davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CT)

I have student loans with University Accounting Services LLC. I have never made a late payment and had a lot of issues with them overcharging me these past few months. I just got those resolved and now on me and my mom 's XXXX who is a cosigner ) credit reports on XXXX it says there are 14 missed payments and our credit scores have gone down signficantly. 

My disputed the report which XXXX  denied on XX/XX/XXXX. She also called and emailed on XX/XX/XXXX UAS LLC which provided no response to the email in the past month after saying the issue was being escalated and were extremely rude and not helpful on the phone. 
I have disputed on my report now with XXXX but it is unclear whether the problem is with XXXX or UAS both of which have been unhelpful. I have many many issues with UAS actually taking action to correct their errors in the past and need it to be resolved soon so our credit scores can go back to normal.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted Transunion about a collection on my Trans union credit report over a collection of a {$100.00} debt that was sent to a collection agency. I am attaching a letter sent to the creditor in XX/XX/2020 & also sent to Transunion. This debt does not appear on XXXX or XXXX. I have tried to reach XXXX by phone and left messages for a return call. None have been received This is the letter sent to Transinion and the debtor XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern This letter is to dispute the 101.58 that is being charged. I previously mailed this letter several months ago : The dispute is over replacement of the bedroom rug, I am disputing the charge for the following reasons : I Was never informed that there was a problem by Management There was no stains or marks on the carpet when I left. This can be verified by a third party who inspected the apartment when I moved out.

There was no inspection done with me when I moved out There was no attempt by management to clean the rug. The rug was ripped out the day after I moved out. This can be verified by another pennants Other units that were vacated that had animals had their rugs cleaned and not replaced Management did not apply same rules to me as it did to other tenants that had dogs ( mine was a service dog ). I never had any communication from management about a problem with the rug - ever. No phone call, no explanation whatsoever. 

If there was a problem with the rug I would expect some proof from management. I received nothing. No photographs, no letter from them, no telephone calls I will not pay the amount due because of the above mentioned issues XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

Received a text message on XX/XX/21 from business claiming to be Equifax as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A EQUIFAX-Database. Find 0ut Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be XXXX sent the following text : Re : XXXX Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : XXXX XXXX XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: NAVY FEDERAL CREDIT UNION (GA)

I submitted a dispute on XX/XX/2022 for 2 fraudulent accounts reporting on my credit file. It has been well over 30 days and there has been no result of the dispute submitted. This is a violation of my rights under the FCRA. The following accounts need to be removed from my credit file. 

Navy Federal Credit Union XXXX XXXX I have attached a copy of the dispute submitted for your viewing
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

-- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 

-- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 


-- I am entitled to Fair Credit Reporting. 

-- I have given them authorized permission to report my address on my consumer credit report. 

-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 


-- Letters have been sent with this address by certified mail and return receipts have been received by me. 


-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.
Consumer complaint received 2021-05-20
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. (MD)

Dear Chase Management, This is a formal complaint against the Chase Fraud Department for failing to protect me against fraudulent charges by a family member with the following vendors : XXXX XXXX XXXX XXXX XXXX XXXX I reported to Chase that I had no control over that member and asked Chase to block my card ending in XXXX and to issue a new one. Chase didn't block my old card and the charges persisted from the old number ending in XXXX although the account had already a new number ending in XXXX, which I have not shared with anybody. I'm held accountable for the charges made after Chase let me down and didn't block my card and failed to protect me. 

I am a divorced single mother and my son lives between two households with father in XXXX, VA and with me in XXXX, MD. I authorized some charges in XXXX and XXXX for XXXX, XXXX, and XXXX, which I'm not disputing. I asked my son to stop charges after XX/XX/XXXX but he wouldn't so I called Chase asking for protection. None of the charges in XX/XX/XXXX are mine, nor have they been authorized by me and they all occurred because Chase made a mistake and failed to block the card. 

I have spoken with several Chase Fraud representatives and supervisors, XXXX XXXX XX/XX/XXXX ) and today with XXXX ( XX/XX/XXXX, and when I asked them why wasn't my card blocked, they become quiet and refuse to answer the question, or use avoidance techniques by saying something else. The fact they failed to block the card is the problem and I am asking for your assistance because I'm unable to assume these charges which are considerable for my budget. 

Please assist me in obtaining permanent credits for these charges and possibly reversing the ones made between XX/XX/XXXX and XX/XX/XXXX, which were not authorized either. Chase finally blocked the card yesterday and issued a new number yet, ending in XXXX. 

I'd really appreciate your help since I'm going through a financial hardship after a difficult divorce. Chase gave me temporary credits per attached statement however, today they said they will be putting the charges back on my account. 

I feel so betrayed and personally harassed having to spend hours on the phone and refused to be given an answer why didn't Chase block my card on XX/XX/XXXX when I called to inform them of the situation and asked for protection? 

Thank you for your understanding! 

Sincerely, XXXX XXXX.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandate that the three credit bureaus confirm these details ( XXXX  ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Stilt Inc (CA)

I transferred XXXX dollars to the stilt bank account waited two days for it to clear once cleared I was able to make point of sale transactions when I tried to withdraw the remaining XXXX in my account they locked my account after going through all the steps to verify my identity my account was unlocked but not my money its been almost a week and Ive been getting the run around I feel as if this bank is not legit an I just want my money and to close the account
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My mother opened a XXXX Credit card account. She wanted to purchase my son a PC and she was unsure if they had the XXXX she wanted at the store where she lives, so she added me as an authorized user so if I needed to buy the PC from the store where I live. She asked me to help her manage the emails and bills so I told her she could use my email and address and I would be sure to help her by letting her know when her payments were due etc... .Next thing you know she is having some financial difficulty and it's my credit report showing past due. I have never gave anything like income a social sec number nothing. I tried to dispute through Equifax Twice and they keep saying I own the account and NO I do not. I just want this off my credit. She had 3 other cards from 3 other retailers and no issue at all because I have nothing to do with the payments or lack thereof, I was just helping her get something for her grandson and now I get to see my credit score drop drop in this economy it's awful. If they pull their contract they should see, she applied and provided her information alone. I wish I could get credit cards without providing my income employment social sec number etc, that would be lovely. This should be so simple and I guess they think because she is having issues paying her bills, they will ruin my credit.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XXXX bank and Navy Federal Credit Union gave me credit cards. 
I spent only less 30 % of credit limit to improve my FICO SCORES AND CREDIT SCORES to purchase home as XXXX XXXX VETERAN to support my kids ( I am custodian parent XXXX XXXX XXXX bank and Navy federal credit union did not update on time credit utilization point helps a lot I have FHA XXXX XXXX as the first time home purchaser who is XXXX XXXX XXXX XXXX XXXX bank and navy federal credit union should update credit utilization rate to three credit bureau ASAP.
Consumer complaint received 2021-05-20
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: JPMORGAN CHASE & CO. (MI)

A credit card was fraudulently taken out in my name with JPMCB ( Chase XXXX in XX/XX/XXXX, the perp admitted and was convicted of a lesser charge through a plea agreement. The amount charged on account was approx. {$19000.00}. The perpetrator has been paying restitution. The card issuer fails to admit to the fraud, and has classified the account as a " charge off ''. Which of course negatively affects my credit rating. I have sent Chase copies of the Michigan XXXX XXXX conviction. I am appealing Chase latest decision, which I hope to get overturned. This is pathetic that a bank fails to admit their own shortcoming, and in fact blames the victim. Where is justice?!! 
I have been working on the reclassification since XX/XX/XXXX. 
This is a disgrace what " big banks '' get away with.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The account status on this account is incorrect. This account is too old to remain on my credit file. The date of the last activity is over 7 years old. The account I am disputing is : Account : XXXX XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2017-09-09
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. (WI)

All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.
Consumer complaint received 2022-11-02
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. (TX)

In accordance with the Fair Credit Reporting Act. The following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. Account name : XXXX XXXX Account number : XXXX Account name : 15 U.S. Code 1681 asserts : 15 U.S. Code 1681 Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX XXXX ( a ) ( XXXX ) I have the right to privacy. 
15 U.S. Code 1681 Section 604a Section 2 : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c ( a ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) 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. Code 1681c ( 6 ) ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I include it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-20
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. (FL)

I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them as soon as possible.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (TX)

Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account SAFCO Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a XXXX account. There should be no changes reported to it AT ALL!!!! I have tried to request a XXXX from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased Vitamin C serum from Neiman Marcus. When I opened the box at the store, the serum was missing so I asked for a manager and she stated she refunded my purchase. Well, it showed for 4 months and the customer service team at Capital One would not believe me and credit my account. 
I ended up writing the XXXX and then Neiman Marcus cleared my account ( please see the letter ) BUT, they closed my account in XX/XX/2020 and they never sent me a closure letter. 
I called the other day and when I spoke to customer service they stated they closed account due to non-payment of a charge.