davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
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. (IN)

I noticed 3 fraudulent hard inquires on my credit XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called TransUnion and sent documents, but inquires were never removed
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-29
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 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. XXXX, XXXX, and TransUnion 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 my file at XXXX, XXXX, and TransUnion 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.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-15
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. (IA)

Dear Legal Department : Re : Acct # XXXX This letter is in regards to a phone call I placed to your company regarding the account listed above on XXXX. I called to inquire about this account that is listed on my Credit Reports. I spoke Customer Service Representative named XXXX, as provided by her. She informed me that your company does not have any information on this account that it was all sent to a collection agency. How did you investigate this account without any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Consumer complaint received 2021-09-05
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. (FL)

I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months XXXX along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.
Consumer complaint received 2024-03-18
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. (CA)

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.

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 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I hold XXXX private loans with Sallie Mae taken out during the XXXX timeframe for my attendance and then graduation from the University of XXXX XXXX At the time the University did not accept any other lenders and sent me and my mom into this direction. Post graduation I had a hard time finding employment to pay my monthly loan balance of >1k and Sallie Mae did not work with me to find a payment plan that suited my financial situation and recommended forbearing. My original loan request for all XXXX loans was {$76000.00} and has since doubled to {$150000.00}. I'm looking for insight to see if my loans are included in the recent settlement as I feel these are subprime loans with variable interest rates and Navient hasn't done anything to help. I've also requested several times to remove my cosigner and was told this couldn't be done. 

XXXX XXXX {$16000.00} XXXX XXXX {$18000.00} XXXX XXXX = {$20000.00} XXXX XXXX {$22000.00}
Consumer complaint received 2022-04-13
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. (WA)

I received a letter on XX/XX/2020 that my loan was no longer owned by XXXX XXXX. The balance was paid yet Transunion is still reporting the account inaccurately as charged off and unpaid after multiple disputes and requests for more information they continue to state that the account is verified as accurate although it is not.
Consumer complaint received 2022-01-23
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: EQUIFAX, INC. (MD)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Comenity-XXXX XXXX has been creating Hidden Fees that are NOT shown on my Credit Card Statements . Simply put, my, Credit Card payments are NOT being reflected on my statements. For example in XX/XX/2021, I applied TWO {$500.00} payments ( One {$500.00} payment ) and on, XX/XX/XXXX a ( Second {$500.00} was made ) however the {$1000.00} was NEVER reflected on my statement. It progressively got worse. There appears to be NO oversight going on with Comenity-XXXX XXXX as they have moved their operations to the XXXX. It is a total of over {$2000.00} that these people have NOT applied to my statement. I want their operation SHUT DOWN for stealing from me and others Consumers. This is a travesty and I am NOT going to stand for it!!! Thank you. XXXX XXXX
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : 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 2022-12-29
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. (NY)

It appears that my file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

On XX/XX/2021 My wife was doubled charged {$76.00}. 
The Merchant ran our credit card, but said the credit card machine wasnt working correctly so we paid the amount in cash. The merchant is in another country, so we are unable to get a hold of them.

We noticed a few days later that we were indeed charged on our credit card also. So In other words we were double billed.

We Disputed the charge with our capital one credit card and they are refusing to resolve this issues.

The merchant is fighting the charge and capital one is taking there side and unwilling to get our money back. I feel like we were ripped off.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (OH)

The credit card on the account is a XXXX XXXX account in which my mother opened back in XXXX, I never had knowledge to this at all until about XXXX in which I received letters from debt collectors stating I had to pay a fee of XXXX due to the account being closed. 
My name is XXXX XXXX I was born XX/XX/XXXX I am now XXXX years old back in XXXX I was XXXX years old. My mother held my identification and social security numbers and did fraudulent activity in my name and I have repeatedly tried to contact the company about this, even mailing them the papers they sent me back and yet still no response. They told me to file for identity theft and Ive also done that and yet no follow up. My situation even goes deeper as my mother uses food stamps in my name while in a different state, and also received my whole income tax return in XXXX without my knowledge not giving me a dime of the money I worked all year for. If I could get assistance with this situation it would be great Im tired of feeling like Im being pushed around by my parents and this company about this situation its seems they dont care if I was a child they wan na make me pay and Im not the person whose should be paying the debt owed.
Consumer complaint received 2022-01-22
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: TOYOTA MOTOR CREDIT CORPORATION (GA)

XX/XX/XXXX The Toyota Motor Leasing company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

I have made several attempts on validating the debt information with Source XXXX  Management for a XXXX Account ( Original XXXX Acct # XXXXSource Receivables Management Acct # XXXX ). 

XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX. 

As of this complaint Source Receivables Management has yet to provide signed documentation to the validity of the debt the allege, I own to them. 

I have asked them repeatedly to not attached this to my credit report. To finding out that Source Receivable Management has reported a derogatory mark to the credit bureaus. 

Letter were sent demanding the information on the dates above. 

Source Receivable Management has not responded in the appropriate 30-day window to respond to my last letter date XX/XX/XXXX. 

Source Receivable Management has been placed on notice to comply with FCRA is validating the information. 

I wish the information would be removed from my consumer credit report and the Source Receivables Management cease all collection attempts on this alleged XXXX debt. 

I will be sending out a final letter dated XX/XX/XXXX with is attached. Demanding that Source Receivable Management fix the erroneous error.
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

So I got scammed on late XXXX early XXXX of year 2019 for the amount of {$1700.00}. COMPLAINT ID # XXXX Summary of my complaint : Chase executive named XXXX received my complaint and still flat out rejected me, referencing the DAA ( deposit agreement act ) where it says ... ( not word for word ) " if employee contradicts rule, this rule will govern '' with the rule being that they have no responsibility for their customer representatives providing misinformation to me that the check I withdrew was verified good. I'm frustrated because for her to use that as her defense would mean that she expects me to have remembered that rule on page X line Y that I signed OVER A DECADE AGO. That's outrageous. She is out of her mind. No one can remember that. It is her companies fault for not only having poor check verification staff, but also for lack of customer engagement in the sense that I was not made aware of this " rule '' in the 20+ times I called chase prior to withdrawing the check. I'm XXXX and I want TO BE fully REIMBURSED for what was NEVER MY FAULT.
Consumer complaint received 2022-01-22
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, I sent a dispute to TransUnion ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.