davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-08
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: Chime Financial Inc (PA)

I have a Current dispute File Number : XXXX Estimated completion date : XX/XX/year> Sent to XXXX on XXXX XXXX, XXXX In Review on XXXX XXXX Company : XXXX XXXX
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC. (OR)

My student loans are consolidated with SoFI. I attended The XXXX XXXX XXXX XXXXXXXX from XXXX. Recently the federal government has forgiven loans from that school. Additionally XXXX ( my former student loan servicer with XXXX  ) has been forgiving private loans for former students. I have requested information and forgiveness for my loans from SOFI because of the misconduct of the school and former loan servicer.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC (PA)

I started the process to remove my PMI with a phone call to UWM XX/XX/2023. While on the phone with them I sent in the faxes they requested to have my mortgage insurance removed. I also followed the steps on their online portal while on the phone with UWM. Then XXXX XXXX I called them again to complain about the lack of follow up, they said they would send me documents in the mail and did not. Then they directed me to the portal where I found a document telling me I needed to order an appraisal through them to get the value of my home so they could verify that I can remove my mortgage insurance. Then I requested to order the appraisal an the fax number they gave me did not work and then I had to call back to get a functioning fax number to the PMI department because you can only communicate to that department with fax and they do not take calls. Then I get a different document in my portal saying that i do not qualify to have my PMI removed. Which i know, thats why i need to verify with an appraisal. But they will not allow me to order the appraisal with them and just keep requesting more information about the property and giving me the run around making it incredibly difficult to have it removed. There is no guidance to the process at all and the keep dragging it out and to this day they will not simply send out the appraiser, which I will pay for, to get a value on my home to have my pmi removed. I believe this is because I am a loan female on the mortgage and that they are trying to take advantage of me on my first mortgage loan.
Consumer complaint received 2023-12-15
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U5 Code 1681b - Permissible purposes of consumer reports [ a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer 1 am demanding the deletion of the accounts listed immediately These accounts are XXXX XXXX and XXXX XXXX XXXX.. 
there are also inquiries that should be removed because they are unauthorized inquiries which includes XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX.. 


Also there is an address that should be removed as well XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX Please remove these accounts and inquiries With kind regards Thank you XXXX XXXX
Consumer complaint received 2023-12-15
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. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Triton Recovery Group (CT)

I '' m receiving texts from a XXXX at XXXX XXXX. She is from Triton Recovery and keeps texting me regarding a collection account that does not belong to me. I have asked her several times to stop and she keeps insisting I am the person she is trying to contact and refuses to stop.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Hello, I have a XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of the credit card advertised benefits, I am entitled to utilize " BankAmeriDeals Offers '' which allows you to earn extra cash back in addition to the normal cash back amount you would receive from the purchase. For the month of XXXX, XXXX XXXX  had a AmeriDeal offer for an additional 4 % when shopping at XXXX through the Link provided on the website, which I utilized when I ordered a Gaming monitor for {$1700.00} on XX/XX/2023 ( the transaction was posted on XX/XX/2023 ). This transaction fell within the offer window. Afraids, I read on the website that any cashback from the AmeriDeal should be listed as " Pending Cash Back '' within XXXX days of the transaction, but I never saw anything under the " Pending '' tab on the website. Thus, I took a screenshot on XX/XX/2023, showing that indeed there was a promotional offer that was still activate that was expiring at the end of the month just in case there would be any issues with getting the offer. So around the XXXX mark, I used the chat assistant they call " XXXX '' on the app and was instructed to wait for the full 30 day peroid and was reassured. When I still did not seeing any pending AmeriDeal cashback rewards, I called the customer service number and they told me they can not help me and referred me to the Promotions/Rewards team and they said that they could not help me either. I have a screenshot showing that there was a 4 % cashback offer activate at the time the monitor was purchased and I am seeking the advertised amount that was supposed to be granted since I went through the steps to use the website link to make sure I would get the additional savings. This is deceiving advertising. If a credit card company can not stand behind their offers/promises then there is no point to use the credit card if offers like these can not be promised. Thus, I am seeking 4 % of my total purchase amount of {$1700.00}, which is equal to {$70.00}.
Consumer complaint received 2023-12-15
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I asked Chase Bank to send me my account they sent it from XXXX to another state just to XXXXXXXX XXXX XXXX XXXX dollar account with Chase Bank and XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

i tried twice to dispute the charges and chase closed my disputes within 24 hours saying that the charges were valid, i was victim of a scam the company XXXX is located in XXXX XXXX XXXX and the XXXX XXXX, they never provide the service, just charge me everytime, chase did not want to investigate, the customer rep was very rude, like if was my fault for being scam and they closed all my disputes
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (AL)

Various loan companies did hard inquiries without my consent. I need these items removed and companies repremanded for improper practices ONEMAIN FINANCIAL ( Finance ) XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IN)

My information was found on a 3rd party website which is early warning signs and Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2023-05-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate 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 below : XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}
Consumer complaint received 2024-07-15
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: MARINER FINANCE, LLC (TX)

I noticed two hard inquiries on my credit about XXXX weeks ago, one was made on XXXX and the second one was made on XXXX both made by the same company " Mariner Finance '' which is a Personal loan provider. I went ahead and called last week XXXX to see if they could remove both hard Inquiries because I never applied for any personal loans and never agreed or signed anything for that company to run my credit, the person on the phone told me they could not remove the Inquiries but could put my SSN on a freeze on their system so no one could try and apply again, I said ok that's fine, then the person on the phone told me to get the Inquiries removed is to dispute with credit reporting company . So on XX/XX/XXXX or XXXX, I called XXXX about a dispute I had submitted for both Inquiries, and the agent on the phone advised me that since that credit inquiry was due to fraud, I make a report with the FTC & XXXX printout the report with a cover letter explaining the situation and a photocopy of my license and SSC, that's the only way to get those hard Inquiries removed. I will attach pictures for proof/reference.
Consumer complaint received 2023-12-15
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. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I have been trying to submit an IDR application to switch my current SAVE plan to the PAYE plan. Mohela instead keeps putting me on the SAVE plan, even though I am eligible for the PAYE plan. I have called and spoken multiple times to agents who said they will add notes to my file to put me on the PAYE plan and expedite and escalate the issue, but nothing ever gets done. I most recently submitted a manual PDF IDR application to swith to PAYE and uploaded it to the Mohela website. This has been ongoing for over a month, and Mohela has even put me back on the SAVE plan with a higher payment than before ( which they can not do since FSA has pushed back the recertification date to 2025 ).
Consumer complaint received 2023-12-15
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. (LA)

This is 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 2023-12-15
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. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-15
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. (TX)

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 2023-12-14
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. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, includinXXXX 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-14
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. (PA)

I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.