davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has a fraud alert on my credit report without my phone number. This is causing me harm in getting extended credit when an organization is using this private credit reporting company as a verification point of my credit background. 

Furthermore, I have sent notifications to remove this as it was not an alert that I asked for or wanted on my credit reporting monitoring that this private company participates in. 

Upon my last demand to remove this erroneous fraud alert and or rectify their error of not having my phone number attached to my report so as to ensure organizations wanting to verify my identity can do so - I was met with a letter from TransUnion demanding a " proof request to remove fraud alert '' They are asking me to send them personal information of my current address, social security number, and date of birth but have provided no way to do this that protects my identity and this information - they are requiring that this is sent via the mail where any of this information in tandem could cause a breach of my personal information. 

My doctor 's office has to hold standards for privacy why wouldn't a private company that is holding my hostage of their interpretation of my credit not also be held to standards to keep my personal information private and provide acceptable options to send this information ( via portal, online, application ) to ensure it is held securely. 

Lastly, they want a payment of {$9.00} to remove this fraud alert from my credit report that they placed incorrectly. I want this removed immediately PERIOD - if they want further verification and/or validation of my identity they need to provide me a secure link, portal or option that does NOT require me to send my address, social security, and date of birth via the mail system - that is NOT secure.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (MN)

I went to Apply XXXX XXXX XXXX in XXXX of Minnesota XXXX XXXX Ct, XXXX, MN XXXX phone number XXXX Date XX/XX/2023 I went in with a pre approval letter from XXXX XXXX told sales rep I only wish to work with XXXX XXXX approval I have and do not wish to give consent to work with any other lenders, sales rep agreed, took my information moments later ran XXXX hard inquires without my permission sales rep name is XXXX XXXX, Lied to my face this is against the law I did not agree to this and wish to continue forth with a law suite as my score dropped points to purse damages against my name. at this time I am now not able to purse any car as I will not get the APR from my credit as this company took that chance from me.

n accordance with the Fair Credit Reporting act the inquires listed were not authorized by me and, has violated my rights. 
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 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, also must prove validation of agreement listed by party.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARS National Services, Inc. (CA)

On XX/XX/XXXX I received a threatening phone call from someone claiming they were a collection for a personal loan that I had with XXXX. They called me, and several relatives and threatened legal action and a call to my supervisor at work if I did not respond that day. I called them back at XXXX and asked the name of their company to which they claim to be National based out of XXXX Georgia, they would not give me an address. They forced me to make a payment that day and to enter into an agreement to pay them bi-weekly in the amount of {$480.00}, if I did not agree they would proceed with legal proceedings and I would be responsible for {$15000.00} instead of {$7300.00}. When I asked for a written validation notice stating they are the owners of the debt they told me to call back in a day as they are a proceedings office not a debt collector and they needed time to get me the letter. Then when I called back on XX/XX/XXXX they said that they can not give me anything in writing until I pay in full due to " specific performance law ''. When I asked for written proof or a statement I was asked " well why did you agree to it and it was your responsibility to pay ''.
Consumer complaint received 2023-03-17
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. (NC)

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 2023-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2022 XXXX ( XXXX XXXX, passport XXXX XXXX XXXX ) made a transfer of my own funds to my wife XXXX XXXX XXXX, passport XXXX XXXX XXXX ) from a bank XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ) to the XXXX XXXX XXXX ( XXXX ). The money transfer went through XXXX XXXX XXXX ( XXXX ) and was blocked on the correspondent account of XXXX XXXX XXXX  ( XXXX ). Presumably due to sanctions against XXXX ( XXXX ). 

Ammount : XXXX USD ( XXXX EUR ) XXXX XXXX XXXX : XXXX Until now, I can not get my money, because XXXX XXXX did not transfer it and does not comment on the situation. I doubt the legitimacy of actions of XXXX XXXX, because : 1. Remitter and benificiary are not in XXXX list. Funds won't be available for any XXXX-party 2. Funds were received by XXXX XXXX XXXX on XX/XX/2022, but sanctions against XXXX were introduced on XX/XX/2022. Those the transfer could and should have been processed, but XXXX XXXX didn't. 

Attached are the transfer details and documents.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These items do not belong to me nor did I complete any of these transactions : XXXX XXXX Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX XXXX | Account # : XXXX XXXX XXXX  | Account # : XXXX XXXX XXXX | Account # : XXXX XXXX XXXX | Account # : XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards to claim XXXX. The transactions were made via XXXX XXXX in XX/XX/XXXX, during the height of the pandemic and prior to me ever recieving or activating my prepaid XXXX checking account. I filed the claim in XX/XX/XXXX and my account was frozen due to suspected fraud. I never requested or recieved any of these funds. The first reason I was given for my claim being denied was that it hadnt been filed in a timely fashion. I requested a reconsideration which was also denied, and despite being legally obligated to do so, Bank of America refused to provide me with any information/documentation that was used in making their decision. In XX/XX/XXXX, I recieved a letter from B of A informing me that I could request that my previously denied claims could be re opened as they XXXX have been subject to being unfairly and or prematurely denied in error. I decided to reopoen my claim and faxed several documents, including a police report and documentation from CA XXXX to support my claim. Unfortunately, all of my efforts have been in vain as this, and several other claims Ive submitted still remain unressolved. My only point of contact, the B of A prepaid claims dept have been kind but are entirely incapaple of assisting me which has been incredibly frustrating. Finally, I would like to note that I contacted XXXX XXXX on numerous occasions and finally received some relevent feedback from a supervisor named XXXX. He stated that no funds could have been collected at the XXXX XXXX XXXX branch in XX/XX/XXXX because they were not open to the public at that time due to the Pandemic.
Consumer complaint received 2023-09-06
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX 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 2024-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

After my federal student loan settlement ( XXXXXXXX XXXX XXXXXXXX ), approved in XX/XX/XXXX, I requested a discharge of my private student loan. Despite ample evidence, Navient denied my application, which I submitted in XX/XX/XXXX, and Navient denied in XX/XX/XXXX. The justification from Navient for their denial was unhelpful : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I would like the CFPB 's help getting further clarification from Navient as to why Navient denied my application when there is legal precedence for my school, The Art Institute of Washington, and lender, Navient, having committed predatory practices.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (MN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.
Consumer complaint received 2024-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I submitted an application back on XXXX XXXX for discharge of my private loan. Per an email, that was received from Navient on XXXX XXXX informing that I could qualify based on school misconduct. However, I received a denial letter on XXXX XXXX saying that I didnt qualify. However, I supplied documentation showing that my federal loans were discharged with XXXX XXXX. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the lawsuit for school with misconduct.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with XXXX XXXX on XXXX.2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX - Please block and remove this account from my credit report. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. This is a fraud. Please remove this account immediately. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address
Consumer complaint received 2024-06-28
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. (PA)

I had a reoccurring payment for XXXX XXXX, I tried to cancel the day the payment was set to come out and they said I would have to go to a store to cancel. The next day I went to XXXX and transferred the service. They are charging my card for a month of service that I didn't receive. I have contacted XXXX XXXX on may occasions and they tell me their systems are not able to issue refunds and I should be contacting my bank. I have tried to contact Chase regarding this dispute and they denied claim because they said I didn't cancel before auto pay came out. I tried to do this and was unsuccessful. I was told by the XXXX representative they could not cancel my service I had to go to a store. I don't think I should have to pay for a monthly service I didn't receive. The confirmation code for cancelation from XXXX XXXX XXXX, all those conversations they said should be recorded. When I spoke to someone at Chase they said because I didn't cancel before I have to pay it?? Why should I pay for service I didn't receive?
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

XX/XX/XXXX fraudulent charge of XXXX wasnt refundable. After 3 consecutive disputes and supplemental information and documentation of proof that this charge was in fact a fraud and other banking institution refunded my money. Chime continued to deflect and ignore my claim and proof. Closed my account without my permission.
Consumer complaint received 2024-06-28
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CO)

My name is XXXX and XXXX XXXX I filled a complaint with the CFPD on XXXX for unauthorized XXXX payments form my Business and Person Checking account to XXXX XXXX XXXX XXXX XXXX Complaint # XXXX and since my last time XXXX XXXXXXXX XXXX XXXX BANK have XXXX XXXX more ach unauthorized payment form my personal account. XXXX for XXXX and XXXX for XXXX I have since put a permanent STOP PAYMENT FOR XXXX XXXX XXXX XXXX payment due do Fraud caused by XXXX XXXX XXXX XXXX Bank. I have Closed my XXXX XXXX card .I have sent several request for information as to how XXXX XXXX XXXX  XXXX Bank are going to restore all the security damage they have caused. I am still in limbo as they just keep telling me the issue is under investigation. At this point the criminals have become more bold with the theft they have caused myself and XXXX XXXX XXXX XXXX XXXX XXXX be willing to allow this to happen But ..But.. I am in fear for my personal and financial safety due the the indifference to XXXX XXXX XXXX XXXX Bank. The total amount of attempted theft to my bank account stands at {$23XXXX} I hope someone can help me fix this issue.
Consumer complaint received 2022-12-07
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. (CA)

I Accordance with the Fair Credit Reporting 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 has violated my rights. 
15 USC 1681 Section 602 A, States I have the right to privacy 15 USC 1682 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.