davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I received a promotional offer in the mail in XXXX from American Express and was given a credit card with a {$14000.00} spending limit. I had the credit card for 1 year and AMEX abruptly without notice reduced mt credit limit to {$7000.00} in XX/XX/XXXX. I was harassed and told to pay {$3500.00} or to submit supporting documents reflecting additional income. I was never allowed to submit these supporting documents and their credit line department closed my appeal case and denied restoring my credit increase. 
I have called AMEX over 40 times and every time I need to explain the situation and am being told that my appeal is already closed and they can not do anything. One associate told me just simply to apply for a credit increase in which I  did and was denied and given multiple reasons as to why i was denied ( the letter was generic and DID NOT specify reasons for my specific denial decision. I requested a Manuel Review and that too was denied because they were looking at information from XXXX! I have been told multiple times by AMEX employees in other countries i.e. XXXX, XXXX, that the underwriting team in the United Stated made that decisions and that that department does not nor will not speak to a consumer. 
Please help me! 
I need to restore credit limit. This has affected my life significantly. My credit score dropped nearly 100 points because of their unethical actions. By increasing my credit limit, this would allow for my credit score to go back up and allow me to buy a home for my XXXX small children and myself. AMEX has ruined my life! I was NEVER allowed to submit supporting documents. I feel bullied and emotionally have been thrown around by this credit card company and their lies of manipulation!
Consumer complaint received 2024-02-03
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)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX & XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Date Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance {$310.00} XXXX XXXXXXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00} XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-03
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. (KY)

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt XXXX have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Over the past two years, chase bank has been incapable of protecting my account from online fraudulent charges. Each time this happens, Im inconvenienced by this, by the lack of funds and having to get a new debit card. My purchases are the same each month, I dont stray from my monthly spending, and am careful with my transactions. This recent occurrence has left me with negative funds and fees from my bank. I filed a claim, was told it was taken care of, only to wake up to the charges being reversed with no notice.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OR)

I am a victim of ID Theft. Someone took my information and opened a checking account with US Bank. I have been reaching out to US Bank monthly since XX/XX/2021 to have US Bank close this as fraud and they are not closing the account. They keep telling me it is closed but the account is not zeroed out so the negative balance is still reflecting and US Bank is sending me letters requesting I pay this. I get a " Pay '' letter every month with threats that they will report this to my credit report. I did not open this account, I will not pay for something I didn't do, and US Bank needs to correct their error in approving and opening a fraudulent account. US Bank is threating me and demanding money from me and that is extortion. At this point I feel like US Bank is not closing and resolving this properly because they are in the fraud/inside job among their employees. This bank needs to be investigated to the fullest like you did with XXXX XXXX for their scandal.
Consumer complaint received 2024-02-03
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)

I was notified today that my credit dropped XXXX points. When I checked my credit report, it said I opened an account at XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX  on XX/XX/XXXX. I've never been to those banks in my life. I contacted both and both told me someone opened an account in my name using my social security number. The fraudulent individual has already spent {$13000.00} on the XXXX XXXX account and {$3000.00} on the XXXX XXXX account. XXXX XXXX has frozen the account and I am currently on hold with XXXX XXXX, but they said this was the next step in the process.
Consumer complaint received 2024-02-03
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. (NJ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (AL)

I contacted chime regarding a charge for derive that was required to be made XXXX for a service used in XXXX. I was informed by the merchant that I would mot be able to utilize service even though Id already paid the fees. I filed a dispute on XXXX with chime, in less than 24 hours chime declined my dispute. I immediately called chime and spoke with an individual who could not speak English very well, she began speaking in XXXX and eventually hung up. I was told they did not find any wrong in the claim but they denied it less that 24 hours.
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (MA)

I DON'T RECOGNIZE ANY OF THIS INQUIRIES 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
Consumer complaint received 2024-02-03
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I applied for a XXXX card but had put a freeze on my credit due to Medicare being breached, was notified by XXXX on XX/XX/XXXX to call TransUnion, lift the freeze then call XXXX to process. Lifted freeze eff. XX/XX/XXXX thru XX/XX/XXXX, XXXX neglected to process the application and I was told to do it again on XX/XX/XXXX, called TransUnion, was asked security questions about ex husband???, been divorced XXXX XXXX XXXX I know nothing about him, would not lift freeze, said I failed security questions. XXXX is going on??
Consumer complaint received 2016-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DC)

XX/XX/XXXX, I submitted my tax documents from the year before, to my loan holder, MyFedLoans. In XX/XX/XXXX, I received a notice that I was no longer on the income-based repayment plan because I did not submit my tax documents. When I called to argue that I had submitted them, I was told that I submitted them with a different form, for the Public Service Loan Forgiveness program, so they were not used for updating my IBR plan and I would have to re-submit the same tax info again. It would also take 2-3 months to be processed during which time I could either pay the amount of more than six times my IBR plan or go on forbearance. Obviously I could not afford that, so I went on forbearance. XXXX months later, I was notified that my application had been denied because I had not marked that I was on forbearance. When I went to reapply, there was nowhere to mark that I was on forbearance so I called the loan provider who told me that I had incorrectly marked that I was applying to get onto an IBR plan, when in fact I was still on the IBR plan. Of course, I argued that I was not as I had been receiving bills for an amount that was well above my income and was told that that was because my plan had expired, but I was still on it. I reapplied again and the representative suggested that I not continue my forbearance but rather wait to make a payment until my application was approved because they do not report delinquent payments for 90 days. I suggested that did not make me comfortable and am still waiting to be reapproved and put back on the IBR plan, that I am apparently still on, even though my bills show otherwise. I should also add that every piece of documentation I receive from the lender states that I either was or was not approved on the following loans and then lists several pages of words, through which I must hunt to figure out what this piece of paper actually says. I have completed graduate school with the highest degree offered in my field and worked for several years as a paralegal and still struggle to understand communications and my role in this relationship. I try very hard to be on top of my finances and pay my bills but this is impossible!
Consumer complaint received 2024-02-03
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)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (WI)

I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Consumer complaint received 2024-02-03
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. (DE)

Despite my repeated attempts to rectify inaccuracies on my credit report, I have encountered significant obstacles in obtaining resolution from TransUnion XXXX XXXX communication was XX/XX/2024. 

Upon reviewing my credit report and submitting multiple disputes regarding the accounts in question, I received a response from TransUnion stating that my dispute results the accounts were verified when in no way this is true as I still have multiple inaccuracies on my credit report. Multiple inquires have been deleted even ones attached to the accounts in question. These actions have left me in a state of frustration and uncertainty regarding the accuracy of my credit report. 

As a consumer protected under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights, including the expectation that consumer reporting agencies follow reasonable procedures to ensure the accuracy of information contained in consumer reports. Additionally, upon receiving a dispute from a consumer, agencies are mandated to conduct a reasonable reinvestigation to verify the accuracy of disputed information. It is evident that TransUnion has failed to adhere to these obligations, as the inaccuracies on my credit report persist, including erroneous personal information and employer details. 

Accounts : XXXX XXXX XXXX XXXX XXXX  These ongoing discrepancies have not only caused emotional distress but also constitute a defamation of character. As such, I demand that TransUnion promptly conduct a thorough investigation into the disputed items on my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). This investigation should involve obtaining verification of the accuracy of the information from the original sources and providing me with a written explanation of the results. 

Furthermore, I request that TransUnion take immediate action to correct any inaccuracies found during the investigation and remove frivolous accounts from my credit report. It is imperative that my credit report accurately reflects my financial standing and that I am able to access and review it without hindrance. 

I trust that TransUnion will prioritize the resolution of these matters and uphold its responsibilities under consumer protection laws.
Consumer complaint received 2024-02-03
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)

I noticed on my credit report there are XXXX late payments with XXXX XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (CT)

I have been checking my credit bureau and there are inquiries that i have not authorized. Therefore, i am using my physical, mental and emotional faculties to make it clear that these hard inquiries do not belong to me, much less have i authorized them. The XXXX XXXX XXXXXXXX hard inquiries made on XXXX and the XXXX XXXX XXXX hard inquiry made on XXXX were made without my authorization, and kindly and cordially request that they be removed from my 3 credit bureaus.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$80.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$9900.00} XXXX {$1000.00} XXXX {$870.00} XXXX {$1700.00} XXXX {$8000.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2024-02-03
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)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-03
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 submitted complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report. I would like to have this resolved immediately because i need to close on my home in less 30 days.