davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (ID)

XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.
Consumer complaint received 2024-11-15
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
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. (TX)

IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE DISPUTED NUMEROUS TIMES WITH EQUIFAX ABOUT THIS FRAUDULENT ADDRESS THAT DOESNT BELONG TO ME. THIS SAME ADDRESS COTINUES TO REAPPEAR ONLY ON MY EQUIFAX CREDIT FILE AND I DON'T KNOW WHY WHEN I HAVE NEVER STAYED NOR RESIDED AT THIS RESIDENCE OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I HAVE CALLED INTO EQUIFAX TO HAVE THE FRAUDULENT ADDRESS REMOVED AS WELL AS THIS WILL BE MY SECOND COMPLAINT WITH THE CFPB ABOUT EQUIFAX ALLOWING FICITIOUS INFORMATION TO BE PUT ON CONSUMERS FILES. THEY HAVE REMOVED IT THE ADDRESS AND THEN IT REAPPEARS. I HAVE LIVED IN THE SAME HOME ALL MY LIFE. NOT A FREAKING APARTMENT COMPLEX.
Consumer complaint received 2024-11-15
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. (NC)

I am writing to dispute the accuracy of an alleged debt reported by XXXX XXXX XXXX XXXX on my credit report. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and demand immediate compliance with the law. 
Violations and Legal Concerns Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Your agency failed to remove this unverifiable information after my dispute, in violation of the FCRA.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Reporting inaccurate and unverifiable information without proper investigation violates your duty to ensure accuracy.

Violation of Permissible Purpose ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Reporting a debt without proper validation or authorization violates FCRA provisions.

Demand for Action To resolve this matter, I demand the following actions : Delete the disputed debt from my credit report immediately.

Provide me with a written explanation of the steps taken to verify the accuracy of this information, as required under 15 U.S.
C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Ensure that XXXX XXXX XXXX XXXX complies with 15 U.S.C. 1681b ( e ) ( 6 ) regarding permissible purposes for reporting this debt.

Notice of Intent to Sue If you fail to comply within 15 calendar days of receipt of this letter, I will escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Reporting your bureau to the state attorney generals office.

Pursuing legal action under the FCRA, seeking damages for non-compliance with 15 U.S.C. 1681e and 1681i.

This letter also serves as a formal request to preserve all records related to this dispute.
Consumer complaint received 2024-11-15
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. (CA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7100.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8300.00XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-16
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. (CA)

i did not ask Transunion to freeze my report. they did it they did not remove the identity theft, which they have a case # for and uusporting docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of ally financials XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked XXXX  days late or XXXX most of the time and the loan never defaulted. how do you go frim paid or defferred to XXXX days late. they did this for many years after a lot. XXXX may be responsible but bot my fault
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2018-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

This will be the THIRD time this year my card has had unauthorized funds taken out by a theif. When I contacted chase I was advised a credit would take place to only have them ( without any explanation ) take the funds back out of my account! 

The most recent transaction : XX/XX/2018 Debit card lost/stolen I received an email from chase which stated suspicious transactions and requested confirm the transactions and or contact them. 
I contacted chase accordingly and quickly learned that 3 transactions had been made, with out my knowledge from an unknown party/theif. 
I was advised a credit would be placed and a new debit card would be issued. 
I now have received a letter from chase in the mail that reflects yet again that they are taking the funds out that they credited for these unauthorized charges!! 

There is no explanation in this letter as to why they are doing this! The letter is dated XX/XX/2018 and I just received it today XX/XX/2018 and they plan to take the funds XX/XX/2018. 

I attempted to contact Chase customer care to get a better understanding why I was being forced to pay for a transaction unauthorized and I was hung up on a total of 8 times. No explanation once again.
Consumer complaint received 2018-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
Consumer complaint received 2024-11-16
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

This is regarding the currency exchange I made at Chase Bank branch at XXXX XXXX XXXX XXXX, NJ XXXX, on XX/XX/2018. 
I asked to exchange about XXXX US dollar to XXXX Krona. I asked about rate. The bank teller hesitates a while, and said I could exchange XXXX Krona for XXXX USD with the rate about XXXX. I asked if there is any other fee. The answer is no. As a longtime Chase Bank customer, I did not think much. I took the receipt after the teller placed the order, and leave. 
I looked at the fine print on the receipts later, and found that it says the rate includes commissions. I went online and did a quick calculation. Based on the published market exchange rate at that day, XXXX Krona equals to about XXXX USD. So the exchange rate from Chase Bank is over 11 % higher. 
I think it is cheating by including high commissions into the exchange rate, and not informing the customer about it in advance.
Consumer complaint received 2018-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. 
Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. 
As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. 

NOTIFICATION didn't disclose it was an attempt to collect a debt. 

Consumer didn't receive notice of right to dispute.
Consumer complaint received 2018-11-11
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. (FL)

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-15
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 am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-15
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. (CA)

Please take this seriously as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed by TransUnion. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2018-11-11
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. (GA)

I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX account number XXXX Date opened is inaccurate : XX/XX/XXXX and also Amount Past Due reflecting {$890.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/XXXX and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2024-11-15
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. (MD)

Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with XXXX, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX,
Consumer complaint received 2024-11-15
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments posting to my report that was in fact paid on time. The Consumer reporting agencies shall report all information with complete accuracy. 

Pursuant to 15 U.S. Code 1681e Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

In fact according to the consumer these accounts have not been reported late on payments. I have attached a copy of my report to this complaint on the following dates. 

Transunion : XXXX XXXX XXXX XXXXXXXX Acct : XXXX Reported Late : XX/XX/XXXX 30 days late Status : Paid/Closed 60 days late XXXX : XXXX XXXX XXXX XXXX XXXX Reported Late : XX/XX/XXXX, 30 days late Status : Paid/Closed XXXX : XXXX XXXX Acct. XXXX Reported Late : XX/XX/XXXX 60 days late Status : Paid/Closed
Consumer complaint received 2018-11-11
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. (VA)

File # XXXX I disputed 3 times but Transunion continuous to violate Federal Law and my rights. They start a dispute and finish it in 10 days without Verification. I attached 3 documents ( PROOFS ) from creditor that I am on time and car has been paid off. Transunion doesn't read my documents. If it continuous like that my lawyer will take a legal action both to Transunion and CFPB. See the attached files.
Consumer complaint received 2016-03-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

cars was total loss in XXXX 2016 and to date they have yet to complete the claim. my XXXX insurance has attempted to work with them and do to there delay in processing held the payment up costing me more in intrest. now the agency that is handling the claim has advise me they are a third party and can not seem to give me an exact total off funds of hich i should pay to pay off loan.
Consumer complaint received 2023-08-15
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.