davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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)

15 USC 1681i ( a ) ( 6 ) ( III ) I disputed this unauthorized identity theft account XX/XX/year> and for this reason. XXXX XXXX claim they completed this investigation in two days which was from XX/XX/year> to XX/XX/year>. I am requesting a full description of your procedure that was used to determine the accuracy and completeness of the information that I disputed. Who did XXXX XXXX  interview regarding this fraudulent? How did you come to this determination? Proof of a photo identification driving license, identification card, or other government issued cards that was presented at the time this fraudulent account was open. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-30
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX XXXX XXXX they are causing me.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( 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 ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I received my TransUnion free credit report online. TransUnion indicates I was employed at : XXXX I have never worked for XXXX, Earlier I failed an identity check because of this error by Trans Union. I received a XXXX XXXX XXXX by XXXX ( they lost my info in a breach ). To initiate the monitoring service I had to pass an Identity Check. They provided a list of my employers which included XXXX. but I said " None of the above '' since I never worked there! 

When I clicked the Trans Union dispute button ioffered on the web sire here XXXX XXXX XXXX XXXX  The system went busy and never unlocked. 

When I clicked on the support button on that page it redirected me to a page identifying issues that can and can't be resolved. I clicked on the Personal Information hyperlink and nothing happens.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Cash Express, LLC (TN)

I got a flex loan nearly 4 years ago at cash express in XXXX, tn. I also got the cash express debit card. They also had a problem when I came in to withdraw my money from my direct deposit account, but never had a an issue taking automatic ach payments for my loan, sometimes twice a month. I got tired of and took my business elsewhere. They did not communicate at all and went straight to filing a lawsuit after almost 4 years. I am aware of the lawsuit they went through with CFPB. I am also aware that they were barred from doing this.
Consumer complaint received 2024-03-29
Product: Credit 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: CITIBANK, N.A. (OR)

Citibank claims I made purchases close to my address, with signatures they claim match my dr.license, these claims are obscure, as I live in XXXX, or. 
I request a geo-location of my cell phone XXXX, time and location to prove my proximity to any activity with a citibank card XXXX I also request any and all copys of signatures mailed to me for inspection.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I am writing this second complaint against Bridgecrest XXXX, unfortunately, and after communicated - even pleading- directly for help. They fail to provide financial hardship relief for XXXX auto loans they are servicing, despite my residence in XXXX XXXX, Texas, a FEMA Presidential Disaster Declaration zone, in the wake of XXXX  XXXX. I first notified Bridgecrest of this hardship in early XX/XX/2024, following the disaster declaration, and consistently communicated with the company on a near weekly basis, sometimes more frequently, advising of my financial distress, loss of income, costs of repairs to our homestead, and consequent inability to make payments. A previous complaint was also filed to address other issues with unreasonable interest applied, yet Bridgecrest has provided no relief or leniency for the broad matter of debt relief. It seems they will intend to repossess the assets, of which the value has depreciated significantly. 

Bridgecrest egregiously insists that I must first default on my payments for at least a month before any hardship programs can be even be discussed. Even then, no promises of any hardship are made. And this is stated despite the federal assistance being made available through FEMA to residents in our immediate area. The loan terms are also exceedingly burdensome, with both loans carrying a 200 % + XXXX  ( XXXX ) ratio based on XXXX retail. I also maintain the interest rates exceed state statutory limits, making them excessive, and possibly usurious. I have no ability to trade the vehicles, even with their partner company ( or however related ), XXXX. They, too, will not honor a value of the assets consistent with even the remaining balance. And this balance is after a significant down payment on both loans. They won't negotiate any circumstantial buyback terms to put me in other vehicles, lower the payments, rates, or anything. Then, rising insurance rates have compounded our financial challenges. Bridgecrests refusal to offer assistance during a federally recognized disaster is both unreasonable and harmful.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2024 I requested that JP Morgan Chase immediately stop disclosing nonpublic personal information to a nonaffiliated third party. An official opt out letter was sent and stated that per the FCR as a federally protected consumer I am now opting out of any and all authorization that I the consumer may have given you written, unwritten, verbal and non verbal per 15 usc 6802. No affiliated third parties in this instance include but are not limited to XXXX, XXXX and XXXX. There was no follow up letter or call and the opt out was not performed per my request.
Consumer complaint received 2024-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (OH)

It started when we were late with XXXX payments and requested assistance from our mortgage servicer Essex. They gave us the run around for months and months but we were finally approved for a partial claim in XXXX and HUD made a contribution on our behalf. After that we realized that the payment from HUD had not been applied correctly and Essex was accusing us of being behind on our payments which we had proof that we were not. I have called Essex 1-2 times per week for almost 2mths and no one has ever been able to figure out what is happening. Actually they always say someone else will call me back and they never do. The middle to the end of XXXX we got emails talking about how to stay out of foreclosure. But we are not behind on payments. So I went on the HUD website and found the name of XXXX Credit Counseling Service in XXXX WV. I made contact with XXXX XXXX a HUD Certified Housing Counselor and she and her manager tried to sort out my loan/payments issues. They firmly believe what I have been saying that Essex is not applying the money correctly and they discovered some other details about how they haven't been applying money correctly for a long time. You can reach out to XXXX if you need more information. XXXX or email her at XXXX.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Greetings, Upon on the resumption of student loan repayment I was given an administrative forbearance which was set to end on XX/XX/year>. Prior to the end of this period, Mohela sent me bills that was due prior to this date. I sent email requesting why this has happened? I got an email expressing months after my first email expressing that they we are experiencing delays in responding to emails. I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

I applied to XXXX  program to reduce my payment amount. My application was processed, and I was offered a repayment amount of {$200.00} per month. The bills that Mohela started generating in XXXX amounted to {$410.00} instead. I sent email requesting why this has happened? I sent email requesting why this has happened? I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

In conversation with Department of Education, I was told that my XXXX application and Employer Verification information was still missing and was not sent to them by Mohela. As such, my PSLF considering for loan cancellation could not be considered. 

I would like some assistance with addressing this matter with Mohela and the Department of Education. I sent all of the Department of Education and opened a case on the matter ; however, to date there has been no response. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (FL)

I reached out to my bank Marcus on XX/XX/XXXX asking if they would honor a savings rate of XXXX XXXX which I was being offered by a competitor. I was told they would not match rates which was not a problem. I let the representative know that I would be transferring my funds to try and get ahead of any issues. On XX/XX/XXXX I completed a transfer which was reversed by Marcus. When I reached out again to Marcus ( they do not make it simple to reach the department I need, requiring to get transferred and go through redundant verifications with multiple representatives ) I get told that they need to call the institution I am transferring my funds to ask them some questions, we call them and they ask a bunch of questions and all seems good to go. I confirm with the representative that I will be able to complete my transfer without any issues and she assures me. I ask if they need to initiate the transfer or if I should just initiate it online like before. I am advised to just initiate it online again which I do on XX/XX/XXXX and again my transfer gets reversed. I again call, go through their redundant verification with XXXX different representatives to finally be told I am unable to transfer my funds to my new institution because the account isnt a savings or a checking but a high yield cash account. After getting hung up on and having to call back in I get told that the reason isnt because of the type of account but because the account I was transferring into was only a few days old. Again, if I had authorized this and confirmed the account I dont understand why this was an issue. Regardless, I agreed for them to transfer the funds back into my original funding account. They processed my transfer on XX/XX/XXXX and again have reversed my transfer even though now the transfer is going to an account that I have had opened for years, is a checking account and has been linked to this account since inception. Marcus has made it impossible to move my funds and have wasted hours of my time in this process.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have corresponded multiple times and made numerous attempts to address this matter. However, I have encountered considerable difficulty in finding a resolution, as Equifax has provided inadequate assistance despite acknowledging the theft of my information. Furthermore, I have incurred significant expenses, including several XXXX dollars on certified mail, travel expenses for visits to their office, and numerous phone calls.
Consumer complaint received 2024-09-29
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. (TX)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-09-29
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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 15 USC 1681. 

XXXX XXXX XXXX -Balance {$150.00} XXXX XXXX XXXX  -Balance {$58.00} XXXX XXXX XXXX -Balance {$7100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-29
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. (FL)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX XXXX  number XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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)

I believe these accounts were fraudently opened due to identity theft XXXX  XXXX {$110.00}, XXXX  XXXX XXXX {$480.00}, XXXX  XXXX {$540.00}, XXXX XXXX XXXX {$510.00}. I've asked the credit agencies to remove these accounts on several occassions from my consumer report and provide documents validating these accounts at this point the agencies are in violation of williful non compliance