davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (DE)

To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. 
I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX  XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX  XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SC)

Back in The beginning of XX/XX/2022 I made a call to Navient trying to lower my payments ( as I have done many times in the last couple of years ). I have never received any assistance in lowering my payments and was told they could only reduce it by probably {$40.00} at most. I was always asked the question how much can you afford to pay followed by is that all. When returning to the line it was always there is very that we can do to help if any help at all. Ive explained several times that I am a single parent that receives no financial aid from the father so I dont understand how I can pay for roof over my head and afford student loans. Navient has this suit going on and I dont know if I qualify simply because I always scraped up what I could to pay so Im unsure if Ive ever been delinquent for 7 straight months. I was always tricked into forbearance but interest always grew so I could never lower my amount. How is it that people who allowed their accounts to become delinquent get all their loans paid off? Were they even trying? Had I even let mine go that far I would have been called 20 times a day.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc. (TX)

I have filed complaint regards to this matter that Mr Cooper ran my credit and still reporting to credit bureaus even though I have their emails and they were agreed to remove it and after that they failed to respond everything.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. these accounts are with DEPARTMENT OF EDUCATION NELNET INC, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OXXXX EDUCATION 'S NELNET XXXXNC. which is ( still reporting )?, XXXX has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted Nelnet Inc, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the Nelnet Class action suit filed XX/XX/2021 due to predatory lending.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Transunion several inaccurate and unfair practices. Transunion breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Transunion is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Transunion has brought upon me the consumer for knowingly violating and practicing the behavior.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I use Chase Bank as my primary bank for my business, and I submitted a claim on XX/XX/2021 for an unauthorized charge on my debit card which happened on XX/XX/2021. 

I called them and told them " {$1200.00} from Amazon.com on XX/XX/2021 is an unauthorized charge, so I want to file a claim for that transaction. '' They asked me " Is that the only unauthorized charge? I see that you have monthly charge from Amazon Prime, on the 12th of every month, since XXXX of 2021. Are those valid charges? '' I said " No those are not my charges. '' They said " Okay, we will include those 6 monthly charges from XXXX in this claim. '' Few weeks later they told me they can not give me credit for {$1200.00} transaction because they " can only issue credit for the transactions that occurred within 35 days from the very first unauthorized charge '' They said " Sir, your claim includes total of 7 charges, and we have to apply the 35 days rule, so we can only give you credit for first two transactions. 

So instead of crediting me for {$1200.00}, they gave me a credit for two {$14.00} Amazon Prime monthly charges. Total of {$28.00}. 

I told them " who told you to group those charges into one claim? You guys need to separate those charges into two claims, one claim for the Amazon Prime monthly charges, and one claim for the Amazon.com charge of {$1200.00}. Those transactions are different in nature, so it is unfair for the bank to to group all those charges into one claim. '' They said " Sorry sir, we already processed the claim so we can not make any changes. '' I called them several times to complain about this issue but they were not willing to reconsider their decision. They wouldn't even give me their last names, email address, phone numbers, or employee ID number. 

I also sent them an official complaint letter twice, first one on XX/XX/2021 and second one on XX/XX/2021, but I received no response whatsoever. No phone calls, no emails, no letters. 

This is an unfair, deceptive, and misleading practice of JPMorgan Chase Bank. I trusted them to protect my money safely, but not only they failed to do so by allowing unauthorized charge go through without sending me any verification or confirmation of the transaction, they later denied my claim using some BS rules that they made internally. I am not even sure if that 35 day rule actually exists.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-14
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I went to XXXX XXXX XXXX as my lease was about to expire. During the lease buyout I was informed that Fifth Third Bank showed 3 missed payments on my credit report, which otherwise did not have any negative reports. As a result, I was not able to get a good interest rate on my new loan. 

On XX/XX/XXXX, I entered into a loss mitigation agreement with Fifth Third Bank regarding those 3 missed payments, which payments were placed at the back of the loan. I had co-signed on a car loan for my son, who had lost his job due to COVID-19 and was unable to make the payments. I explained this to Fifth Third Bank, which resulted in this agreement. 

I did not know that these missed payments were reported to the credit reporting agencies and would have disputed it earlier had I known. I called Fifth Third Bank on XX/XX/XXXX and they were not willing to fix the issue and basically said there was nothing they could do and to submit a complaint with ftc.gov.
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (MN)

My mortgage through LoanDepot has reached its 80 % XXXX based on original appraised values, etc. I emailed them requesting to remove PMI from mortgage account over a month ago, and was told I would receive an update by XX/XX/22. No update was given, so I reached out to them again last week via their private that and was told it would be reviewed and they have not responded. I am requesting assistance to get the PMI removed ( one PMI payment has already been deducted from my escrow after the original deadline they gave me ).
Consumer complaint received 2022-01-15
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. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2022-01-16
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. (IL)

I sent a letter describing my disputes. I pulled my weekly credit report, as allowed due to COVID-19, and all of my disputes are not reflecting in the credit report. In multiple letters I sent disputes for inquiries, account, and a collection that recently appeared. These entries should be showing " under investigation ''. Only on item is showing that when it should be multiple.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I booked a stay at the XXXX XXXX XXXX in XXXX XXXX, SC for XX/XX/XXXX through XX/XX/2021 using Chase Ultimate Rewards Travel. The reservation was for an ocean view suite with two double beds. When we checked in, we were given a " sunset view '' ( city side room ) with 1 bed and sofa bed. We complained to the front desk. They did not have an ocean view suite available to move us to. We asked about why our room was not correct. They said that the booking came in through agoda.com as a sunset view room. I immediately contacted Chase concerning the issue. They told me that they agreed that I had made a reservation for an ocean view room and that they would look into the matter. 
After numerous phone calls to Chase, they are still " investigating '' the issue. The response is always, call back in another 24 to 48 hours for an update. This has been going on for over two weeks now. They talk about refunding my points, but that has not happened. I asked for the matter to be escalated to another management level over a week ago. That has still not happened. 
In addition, when I checked in at the hotel, I was charged an additional {$94.00}. The bill was unitemized so I could never determine exactly what it was for. The hotel employees kept changing the story as to what the charge was for. I asked for an itemized bill at the front desk, but they refused to give me one. At one point, a front desk worker claimed the bill was for resort fees, although the total amount was greater than expected cost for resort fees. In any case, I complained about issues with the hotel ( including room phone not working, heater broken in hot tub ) and the employee agreed to remove the charges, but would not offer a receipt for that. I do have an audio recording of her making the statement about refunding the fees. As far as I can tell, the hotel has not refunded the fees yet.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : 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 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