davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (HI)

Title XXXX of the United States Code, Section 1692b, is a provision within the Fair Debt Collection Practices Act ( FDCPA ). This section outlines limitations on communications with third parties by debt collectors. Here 's a summary of the key points covered in this section : 15 USC 1692b : ( a ) Communication with Third Parties : Prohibition : Except as provided in subsection ( c ) of this section, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( b ) Permissible Communication : Authorization by Consumer : A debt collector may communicate with a person other than the consumer as authorized by the consumer or as reasonably necessary to effectuate a post-judgment judicial remedy.

Practical Implications : Limitation on Communication : Debt collectors are restricted from communicating with third parties regarding a consumer 's debt, except in limited circumstances outlined in the FDCPA.

Authorized Contacts : Debt collectors may communicate with the consumer, their attorney, the creditor, and certain other authorized parties. They may also contact third parties if authorized by the consumer or if reasonably necessary to effectuate post-judgment judicial remedies.

Protection of Consumer Privacy : This provision aims to protect the privacy of consumers by limiting the disclosure of their debt-related information to third parties.

Exceptions : Certain exceptions may apply, such as when contacting the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Understanding and adhering to the limitations outlined in 15 USC 1692b is essential for debt collectors to comply with the FDCPA and avoid potential legal liabilities. Similarly, consumers should be aware of their rights under the FDCPA, including protections against unauthorized third-party communications by debt collectors.
Consumer complaint received 2024-03-22
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)

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX XXXX XXXX SERVICES : XXXX However, they stated everything was complete and accurate but how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-06-20
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX DEPT OF EDUCATION/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX  ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

The letters are stated with items and issues. 

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 2021-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

For the last 5 years, on or about XX/XX/XXXX each year, I have attempted to use the www.annualcreditreport.com website to check my free credit report with Equifax. My wife has tried to check her free report on the same day as well. 

In nine out of the ten attempts, Equifax 's website has told us that it is " unable to deliver our credit report online '' and has forced us to call or mail a request for the report instead. This error message always occurs after correctly answering a series of challenge questions to prove that we are the subjects of these credit reports. We have also verified that our credit files are not frozen at the time we request the reports. 

The paper reports are eventually delivered to our mailbox weeks later, but our area has a history of mail theft and I feel that this delivery method is significantly less secure than online delivery. Plus, I am trying to use less paper in my filekeeping and then have to scan and destroy the paper reports that are delivered. And the scanned copies then consume significantly more hard drive space than original PDFs would consume. 

I just want to be able to easily download a simple PDF of my credit report from Equifax 's once per year, like I am able to do with XXXX and XXXX
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NC)

As one of the benefits of Chase Sapphire Preferred is travel interruption/cancellation insurance, I purchased an airline ticket with Chase Sapphire Preferred . As my travel was canceled due to a covered reason, I filed the claim for travel interruption/cancellation with Card Benefit Services in early XXXX and provided all the necessary documents almost three months ago. Yet, Card Benefit Services has not processed the claim and upon my repeated inquiries continues to state it would take five business days. Multiple times, they continue to ask me to submit documents that I had already submitted, yet I comply each time and submit those documents again and again. Nevertheless, Card Benefit Services continues to state it would take five business days even though I had submitted all my documents almost 90 days ago. 
Upon checking with XXXX XXXX XXXX, I learned that this is their Modus Operandi to continue to ask things that are either impossible to obtain or simply delay until people get frustrated and quit pursuing the claim. With Card Benefit Services ' atrocious XXXX XXXX  rating, and hundreds, if not thousands, of legitimate complaints filed against them with XXXX XXXX XXXX, they find it most beneficial to ignore customers ' complaints and just continue to sit on their claims ; they do not even bother to deny, so the customers could file an appeal. 
I wrote to Chase Card Customer Service twice to see that their card benefits are honored and customers ' claims are processed in a timely fashion, yet Chase has not taken any meaningful action. They refer me back to their Card Benefit Services and Card Benefit Services do not respond.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On my XXXX credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$840.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have a total of {$140000.00} in NJClass loans which go into repayment in XX/XX/XXXX. I have asked HESAA several times for some kind of help or relief and all I 'm told is there is nothing that can be done and that I need to repay the {$1700.00} a month for the next XXXX years. This is not realistic. I will not be able to live, eat and live while paying $ XXXX month for XXXX years. All I want and need is a manageable $ amount to pay each month and be able to live
Consumer complaint received 2024-03-23
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. (ID)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; that means it's illegal to put derogatory or late payments on my credit report it also is not open it's closed and there's a monthly balance stating XXXX dollars means it need to be corrected and updated the previous dispute you said it was accurate about me being the cosigner my signature is under the buyer that means this is fraud
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed with XXXX, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. XXXX is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although XXXX has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX, has violated my rights. 
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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

" I called XXXX and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX and my XXXX  and been out of work for several months and my car was total lost. ''
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (CA)

No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Please review I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (NC)

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.