davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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 was looking at my report and notice there were some things that was not correct. I sent a letter to TransUnion on XX/XX/2023 here is my tracking number XXXX. But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXXXXXX  Account Name XXXX XXXX XXXX XXXXXXXX : Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX XXXX : Account 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously disputed this account with XXXX and TransUnion XXXX XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off it is considered income, and according to the FCRA income can not be reported on your credit report. I received a 1099c ( CANCELLATION OF DEBT ) from XXXX in regard to the following charged off account. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  received a corresponding tax deduction for the uncollected amount associated with this charge off and I had to file the balance of {$3300.00} as income on my taxes! This account can no longer be reported to my credit report. This violates my rights per the FCRA, this is also tax fraud on XXXXXXXX XXXX part.
Consumer complaint received 2023-11-19
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. (NC)

The following accounts are violating my consumer rights. Pursuant to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2024 I sent out my formal complaints to XXXX, XXXX, and Transunion regarding the incorrect information that has been reported on my credit reports after sending out my round two disputes on around XX/XX/XXXX, Everything was sent out with a copy of my drivers license, social security number, utility bills, my name printed and my signature all sent certified mail. I received some letters back stating it was missing this information then received letters stating that my disputes have been received. I feel as though the credit bureaus are stalling to provide me with the requests that I have made or refusing to delete the inaccurate information based off the information. 

It has been well past the 30 days allowed for the credit companies to supply me with the information requested.
Consumer complaint received 2024-01-09
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2019-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PR)

I tried to settle my debt with the company and submitted a complaint trhough the CFPB and they will not make payment arragements as they told me in their letter of response sent to me and copied to the CFPB. Now they wont stop calling at home and at my mobile.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate the time you have taken to address the removal of fraudulent items in my file resulting from an alleged identity theft. However, there are still remaining items that require removal. I have been made aware that XXXX is not taking action despite the submission of an FTC fraud report # XXXX. This marks my third complaint as a victim of identity theft, disputing items in my file associated with the crime. The disputed items are unrelated to any authorized transactions for goods, services, or money. Kindly remove the reporting of these items from my credit file. I have included my new FTC report with reference # XXXX. The list of items to be removed is as follows : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-27
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. (CO)

Certainly, here are two paragraphs emphasizing the removal based on fraud and deception by credit bureaus : I am writing to urgently address the fraudulent account XXXX, purportedly managed by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. This account, which has been wrongly attributed to me, is a clear case of identity theft and fraudulent activity. Despite my repeated attempts to rectify this matter and provide evidence of the fraudulent nature of the account, these agencies have callously disregarded my rights and continued their collection efforts. Their persistent pursuit of collection on a fraudulent account demonstrates a flagrant violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the credit bureaus ' involvement in perpetuating this deception by allowing such fraudulent accounts to remain on my credit report is deeply troubling. Despite being informed of the fraudulent nature of account XXXX and receiving evidence supporting my claim, the credit bureaus have failed to take appropriate action. Their negligence in addressing fraudulent accounts undermines the integrity of the credit reporting system and jeopardizes consumers ' financial well-being. Immediate action is imperative to remove this fraudulent account and rectify the damage caused by the credit bureaus ' inaction.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid 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. (NY)

On XX/XX/2023, I purchased XXXX garbage bags packs for {$850.00} from XXXX to be delivered in XXXX, and it seems the company is called elite electronics, but I am unsure as a lot of this is fake since they are scamming and not going by real names. A few days later I received a bogus tracking number, which XXXX confirmed over the phone, came from XXXX ( i didnt purchase from XXXX XXXX and was going to somebody else ( they wouldnt tell me who since it was a different address and name ). I disputed the charge and waited to hear back from Chase. A few weeks later I get an email from chase saying to open the letter on my account, but I was checking my personal account for the letter, since it wasn't being specific about which account to open. I called chase and asked and they told me to ignore because it was an error. Eventually I see I was rebilled for the {$850.00} so I called Chase on XX/XX/2023. They explain to me that they tried to call me twice and left a voicemail ( I didnt get any ). They tell me that since I didn't answer they closed the case and can not reopen it as too much time has passed and the other party provided a tracking number which says it was delivered to the same city ( I told them I dont live in the entire city, I have a specific address and UPS confirmed it wasn't delivered there based on the tracking number provided ). I explain to them I never got the product and it was scammed but theyre unwilling to open the case. I never received any written communication about this or anything. I was also under the impression that my purchases were protected and that is why I got the credit card in the first place. In my fury and in hopes of using the closure of my account to persuade them, I asked to be transferred to someone who can close my account. They transfer me and the person asks me why I want to close my account. I tell them why in hopes that they want to retain me as a client and willing to work with me. Instead without warning or explanation of any consequences my account is immediately closed. I lost about ~ {$1000.00} worth of credit card points that I had no intent of giving up. I was never told this would happen if i closed my account, I was never warned about anything, just suddenly closed. Chase obviously didn't do their due diligence here, it is required by law that they do proper due diligence which includes calling XXXX and confirming this information, it also includes checking proofs of delivery and not accepting the same city to mean the same address, also means matching signatures of buyer and person who accepted the package.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/22 a purchase in the amount of {$780.00} was done online at XXXX. The charged posted to my account on XX/XX/22. I did not make this purchase. I contacted Bank of America more than XXXX times to resolve this issue with no satisfaction. They did not follow through on promised return calls, letters or investigations. They have an internal " research and resolution '' team that no outside person is allowed to speak with for status of a lodged claim. I have spoken to " supervisors '' within the organization who told me " mail fraud runs rampant in XXXX  '' and that was why I had not received communication from Bank of America regarding this claim. They have admittedly received XXXX documentation from XXXX regarding this {$780.00} charge and assumed because I have a purchase history with XXXX ( there are no receipts nor purchases on my XXXX account ) that I have made this purchase. I have lost hours of time on hold with this terrible financial institution over this issues.
Consumer complaint received 2024-04-27
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)

I disagree with the account : XXXX XXXX XXXX which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2019-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

Today I contact Navient as a result of learning a company that was managing my loans ( XXXX XXXX XXXX XXXX ) was suspended and under a lawsuit submitted by the FTC. When contacting them today and within the last few months, I informed that I did on any call to Navient the XXXX was managing my loans. Each representative stated, we aren't affiliated with that company and it was not until today that I was given a telephone number to file a complaint about paying this company to manage my loans. After attempting to submit an IDR application and learning that my payments would be $ XXXX+/months, I logged in to my account and notice my loans had increased by {$20000.00} since 2015. Outrageous! The representative told me the only option I had was to go into forbearance plan where she then mumbled off a disclaimer about paying interest but never mentioned my interest rate would increase. I am single and pay a mortgage and car note and other necessary bills alone and I don't even have credit cards as I manage my debt responsibly. I filed a complaint with the FTC about the XXXX in which I have paid over {$2500.00} to since XX/XX/2015 in which I was told my debt would be reduced from {$62000.00} to {$40000.00}. I was sent a contract that showed my payment to XXXX would be {$100.00} per month will I paid about {$75.00} to Navient. I was told the {$40000.00} would not reflect until the end of the XXXX year contract. I am learning that none of the money I paid to XXXX went towards my loan and only today did Navient mention I had been in forbearance for XXXX out of XXXX allowed months. I have been left no option but to go back into forbearance since I could not pay {$500.00} payments due to my loans having increased from {$62000.00} in 2015 to now {$80000.00}. I have never been late on any payments to either Navient or XXXX. I do not understand how the XXXX was allowed to scam students for this long. Navient also took advantage of the situation and accepted all documents from XXXX and increased the interest rate without my knowledge especially since I did not submit the documents directly to them. I am requesting that I be refunded my money not only from the XXXX but Navient completely forgive my student loans! A formal lawsuit should be filed against Navient as I have been an honest paying citizen who was taken advantage and now being asked to pay {$80000.00} in student loans and now only being given a reasonable payment of a car note with no other options but forebearance. I have all the documents that show the contract that was presented and the interest rate increases of Navient ; however, I am unable to attach them to this complaint since they all include my SSN, account numbers and/or address. I would like for some assistance with the balance of my loans. Help please.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (GA)

I hope this letter finds you well. I am writing to bring to your attention the persistent issues I have encountered regarding the late opening of my account and a charge off account with Credit Bureaus. Despite multiple attempts to rectify the situation, I have been met with ongoing challenges, and I am deeply dissatisfied with the level of service I have received. 

I initiated the process of opening an account with your company, and it has come to my attention that the account opening was significantly delayed. This delay has caused inconvenience and frustration, as I rely on timely access to the services provided by your company. 

I have made several attempts to address this matter by contacting your customer service department, but unfortunately, the issue remains unresolved. The lack of responsiveness and failure to provide a satisfactory resolution have only added to my dissatisfaction. 

I understand that errors can occur, and I am willing to cooperate in resolving this matter promptly. However, the repeated unsuccessful attempts to rectify the situation have led me to escalate this matter formally. 

I kindly request the following actions be taken to address this issue : A thorough investigation into the reasons behind the delay in opening my account and the several appearance of charge off account. 
A clear and concise explanation of the steps being taken to rectify the situation. 
Timely and effective communication throughout the resolution process. 
I expect a resolution to this matter within the specified timeframe from the date of receipt of this letter. If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing a complaint with relevant regulatory authorities. 

I believe in your commitment to providing excellent service, and I trust that you will take this matter seriously. I appreciate your prompt attention to this issue and look forward to a swift resolution. I am asking for your assistance to correct these late open account and remove the charge off account in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-01-13
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. (DE)

Per the FCRA as a federally protected consumer, Im now opting out of any and all authorizations I the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802. Educational Privacy Act of 1974 15 USC 15801 AFFECTED IMMEDIATELY
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

I have been struggling to log into my account at Citi and had been unable to do it. I received a notice from Citi today ( via text, which is insecure, and using a URL which was not Citi 's typical landing page- which could be confused with phishing. ) This was my first notice about my payment. I finally managed to log in and identified that I had just been charged a late fee and interest. The late fee ( {$30.00} ) was in excess of coming requirements and was charged at XXXX dpd. There was no attempt to contact me before fees and interest were charged. I attempted to complain but there was no option to do so on Citi 's site ( the help menu directed me to a branch, and being currently in Montana, there are none. ) There was no option to complain online shown so I'm giving feedback via this channel. 

It would appear that this method ( waiting to notify customers until just after fees were charged ) would constitute UDAAP. I would challenge Citi to explain to the CFPB why waiting until after fees to charged is a fair, acceptable and non-abusive practice.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Clarity Services has been reporting inaccurate addresses that I do not associate with, Ive tried to have this fix with clarity I sent a copy of my ID and a recent bank statement to prove my accurate address and also to prove my identity, Clairty wants a copy of my social security card which I will not give because I have already gave 2 forms of identification. The state ID which is one form and a recent bank statement is another form of my identification. Attached wi to this compliant will be my 2 forms of identification and prove of my accurate address along with the inaccurate addresses that clarity has been reporting.