 on one and 5 on the other that counted. I called back upset. The rep said they had received my records ands that all that counted. I asked why. She said I wasn't in the right repayment plan previously. I was in the IBR plan until the repaye plan began and switched over. Those should count. I asked what plan it said I was in. She couldn't tell me. I was very upset at this point. I asked for a letter explaining this to me. She said she would resubmit to have my payments recounted. I called back two days letter because I had been so upset and wanted to confirm all the information. The new rep said that no, my previous servicer info had never been received. That they were going to get it and recount my payments. I have not received any direct communication with them other than my eletronic bills. Who ever " counts '' the payments has never contacted me. I just keep getting told they don't have the information. The information has to exist somewhere of what my loan repayment status was and how much I have paid. It is extremely upsetting that I don't have direct access to my records anymore because they have been transferred to one servicer after another.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (CA)

{$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. 

On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. 

Then why did you dispute both the charges?
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Monthly maintenance fee of {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no explanation.
Consumer complaint received 2020-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (TX)

Capital Accounts called XX/XX/XXXX to collect a debt I was totally unaware of. Capital Accounts LLC had an old address on file that I had not lived at for over six months prior to the date the collection was filed which was XX/XX/XXXX. XX/XX/XXXX Capital Accounts LLC called to collect a debt, did not disclose the reason for calling before asking me my name, address, and phone number. Capital Accounts LLC had the wrong address on file and asked me to verify and correct information before disclosing who they were. I have since disputed Capital Accounts LLC with all three credit Bureaus, and they have been discharged from all three credit reports since XX/XX/XXXX. I have since spoken with several debt collectors from Capital Accounts LLC who continue to try to collect a debt that was successfully disputed and discharged. To no avail, I am still receiving calls from Capital Accounts LLC claiming I need to dispute with their administrators since I had them deleted. There is no reflection of Capital Accounts on XXXX, XXXX, and XXXX  as well as XXXX XXXX ( despite them not being a credit bureau ). I have informed Capital Accounts LLC multiple times since XX/XX/XXXX that I should not be receiving phone calls any longer yet I am still receiving seemingly harassing phone calls. I have asked for written documentation of the bill in XX/XX/XXXX and did not receive.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (WI)

Trouble reaching somebody at PayPal for the online account password recovery and reset and update information also there's a number on the back of a card which I can not reach a live person and I want to close this a card..
Consumer complaint received 2024-02-21
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)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 

In accordance to the XXXX XXXX XXXX XXXX Account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX states that I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX it also states a consumer agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (MI)

On 4 occasions over the past 2 months I have attempted to reach out to XXXX  to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report tacked on late fees and have begun harassing me with calls 2 to 3 times per day for the past 2 weeks.
Consumer complaint received 2021-05-06
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. (IL)

I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!
Consumer complaint received 2021-05-06
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. (IL)

I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!
Consumer complaint received 2021-05-06
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. (MD)

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the XXXX XXXX CT XXXX XXXX XXXX XXXX. I wrote the XXXX XXXX CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The XXXX XXXX CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from XXXX BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A VICTIM OF ID THEFT. I STARTED AN INVESTIGATION AND THE CREDIT BUREAUS MISTAKENLY PUT THE WRONG ACCOUNTS UNDER DISPUTE. I DISPUTED : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX AS YOU CAN SEE ON MY FTC REPORT, I DID NOT DSPUTE THE OTHER ACCOUNTS. THEY DELETED ACCOUNTS THAT BELONGS TO ME.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

I have a creditor named Santander that I had a vehicle with over 7 years ago. I have disputed the accuracy of last payment date which is inaccurate, and is severely hurting my credit score. The account still shows on XXXX  and refuses to be removed even after the 7 year statue. XXXX is not helping to actually investigate this issue.
Consumer complaint received 2021-05-06
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. (MD)

I mailed copies of the inquiries on my credit report asking to remove them. Someone is using my social security number. The credit bureau will not remove them. They put it back to me saying I'm responsible. I have been calling the credit bureau for 6 weeks, every other day. It's been longer than 30 days.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TN)

I WANT MY MONEY BACK I HAVE BEEN WAITING 5 MONTHS I HAVE MADE POLICE REPORTS BUT THE WAY THE CAMERA WAS POINTED DID CATCH THE THIEF.SO THEY COULD NOT CHARGE NOBODY.