davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (NJ)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.
Consumer complaint received 2023-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (CA)

I contacted this creditor to negotiate the past due debt in good faith. I was told that the account had reached the 7 year statue of limit to collect in California according to FCRA guidelines and that the company was not licensed to collect debt in California but they would continue to report to on my credit to all 3 credit bureaus until the account reaches 10 years then they will decide if they will write it off as bad debt. They refuse to negotiate with me to settle the account and have it removed from my credit and claim they have every intention of ruining my credit up to 10 years until 2027. They refuse to remove this and threaten to ruin my credit up until year 2027.
Consumer complaint received 2023-11-02
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. (NC)

I, XXXX XXXX XXXX, a natural person, noticed an account in amount of {$630.00} round about XXXX, XXXX. In XXXX, XXXX I disputed the account as I had no idea what this was or the furnisher ( XXXX XXXX XXXX ) On XX/XX/XXXX TransUnion LLC responded with the account being verified and then later in XXXX, XXXX I noticed it had been removed from my TransUnion credit report until XXXX, XXXX when I got notification that a new account had been opened on my TransUnion credit report. According to 15 USC 1681i ( 5 ) ( B ) ( i ), TransUnion LLC has to certify accuracy of information. According to 15 USC 1681i ( 5 ) ( B ) ( ii ), TransUnion LLC shall notify the consumer when accounts are deleted and reinserted. I never received any notice according to 15 USC 1681i ( 5 ) ( B ) ( iii ), who the furnisher of information is, business name, telephone phone numbers or who contacted TransUnion LLC nor was I advised of how I could add a statement to the accuracy and completeness of the information from TransUnion LLC. Thus, my consumer rights have been violated. On XXXX and according to 15 USC 1681i ( 6 ) ( B ) ( iii ) I advised that I never received notice of reinsertion and I requested a description of the procedure used to determine the accuracy and completeness of the information according to 15 USC 1681i ( 7 ). Thus my consumer rights have been violated as I never received this information whatsoever. According to 15 USC 1681i ( a ) ( 2 ) ( A ) TransUnion LLC shall promptly provide and notify of Dispute to Furnisher of Information. My rights violated yet again because On XX/XX/XXXX, I received a response from TransUnion that the account had been previously verified and yet again no notice went out to the furnisher of information that I am disputing the information and thus my rights have been violated. I have made multiple attempts by certified mail to dispute the validity, amount of {$630.00} and accuracy and completeness of an account furnished by XXXX XXXX XXXX with TransUnion LLC. As a result of the reinvestigations never taking place, the account was never investigated.
Consumer complaint received 2023-06-28
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. (LA)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2019-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase Bank, N.A. sent the IRS a 1099-C for a student loan account from 20 years ago. Over the last 20 years I was financially unable to pay either unemployed or had too many financial debts. The lender refused to work out any kind of payment plan so the account became time barred about 10 years ago and now that I am employed they are using the 1099-C as leverage against me and retaliating because they can not garnish my current wages by lying to the IRS stating they forgave the debt in XXXX for which they never did, they never notified me of a debt forgiveness and they are trying to get another tax deduction for an unpaid debt they I am sure already received a tax deduction for and putting me in a position to have to pay tax on the debt. What business can get a tax deduction for an unpaid debt from years and years ago? If they are not gaining a tax deduction, then why did the submit the 1099-C if it is not an attempt to leverage the IRS against me or as retaliation for debts on their financial ledger they can not collect on because they are legally time barred? Since XXXX or XXXX the IRS changed their rule requiring creditors notify debtors of the forgiven debt within 36 months, now that that IRS rule has been eliminated it appears that the lender is taking liberty to go back years and years on time barred from legal action debts and taking a legal action anyway by filing a fraudulent 1099-C. I don't think the 1099-C can possibly be valid on such an old debt. This is consumer financial abuse for debts that are already time barred. The private student loans total {$19000.00} which is a great deal of tax I am being required to pay now. How can this be legal? Is it simply because a lender sends in a 1099-C?
Consumer complaint received 2024-11-01
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. (CA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2023-11-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC. (MI)

The account is with Optum Financial for a health savings account. This past XXXX I noticed a low balance on the account when I was updating my transactions into XXXX. I identified XXXX frauduent transactions and then called Optum. This inital contact was on I believe XX/XX/2023. I got an intial case # of XXXX and subsequently another case # of XXXX. They intially stated they would investigate and get back into contact with me. The account card was closed and a new card reissued. I never heard back on any progress and thus called back in XXXX. At this time they stated that I needed to complete a form to get any action on reimbursement. They claimed the form should arrive in a few weeks. I called back in XXXX when no form arrived in the mail. They stated that it was sent out, but they would reissue and verified my address. I called back on XX/XX/XXXX, I had still not received any form to complete and none of the fraudulent transactions had been reimbured to the account. At this point I asked them to email me the form. I called back on XX/XX/XXXX no email, and yes I checked the junk files. They tried again and stated it should arrive in XXXX  days. I told them at this time if it did not arrive I would register a complaint. Nothing has come. Reportedly the operator I talk to is not the one to actually sends out the form or email, it goes to their fraud department which has not acted. The XXXX transactions total {$340.00}. On a previous complaint to CFPB regarding another institution that Bank suddenly became quiet helpful in resolving the issue. I would appreciate your help here. thank you
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Put my address back on my XXXX credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for Transunion, XXXX, XXXX to the lastest credit report of 2023 of XX/XX/XXXX Thxs
Consumer complaint received 2024-11-01
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)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (FL)

These accounts is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (FL)

Multiple inquiries on my credit report, over the span of 6 months, there have been placed onto my credit report causing damages my credit score. I did not authorize any of the companies to use, pull, or check my credit report and Ive asked the companies to provide me with information that I allowed for them to check my report. None of my requests have been made and I am expecting that they take them off immediately
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax, XXXX and XXXX XXXX : Account Name : XXXXXXXX XXXX Account number : XXXX I received a correspondence from XXXXXXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXXXXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXXXXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( XXXX, Equifax, XXXX, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (PA)

Unauthorized inquiries appeared on my credit report today without explanation, and I'm extremely frustrated. I regularly check my report, and this time, there were discrepancies that I hadnt seen before. Refreshing the browser didnt fix anything, so Im asking for an immediate, careful review of the documents I provided to resolve this once and for all.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was charged a membership fee of {$45.00} that I was told last year that I would no longer be charged for. I was then charged two late payment fees of {$39.00} each month for two months. A total of {$110.00} was now overdue and reported to the credit bureaus as delinquent. The problem summary. I was NEVER informed via ebill that these amounts were charged. I did not receive hard copies of these amounts due. I was never telephoned to advise me that I owed this money. I was told that no membership fee would be charged to my account. I was advised of a credit file change by XXXX so I went to my XXXX account to verify this information. I then called XXXX at which time they initiated a credit to my account for {$110.00} and told me they did not know why I did not get my XXXX. My XXXX  was initiated several years ago and upon checking, my email, telephone number, and address were correct on their website. Because of this, I lost over XXXX points on my FICO scores. I have sent this information to XXXX starting a dispute on XX/XX/XXXX  the date I received the initial information. I have remained in contact with XXXX as they review my issues with XXXX and have retained a lawyer to help me reverse these erroneous issues and get my FICO score back! Just the other day, I received an email from XXXX asking me to verify my profile ( email and address ) change which NEVER took place!
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-02
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. (PA)

I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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