davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (LA)

I would like to dispute these inaccurate accounts on my credit report. 

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Consumer complaint received 2024-10-15
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. (NH)

Second Dispute of Unauthorized Late Payment Reporting for XXXX Auto Account ( # XXXX ) ** Dear TransUnion, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute regarding two late payments recorded for XX/XX/XXXX and XX/XX/XXXX, which I can confirm were both paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of no change needed is unsatisfactory and a clear failure to comply with my lawful request. 

In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. 
The tracking number proving that each periodic statement was delivered to me at least 21 days before the respective payment due date. 
As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. TransUnion has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), case # XXXX, regarding this issue. 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. 

Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. 

Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.
Consumer complaint received 2020-04-22
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: JPMORGAN CHASE & CO. (TX)

Someone used my previously unused Chase credit card fraudulently for months. I was never notified of the use and it was obviously not mine. I reported fraud and the credit card company agreed and also agreed to remove it from my credit report which has still not happened. They reported it past due XXXX and XXXX of 2020, I only discovered it due to seeing it on my credit report at which point I immediately closed the account, reported fraud and disputed the report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 my wifes purse was stolen from the vehicle. Among items Stolen was a Chase credit card ending in XXXX. My wife called Chase to cancel the card ASAP. The thief used the card within 30 minutes at Best Buy to make a {$1400.00} purchase. I dont understand how since on the back of the card it says SEE ID! When my wife cancelled the card she was told not to worry about the charges. 
The cancellation was confirmed via letter on XX/XX/2020. On XX/XX/2020 we received a letter that Chase completed the investigation and found that we are responsible for the transaction because you received a benefit from this transaction. We emailed back Chase ( because theres no way to contact them over the phone ) with the Police report we filled. The perpetrator is a XXXX  XXXX XXXX  male and my wife is a petite XXXX. We sent them the deputy info with the case number. 
On XX/XX/2020 we received a 3rd letter that Chase reviewed the fraud claim again and found that the transaction is valid. I dont understand how they can claim the transaction is valid when it wasnt performed by anyone authorized to use the card nor sign for it?!?! 
In addition, Chase provided this to the credit reporting agencies and warned us that it may not be reflected accurately. They stated they closed the fraud claim and assured us they researched the fraud claim thoroughly. How did they do that when they didnt contact the deputy in charge of the case. We have the email we went chase at the email indicated by them.
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Over the years Portfolio Recovery Associates has inaccurately reported debt to my credit report bureaus. They've been reporting on a monthly basis for several years severely damaging my credit for a debt that's not owe or belonging to me. They are the ONLY debt collection agency in my report which should tell you that I'm not a person who doesn't pay their bills. 

I've tried various methods to get them to remove the debt. I've sent them numerous certified letters to validate that the debt owed by me, I've disputed the debt various times with the credit bureaus and even spoke with Portfolios representatives via the phone. To now avail have they been able to validate the debt and still refuse to remove it, years later. 

This type of inaccurate illegal reporting is hurting my credit and they can't seem to justify or validate their claims or why.
Consumer complaint received 2024-10-15
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 noticed incorrect information on my credit report concerning 15 USC 1681c-2. Unauthorized inquiries are listed, which are affecting my credit, so I ask that they be removed.
Consumer complaint received 2024-10-14
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. (OH)

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX. I am a survivor and victim of XXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my XXXX  experience. FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of human XXXX  or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a XXXX  survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the XXXX  I have already endured. Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX XXXX.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of American put incorrect information on my Credit Report. Listed a large sum of money due since 2011 as an outstanding past due balance when this account/loan was actually paid off to a XXXX balance. 
There incorrect posting caused disqualification to several job positions I applied to for employment. When contacting them of the incorrect information they acted like it was no big deal and didn't even apologize. 
" Abuse of Power ''
Consumer complaint received 2024-10-14
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-15
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)

Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Consumer complaint received 2019-07-28
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. (SC)

IrequestedthatseveralfraudaccountsberemovedfrommycreditbutinsteadofTransUnionremovingtheseaccountstheymarkedtheaccountsasclosed.TheaccountslistedforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXX,XXXXXXXX,shouldbedeleted.Imadethisrequestwellover60daysago.IamRequestingthatthesefraudaccountsonceagainberemovedfrommycreditreportforXXXXXXXX,XXXXXXXXXXXX,XXXX,XXXX,andXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.Ihavesentinpolicereports,identitytheftreports,ID&socialsecurityprovingthattheseaccountsarenotmine.PLEATEPERMANETLYDELETETHEABOVEACCOUNTS.
Consumer complaint received 2020-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MT)

I am in the Public Service Loan Forgiveness Program and I made my 119th monthly payment on XX/XX/2020 through XXXX. Due to the CARES Act I do not have a payment due until XX/XX/2020. However the XXXX states that each month for which a loan payment was suspended under this law shall be treated as if the borrower made a payment for the purpose of any loan forgiveness program for which the borrower would have otherwise qualified. 
This means that for borrowers in an income-driven repayment plan, the suspended payments are considered qualifying payments that can be counted toward forgiveness. Borrowers working toward Public Service Loan Forgiveness will also have time in suspension counted toward their 10 years of qualifying payments. My statement should have come out out on XX/XX/XXXX. I am still employed by the State of Montana and have met all of the qualifications for forgiveness as the XXXX payment would have been my 120th payment. FedLoan has had a history of not correctly assigning my payments and I have had to go through CFPB to get them to correct their errors. I clearly qualify for forgiveness as of XX/XX/XXXX as that is when my bill would have gone out. Please force them to quit violating the CARES Act on my account and grant my loan forgiveness. Thank you for your help.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

I am an XXXX XXXX  in XXXX XXXX  XXXX. I want to make complain against TRANSWORLD SYSTEM INC. the collection agency. who asking me to pay {$7600.00} as a fine of not to paying toll. They send DMV to suspend my registration. I spoke with the collector before dmv suspend my registration. I request the collector to consider my situation. Where entire nation is in emergency for Covid-19 virus. XXXX XXXX  XXXX is being paused since XX/XX/XXXX to until now. I did not receive any letter from the collector. One i got notice from DMV I contact with them.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been sending disputes to the credit bureaus since XX/XX/year> and not once have I had any deletions nor have they even sent me any documentation that they are even processing my disputes. This is utterly sad that the credit bureaus are NOT DOING THEIR JOBS!!!!!!! I am going to the XXXX  Next. 


See attached
Consumer complaint received 2017-09-20
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. (NY)

I consolidated my Federal Student Loans with XXXX in XXXX 2016, but XXXX is still currently showing that I still have a Federal Student Loans with them - the 3 accounts are opened, showing the 3 accounts with a balance, showing that my payments have been deferred - in good standings, and that I still owe them. 

I have been contacting XXXX both verbally and in writing about correcting this information. XXXX is no longer the agencies for my Student Loans, the accounts have been paid in full to XXXX, the accounts should be closed - show a XXXX balance. But they have yet to do so.
Consumer complaint received 2019-12-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NJ)

I availed of a 60-month auto finance loan from TD Auto Finance (TDAF). The last payment was due XX/XX/XXXX. I had paid 59 payments for the vehicle on time, via an automatic online payment system, with each payment close to $3000, ON TIME EVERYTIME. I was NEVER LATE.I received a letter from TDAF datedXX/XX/XXXX advising me to 'watch your mail for a separate invoice from TDAF. You can send it your payment to the address on the remittance slip that is included with the invoice'.  (See attached image, with higlights). I waited for the invoice which I never received. When I was contacted in late XXXX/early XXXX by TDAF, I mentioned to the caller that I did not get the invoice as promised in the email. I then settled all outstanding amounts in the same call using my credit card immediately.In late XXXX/early XXXX I learned of the adverse reporting by TDAF to the credit agencies affecting my credit score. I contacted XXXX and explained the situation to them. They advised me to contact TDAF. I sent in all the paperwork to TDAF in earlyXX/XX/XXXX explaining the entire sequence of events. I contacted them on XX/XX/XXXX, and was informed that the dispute resolution response had been mailed to me. Having received NOTHING in the mail, I contacted them again on XX/XX/XXXX to learn that their Dispute Resolution team was unwilling to change their reporting to the credit agencies. I explained that I disagree strongly with their conclusion, and I have no recourse but to escalate the process.
Consumer complaint received 2024-10-15
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)

Good day, this complaint is not sent in error please take this seriously. There seems to be items that was mixed on my credit report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXXXXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.