davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX  " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

XXXX XXXX XXXX XXXX XXXX XXXX Please send me the documents that prove that I was late. If you can't prove that you had proof, you need to remove these late remarks.
Consumer complaint received 2019-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have spoken with Fedloan multiple times over the past few months about getting all of my loans into a REPAYE plan and placing all my loans on the same schedule as I am a medical resident and qualify for the PSLF program and need to be in an IBR plan. I was approved for the REPAYE plan on XX/XX/19 and all my loans were placed on the REPAYE plan. Then, a few weeks later on XX/XX/19, out of nowhere, some of my loans lost their forbearance and deferment status and were suddenly placed in repayment on a Standard repayment plan. I called and was told that this was a mistake and my loans were going to be replaced into forbearance so that all my loans would go into repayment at the same time. That was fixed and all my loans were back in REPAYE. Then, on Friday XX/XX/19 I received a letter saying my loan terms were recalculated and I was placed back into the standard repayment plan. I called on that day and was told that an error occurred on behalf of fedloan when my application for REPAYE was initially approved. They said I should have never been placed in the REPAYE plan and in order to get my loans back on the REPAYE plan they must generate an exit bill that I have to pay in order to go pack into REPAYE. My conversation was left stating if I pay the generated bill of {$5.00}, all my loans will go into REPAYE when they process my IDR application and I will not be responsible for any other payments towards my loans during the months it takes to process this. On XX/XX/19 I paid the {$5.00} bill and was told it would take up to 20 days to process my IDR application ( that at this point was submitted on XX/XX/19 ). Today is now 20 days since payment and my account has not been switched back into REPAYE and I received a new bill for XXXX of over {$3000.00} since I am still on the standard plan. Since I am eligible for PSLF, I have now missed out on 2 payments towards the program, which is frustrating as I am eager to begin making eligible payments towards the program. Throughout all of this, I have contacted fedloan multiple times via phone and email. My email on XX/XX/19 was never answered by the company.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

These are not my accounts accounts where opened fraudulently. I have know knowledge of accounts that are being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted FTC report as well as a dispute letters to all three credit bureaus documents verifying my identity. The account was removed in the past as well as the inquiry, however the account was reinstated back to my credit file.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My car was broken into, and Somebody stole my Identity and put fradualent checks into my account etc. they had access to my phone because it didnt have a code now I have this on my credit and I cant bank any bank accounts. Its thru bank of America I told them and they didnt do anything
Consumer complaint received 2024-08-08
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: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-05
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. (OH)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 XXXX5 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-05
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. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I contacted IC systems once I saw them on my credit report regarding a payment. I contacted them via the phone to ask what payment this referred to. I was informed that it was an account from XXXX. But, I stopped my XXXX  service once I changed residence a year back. I needed to return the router to XXXX. Once, I returned the router I was told by XXXX employees that everything was resolved. Further details were that a different collection agency in 2023, had contacted me regarding XXXX. On contacting them as well as XXXX, I was told about the issue and resolved it. Again, I resolved it in 2023. I would like to in light of this misunderstanding or miscommunication, have IC system remove the reporting on my credit report.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

This is my second complaint to the CFPB about this issue as the first complaint was not resolved successfully by Chase. 

After the first complaint, Chase claimed they have added all of the mileage points accumulated with the Chase British Airways Avios credit card into my British Airways account. However, this is false, as they have yet to add the mileage points accumulated from opening the credit card in XX/XX/XXXX through XX/XX/XXXX. 

Upon opening the credit card in XX/XX/XXXX, I accumulated XXXX points that month. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached all of my monthly statements to prove the amount of the mileage points still missing from my British Airways account.

I have also attached the mileage page from my current British Airways account to show that Chase has only added the points since XX/XX/XXXX until current, but they have failed to add XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2024-08-05
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. (CT)

I am filing a complaint against TransUnion due to their failure to respond to my dispute letters within the required timeframe, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I mailed two dispute letters to TransUnion via USPS certified mail. The first letter, with tracking number XXXX, was delivered on XX/XX/2024. In this letter, I requested an investigation into the following inaccurate items on my report : XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX  XXXX XXXX  : XXXX, XXXX  : XXXX, XXXX  : XXXX, and Public Record Reference Number : XXXX. Additionally, I disputed the following incorrect personal information : Incorrect name : XXXX XXXX XXXX, as well as incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, CT, XXXX and XXXX XXXX XXXX  XXXX, XXXX XXXX, CT, XXXX. 

The second letter, with tracking number XXXX, was also delivered on XX/XX/2024. In this letter, I disputed the items XXXX  XXXX XXXX  - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX, and XXXX XXXX - XXXX and specifically requested TransUnion to provide their method of verification. I asked for the specific date on which they initiated contact with the creditor regarding the disputed item, the complete contact information for the creditor including their business name, address, and any available telephone numbers, the full name of the individual at the creditor 's end who verified the accuracy of the disputed information, and the method ( s ) through which they communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). I also requested confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite providing all necessary documentation, including a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address, I have not received any response from TransUnion regarding these disputes. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with USPS certified mail proof of delivery, as evidence.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I notice a few inquiries on my credit report and noticed I have never apply for anything with these accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Disputed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Disputed XX/XX/XXXX
Consumer complaint received 2024-09-06
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX 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/year>
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX
Consumer complaint received 2024-09-07
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

My wife and I cosigned on private loans for the below. We would like a XXXX XXXX XXXX application due to navient and XXXX  giving preferential treatment to private loans. They knowingly lied about the credits transferring to other schools and the legitimacy of the school. My son is almost XXXX years old and still paying on loans that did not help his life in any way. 

Loan Type XXXX  School XXXX XXXX - XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$13000.00} Total Accrued Interest {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX