davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a opportunity to resolve this issue. I filed a re-investigation, and still no lawful response from Transunion, XXXX and XXXX. Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act pursuant to [ 15 USC 1681s-2-b ( ii ) ] and [ 15 USC 1692 ( e ) 8 ( 2 ) A ]. I have legal documentation of my attempts to have inaccurate and false information removed.
Consumer complaint received 2024-02-07
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax did not recognize my ( correct ) login info online, nor even my email address. 
I called them and they said they were unable to verify me by the ( correct ) answers to the questions they asked. Their verification questions are ambiguous, but, I did answer them correctly. XXXX who identified himself as " XXXX XXXX said my only recourse was to call back later or submit documents. He would not allow me to speak to a supervisor with a better command of XXXX. 
I need to unlock my credit as part of an application, and they are not willing to help me. 
Shameful behavior.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-01-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am trying to open a savings account with XXXX XXXX XXXX and they are forcing me to give them my income information before I can open an account. I do not disclose my annual income with anyone and I can not find a law on the books that say they are required to gather this from their customers. What I do see is they want this information to target me for the sale of products and I do not want that. I have never hear of this in the past with any financial institution I do business with. Why do they ened annual income other than target sales?
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kovo (CA)

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX  credit report shows the following : Kovo INC shows balance {$240.00} oppened on XX/XX/23.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Filed and attempted multiple disputes on XX/XX/ hence no reply or action by company. I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information updated and corrected.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My chase credit report shows the following : JPMCB card shows credit balance of {$8100.00} with credit limit {$10000.00}.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CT)

My wife and I have a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( EIN XXXX ) specializing in art prints, room decor and melamine plates for children - all our products are 100 % Made in the USA. We have been in business since XXXX. 

Due to COVID-19 XXXX XXXX has seen a significant disruption and drop in orders and revenue combined with a loss of a Texas-based supplier of melamine plates. 

XXXX XXXX has 2 credit cards with Chase since approximately XXXX, and we never missed a payment ; in fact we always pay all our bills on time. In XX/XX/XXXX, I reached out to Chase regarding their advertised " COVID-19 support for XXXX XXXX  '' campaign that promised : " ... We're committed to supporting you during these challenging times ... ''. We did not have a minimum payment due on both cards between XXXX - XX/XX/XXXX. However, we have been charged exorbitant interest fees of {$1000.00} ( between XXXX - XXXX at 15.99 % ) on one card, and {$640.00} ( between XXXX - XXXX at 13.24 % ) on the other card. The interest rates continued to accrue during this COVID " assistance '' period. On XX/XX/XXXX I contacted Chase customer service explaining that we continue to face significant disruptions in our business due to COVID and requesting ( 1 ) a reduction in interest rates going forward ( so that we will pay off the cards ) and ( 2 ) a waiving of interest fees for XXXX - XXXX period. Ideally we would need a reduction in principal as well but we have not asked for that since the interest rates were according to Chase " non-negotiable ''. Chase 's hard-line approach and unwillingness to work with a XXXX XXXX  such as ours so as to allow us to stay in business and continue to XXXX here in USA is counter to the words and promises that Chase makes every day in the media and to government agencies and in the end will cause our and so many other XXXX XXXX to go out of business.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (MS)

CREDIT COLLECTION SVCS has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-07
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. (AE)

I am writing to bring to your attention a matter of grave concern regarding the improper handling of my personal information by certain companies. In XXXX of 2023, I took the necessary steps to file an FTC Identity Theft report, seeking resolution and protection of my rights. Regrettably, the companies in question chose to disregard my rightful request. Despite numerous subsequent attempts, conveyed through multiple letters, urging them to cease the transmission of my non-public information to non-affiliated third-party entities such as the CRAs, their response has been unsatisfactory, citing their purported " lawful duty to report accurate information ''. 

This situation has left me deeply perplexed and disheartened. It is alarming to witness these corporations wield such considerable power over individuals ' personal information, all while exploiting it for their own financial gain. What is even more distressing is the lack of recourse or respect afforded to me as a federally protected consumer. The companies implicated in this matter are unequivocally violating my rights safeguarded under 15 USC 1681, pertaining to permissible purpose under the FCRA. 

As such, I, XXXX XXXX XXXX, exercising my rights as a federally protected consumer, hereby declare my immediate and indefinite opt-out from any and all authorizations, whether written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 . It is imperative that my wishes be acknowledged and adhered to without delay. 

Moreover, it is imperative to note that despite my diligent efforts, it has been eight months since the filing of the FTC report, and the implicated corporations persist in their improper usage of my credit file, blatantly disregarding my requests. 

I implore you to take swift and decisive action to rectify this egregious violation of my federally protected rights. Your prompt attention to this matter is greatly appreciated. 

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 2021-11-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is not thoroughly investigating my complaint, instead they are responding with a generic response which is not relevant to my complaint! 

Complaint : Since XXXX XXXX my uncle added me on his XXXX credit card as an authorized user. 

The account has not reflected on my credit report. I have repeatedly contacted Equifax to be told by their customer service representatives the issue is with XXXX not reporting the account. 

I have escalated complaints with XXXX and after their investigation the account in mention has been reported to all credit bureaus since XX/XX/2020. 

This account is listed on all credit bureaus except Equifax. 

Equifax is not investigating this complaint and is providing me with a generic response. 

As this account is an authorized user account the possible issue is the account is listed with mixed details primary card holder information and my information I AM ASKING EQUIFAX TO INVESTIGATE AND CORRECTLY UPDATE MY CREDIT FILE.
Consumer complaint received 2024-02-07
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 am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-11-27
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

capitalone bank cards are in collusion with XXXX XXXX XXXX accounts are lock in to my credit files and wont come out. force transunion to unloack and get lettr of deletion from them
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-02-07
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. (TX)

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (CA)

As a victim of identity theft, I am submitting my third request to eliminate the following entries from my credit file, which are purportedly the result of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to effectuate removal no later than four business days following XX/XX/XXXX. I have previously raised this matter in a formal complaint and am reiterating it here along with the new identity theft report # XXXX. Additionally, certain data provided herein is unfamiliar to me, and some items have already been expunged by other bureaus, casting doubts on their accuracy. Kindly proceed with the removal of the following items associated with alleged identity theft : XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX  Date opened : XXXX XXXX, XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Failure to comply with this request will result in legal action. I have apprised my legal counsel of my intentions, and they are prepared to pursue legal recourse for your deliberate noncompliance. This serves as another warning.
Consumer complaint received 2021-10-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false information.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this company?
Consumer complaint received 2018-01-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I previously paid off this collection for an old rental payment of {$1200.00}. Once I spoke with the collections agency and it was paid, I requested the collections to remove delinquency from my credit report and the representative told me that they could not remove it. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency.