davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account 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
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: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX SS # XXXX dob - XX/XX/83 You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX - XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I have sent proof that this is not my account. This is a fraudulent account opened in my name and I would like it removed.
Consumer complaint received 2023-08-07
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. (GA)

Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I was debited {$1000.00} for an ATM withdrawal that I did not make on XX/XX/23 at a Chase bank ATM in XXXX, Illinois. The bank closed my claim without providing any proof that I did not perform the transaction. I filed a police report on XX/XX/23 ; report # SCP XXXX.
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 


XXXX - Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX - Account XXXX has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

These Credit Inquiries 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 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 2017-07-24
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. (WA)

I was charged twice today for my student loan, which I 'm currently only paying interest on because I ca n't afford the $ XXXX monthly payment, so I pay them $ XXXX/XXXX. I called them and asked how this happened, they insisted that I had made the payments, but could n't tell me aside from the XX/XX/XXXX payment I scheduled for the XX/XX/XXXX, when the other payment was scheduled for. They both came out on my account the same day. I believe their system was broken ( this has happened before! ) and did n't show the pending payment if it was my error, but I literally think I would remember signing in two days ago to make another payment. I always schedule my payments on theXX/XX/XXXX of the month, as can be seen from my year long history on their account screen. I was transferred to three people, and then they said I was unsuccessfully uploading my bank statement, then they told me my bank statement was not real, because they did n't believe XXXX, one of the biggest credit unions in Washington state, was a bank name. They wo n't resolve it for 14 days, despite me talking to three people. They kept asking me why my cosigner did n't pay, and also insisting my cosigner must have scheduled a payment in my name. My cosigner XXXX over 5 years ago. I sent them the XXXX certificate 5 years ago when they refused to give me a payment plan, when I was XXXX XXXX XXXX, in school, working full time at minimum wage, and obviously could not afford a {$400.00} payment ( they were XXXX XXXX then ). I was delinquent for two years and have finally caught up after getting a XXXX XXXX and more debt so I could afford my loans. I 've told them at least five times my cosigner has XXXX, and they insist he somehow has control over my bank account. On top of everything, I continue to make payments on the only modification they 'd allow me, which is to pay interest only.
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

My wallet was stolen on XX/XX/22. On XX/XX/22 I filed and police report and notified Marcus By Goldman Sachs was my credit card stolen and the card needed to be locked. The card was never locked and Marcus by Goldman Sachs claims the conversation never took place. I have call logs showing that conversation did take place and they ignored/neglected to lock my card. Fraudulent purchases showed up in that card from XXXX and I have filed disputes and attempted to reassert the denied claims. Marcus Goldman is falsifying information. They were made aware that my card went missing, they failed to lock the card and now they are holding me responsible for fraudulent purchases.
Consumer complaint received 2023-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-01-11
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. (VA)

After requesting an investigation into a medical bill owed to XXXX XXXX XXXX in the amount of {$280.00} my reports have been verified and updated as of XX/XX/2023. Which is untruthful. I have not had an account with the agency or services listed as I have informed the credit bureaus XXXX XXXX. The information on file does not belong to me and the debt collector hasnt submitted documentation or validated the debt. Im requesting this item be removed from my credit file for XXXX XXXX that have not been rendered to me. As well as the new law advised under {$500.00} can not be reported.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-03-20
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-01-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
Consumer complaint received 2023-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : 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 the records of conviction 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 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I tried to transfer funds and use my debit card but then citibank put a block on my account. They told me that my number could not receive a code or be verified. This is the phone number I had on the account since day one. I got a email to call the fraud department with a 4 digit code. When I called and told the representative the code, the lady was rude and told me to wait for a letter with a code. So ridiculous and unnecessary. I also logged on my online banking and the representative in the chat told me to call the bank and that he put a note on my account and to call while he was still in the chat. So I called and again and a rude representative told me to wait for a letter and hung up the phone. I haven't been able to use any of my funds for the past 2 weeks and this is very frustrating and upsetting. I need help
Consumer complaint received 2023-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AR)

I submitted an application for PSLF by uploading it to MOHELAs website on XX/XX/XXXX. I have been periodically logging in to the MOHELA website to check on the status, it has consistently indicated " Received In Process ''. However, upon logging in on XX/XX/XXXX the status indicated " Duplicate Form '' with description indicating " A duplicate application was processed as Canceled. '' I called MOHELA for further guidance on XX/XX/XXXX. The representative I spoke with verified the status was canceled, but indicated it should not have been canceled as it was not a duplicate. She was able to determine the previous certification was submitted in XX/XX/XXXX and the newest on XX/XX/XXXX, therefore the XX/XX/XXXX submission was not a duplicate as the XXXX were not submitted in the same year. The representative resubmitted the application over the phone, however, indicated the processing time will start over and be subject to up to a 90 business days processing time ( anticipate XX/XX/XXXX ), rather than picking up where it left off based on my original submission on XX/XX/XXXX. The representative indicated that there is no way for her to return the application to the original processing time frame, thus the 90 business days period starting over. As noted by the MOHELA representative, this was an error on behalf of MOHELA and therefore I find this completely unacceptable to restart the processing period. By my estimates the original 90 business days processing time would have ended on XX/XX/XXXX. I feel it is reasonable to request processing by XX/XX/XXXX, rather than restarting the 90 business days. The loan in question had a total payoff amount of {$180000.00}, as of XX/XX/XXXX. 

Of note, my conversation with the MOHELA representative on XX/XX/XXXX, was quite pleasant. She was very informative and understanding of my frustration, and I believe she handled the situation nicely, but simply did not have the ability to remedy the situation as I see appropriate.
Consumer complaint received 2024-03-20
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX
Consumer complaint received 2023-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than seven years o 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 2023-08-01
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX