davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-10-27
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : TransUnion. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as follows : TRANSUNION : XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX  ( original creditor : XXXX  XXXX XXXX ) ACCT # XXXX XXXX XXXX ( original creditor : XXXX  XXXX XXXX XXXX XXXX ) ACCT # XXXX XXXX ( original creditorXXXX  XXXX XXXX XXXX ) ACCT # XXXX XXXXXXXX  . ACCT # XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (HI)

During the XXXX XXXX, California was on and off lock down for approximately 2 years. Due to the pandemic my father required XXXX. He was XXXX XXXX XXXX with XXXX  XXXX  and other medical conditions. I was relegated to becoming his primary caregiver. The lengthy duration of the pandemic lock down decimated my ability to earn income as a small business owner. 

I applied for a Lending Point loan out of desperation to survive, as I was struggling to pay for rent and food. The loan money was used to survive. The terms of the Lending Point loan consisted of monthly payments of {$400.00} for 36 months. Lending Point was relentless on late payments, did not provide a grace period, and reported late payments to the credit agencies after being one day late. I contacted Lending Point several times for some form of relief. They adamantly refused to offer a grace period.

Eventually I asked Lending Point to re-structure my loan to reduce my monthly payments. Lending Point finally agreed to a loan restructure, albeit at significant increase in interest payments. During several loan restructure conversations Lending Point representatives would state, they would assist me in getting the late payment removed if I would pay the past due amount in full today and restructure my loan agreement, which I did. I trusted in that these representatives would assist in the removal of the late payment. They deceived and manipulated me. 

During the restructuring of the loan there was a lot of back and forth communication over a period of several months. It was during this period that Lending Point reported 3 late payments for being one day late. Additionally, Lending Point required the total late amount due to be paid before they would discuss the loan restructure. I would be one day late on payment and Lending Point would require the total amount to be paid, and then still report the late payment.

Eventually, I paid the Lending Point loan in full, and early. The three late payments are the only derogatory marks on my credit report.

According to section 401 of the updated Heroes Act, there was a moratorium on furnishing adverse information to credit bureaus during the XXXX pandemic, and for 120 days afterward. Consumers can request adverse information to be removed during the covered period, will be held harmless, and not suffer further damage by having late, or missed payments, ruin their credit report, and reduce their credit score. The above erroneous late payments meet the requirements for this covered period.

I am filing this complaint with the Consumer Financial Protection Agency against Lending Point for not honoring section 401 of the Heroes Act and the memorandum on adverse credit agency reporting, and for not operating in good faith.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

In XX/XX/XXXX requested to begin auto pay as student loans, resumed, checked in a month later, when I didnt see the auto debit from my checking account ; payments were listed as overdue with no record of my auto pay request or information as to why auto pay was not started. Requested again, and was given a new auto pay start date in XXXX. The same situation followed a month later, and now I am supposedly going to have an auto debit taken on XX/XX/XXXX, with no confidence it will be taken. I requested helpful company more than once and havent received any useful assistance other than excuses. I feel as though they are intentionally not using the auto pay option in order to charge late fees. In addition to not getting the auto paid debited there is no reminder email or any other way of informing me that the loan is due so it feels like intentional negligence on their behalf to charge additional service fees, as I have been a good borrower and stay on top of my loan payments as soon as they resumed. I have spoken to XXXX with the same servicer and have heard that many people are having the same experience and decided to lodge a formal complaint
Consumer complaint received 2024-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE NEVER APPLIED FOR CREDIT WITH XXXX XXXX ON XXXXXXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.
Consumer complaint received 2024-01-08
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)

In accordance with the fair credit reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2024-01-08
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)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion continues to report the following collections inaccurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

These accounts are incorrectly being reported and I demand that they be removed from my credit report or updated to reflect a balance of { {$0.00} }. I have reached out to the creditors regarding the validity of these debts, but they have not provided any proof of the charge off. While I am looking over my credit report, I have noticed that these accounts are not being reported accurately, and I believe that they are inaccurate, erroneous, incomplete, or unverifiable. The accounts in question are : XXXX XXXX  XXXX. It is worth noting that other bureaus have already removed these accounts from their records after I disputed them. There was an error present, and they were able to find it. I am confused by the fact that you have verified these accounts while the other bureaus have already removed them from their records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-08
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)

I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX TRANS UNION - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX account # XXXX  Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.
Consumer complaint received 2024-01-07
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. (FL)

I am writing to file a formal complaint against TransUnion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. Despite my attempts to resolve the matter with TransUnion XXXX directly, they have not addressed my concerns, and I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I submitted a dispute to TransUnion, outlining specific inaccuracies in my credit report, such as incompleteness, inconsistent data on my credit report. These discrepancies have a significant impact on my creditworthiness, and I have a legitimate expectation that TransUnion will fulfill its obligations under the FCRA to investigate and delete such inaccuracies. Despite the FCRA mandating that credit reporting agencies conduct a reasonable investigation within XXXX days of receiving a dispute, I have not received any communication or resolution from TransUnion regarding my dispute, This lack of response is not only a violation of my consumer rights but also a failure on the part of TransUnion to uphold its legal obligations. I have made numerous attempts to contact TransUnion through their customer service hotline and online dispute resolution system, but these efforts have been in vain. The lack of responsiveness from TransUnion has left me frustrated and concerned about the potential negative consequences these inaccuracies may have on my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to conduct a proper and timely investigation as required by law. Additionally, I seek your assistance in ensuring that TransUnion rectifies the inaccuracies on my credit report promptly. I may also seek additional complaint if Transunion fail to comply with my dispute. I appreciate your attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Consumer complaint received 2024-01-07
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. (NY)

I WAS TOLD THIS WAS REMOVED, YET AS OF TODAY, XXXX XXXX, 2024, THIS MARK STILL SHOWS AN INACCURATE LATE MARK. 
Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding reporting an INACCURATE past due payment that NEVER WAS PAST DUE. Yet, the credit bureaus and CREDIT KARMA show the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the AUD submitted from FCU to credit bureaus.
Consumer complaint received 2024-01-07
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)

the following information being reported on my credit report that do not belong to me and are results of identity theft. 
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXXXXXX XXXX {$0.00} - - - The following inquiries are unauthorized and must be removed. 

Name Requested On XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc (CA)

O sent a letter of dispute filling for a charge back visa chargback XXXX fraud n they keep denying it I've recently been a victim of fraud it's a charge for XXXX on XX/XX/2023 XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.
Consumer complaint received 2024-01-08
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)

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.