davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (FL)

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX  XXXX Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX AND TRANSUNION REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/2023, XXXX AND TRANSUNION ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (NJ)

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 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 2024-04-05
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. (PA)

Dear Credit reporting agency 's, XX/XX/XXXX In accordance with the provisions outlined in 1692g of the Fair Credit Reporting Act, and Title 5 U.S. Code 552a, I am formally requesting the Method of Verification for the following disputed account ( s ) associated with XXXX XXXX : XXXX XXXX  - Account number : XXXX This request is made under the guidelines specified in the Fair Credit Reporting Act 611 ( a ) ( 7 ). It is important to note that this is not a reinvestigation of a prior dispute, but rather a request for a Method of Verification to ascertain the accuracy and validity of the mentioned account ( s ).

Kindly provide the following details and documentation : Original creditor : XXXX XXXX XXXX  Address and telephone number of the creditor. 
Name of the individual responsible for verifying the dispute. 
Documentation utilized to verify the dispute. 
Signed contract or documents bearing my signature. 
Please be aware that under Title 5 U.S. Code 552a, known as the Privacy Act of 1974, regulations governing the maintenance of records on individuals apply, irrespective of whether this is a government agency. This ensures that any actions taken regarding my disputed account ( s ) align with the stipulations set forth in this law.

Should you encounter any difficulties in furnishing the aforementioned information promptly, I request that the disputed account be promptly removed from my credit report to mitigate any further adverse effects. 

Best Regards, XXXX XXXX XXXX XXXX Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (NJ)

I made a {$1000.00} USD online purchase via PayPal with my XXXX  XXXX XXXX credit card. The entire transaction from the vendor website to the checkout screen and confirmation screen by PayPal and the vendor appeared to me as US Dollars. XXXX XXXXXXXX XXXX then charged me a {$32.00} foreign transaction fee. There are two companies at fault : 1 ) PayPal for failing to be transparent in showing that this is not a USD Charge 2 ) XXXX XXXXXXXX XXXX for charging me a foreign transaction fee when I am paying PayPal in US Dollars.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Credit report is showing that 2 Capital one charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/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 2023-10-04
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)

XXXX XXXX XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the 1099 that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Disputed specific accounts on my credit report and included a copy of my up to date drivers license, social security card and proof of address such as my XXXX bank statement. That all match equally, and further more was sent an email notifying me that they will not investigate, obligating me to use their " disputing tools and credit services '' which many come with a premium price that should not have to be paid in order to freely dispute.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (PA)

I received a promo code from Chase that I can get a {$900.00} bonus if I open a savings and checking account in Chase and meet the criteria. The term was : opening a checking account and having a direct deposit within 90 days to get {$300.00}, opening a savings account, and keeping a minimum of {$15000.00} balance for XXXX months to get XXXX, once these XXXX are met, I will receive another {$400.00}. 
I was able to receive a bonus of {$200.00} from the savings account. However, for the checking account, I double-checked with the person who helped me open the accounts, and he confirmed that an IRS direct deposit can be counted as a direct deposit. Besides that, I called Chase customer service right after I opened the account, right before the 90 days, and a few days after the 90 days. All I got from customer service was that my direct deposit from the IRS should work. However, when I called the third time, the bonus information disappeared from my checking account. Then I went to the branch where I opened the accounts. I was told IRS direct deposit might not count, and they need to escalate the issue. Later, after a few calls, I was told IRS direct deposit would not be considered as a direct deposit for the bonus. Because of the wrong information Chase employee and customer service gave, I lost {$700.00}.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account with XXXX XXXX opened XX/XX/XXXX. On Trans Union has XX/XX/XXXX. The highest credit was {$9200.00}. Trans Union has {$13000.00}. This loan has been sold five times. My compliant is with XXXX XXXX as well as Trans Union. XXXX  sold to XXXX XXXX, from XXXX XXXX to XXXX XXXX, from XXXX XXXX to XXXX and currently XXXX XXXX is trying to collect. I feel I have paid this loan in full. I never boworred {$13000.00} form XXXX. I believe this information is outdated. All companies listed stated collections under XXXX. I began XXXX reported having received {$5800.00} when transferred to another lender inXX/XX/XXXX. On XXXX   {$4700.00} activity designation paid and closed. XXXX received payment up until XX/XX/XXXX
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX  ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  XXXX, and XXXX in the total amount of XXXX USD utilizing their services.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  - account XXXX XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXXXXXX XXXX said I had a XXXX credit score. I have a credit monitor account and it had my numbers much higher plus XXXX say I owe on an insurance account which I changed. Please advise because this is causing me much trouble.
Consumer complaint received 2023-10-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (GA)

In XX/XX/XXXX, I received a letter that informed me that my student loans were forgiven and that I was NOT to make another payment towards the loans. 
" The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). '' I followed the instructions and did not make further payments to Aspire Servicing Center. Prior to the announcement about student loan forgiveness for these schools that misused and abused students, I contacted them to provide verification and then to validate that this was even my loan that I had been paying on for years. They did not respond, nor did they provide me any proof of how this loan was even associated with me. 

Years prior to this, I had been paying this loan because I was told that if I didn't, they would mess up my credit. I felt I had no choice but to pay it. I found out that they violated my rights and when I began to question them, they never responded. I stopped making the payments for this reason as well. There was no recourse for the non-payments but then in XXXX XXXX I started getting letters saying that they put my loan with them in deferment. I never asked for this, never signed anything, never even spoke to them. A forgiveness was filed and granted for my student loans, yet they are still trying to collect this debt. 

In XXXX of XXXX, I get a notice for payment, and I get an alert that they had reported this account as negative to my credit that dropped my credit score. They have violated my rights for the last time. I am filing this complaint because they are abusing the system and never has shown proof of the debt. The debt belonged to XXXX XXXX as shown above from the email that I received in XXXX of XXXX, clearly a school that misused federal funding and mislead students. Please help me by deleting this debt and removing it from my credit report for violation repeatedly of my consumer rights. 


Thanks, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/ XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Contract hire ) XX/XX/ I have no knowledge of these inquiries an they shouldn't be on my credit report I did not authorize them to pull my credit these are fraudulent inquiries
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Regarding Aidvantage : On XX/XX/23 I attempted to make a payment of {$9000.00} which ended up having a payment reversal. I made sure my bank details were correct and even tried using a different account on XX/XX/23 to make a payment and that was reversed too. Both times I received email confirmations of my payment and at no point did I receive any notification that my payment had been reversed. There is also no information telling me what went wrong with my payments so I have no idea how to resolve this issue.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. The following accounts should be investigated : XXXX XXXX XXXX Balance : {$730.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance : {$81.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay.