davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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. (FL)

I was checking my credit reports and found some innacurate hard inquiries that belong. This may be a result of my identity being stolen. XXXX XXXX XXXX XXXX has conducted a hard inquiry on my TransUnion and XXXX credit reports on XX/XX/XXXX. XXXX XXXX has also conducted a hard inquiry on my XXXX credit report on XX/XX/XXXX.
Consumer complaint received 2022-09-30
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. (TX)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 Collection XXXX  # XXXXXXXX XXXX  XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX XXXX Category XXXX # XXXX
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KS)

I requested a refund on XX/XX/2022 for a fully-paid student loan account and have not had my account balanced updated or the refund processed yet. There is only a single payment for the entire account so I expected the process to be fairly fast. Zero communication has been given to me through email notification or phone call, which is unacceptable because it does not let me know if the request has gone through properly. This leads me to assume there was some incompetence with the handling of the refund request and want the issue corrected. The refund is for payments during the COVID forbearance period and I need this issue to be handled in a timely manner.
Consumer complaint received 2020-03-04
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. (MD)

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Previously disputed on XX/XX/XXXX. Verified XX/XX/XXXX. Method of verification requested on XX/XX/XXXX. As of XX/XX/XXXX I have not received.
Consumer complaint received 2023-01-05
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. (GA)

Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.
Consumer complaint received 2022-09-30
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-05
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. (GA)

Accounts reporting inaccurately on the credit profile for which the social security number provided to me is attached to. In addition, those accounts are listed under a bankruptcy for which is inaccurate and does not belong to me. Accounts attached.
Consumer complaint received 2021-02-19
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. (CA)

On XX/XX/XXXX and XX/XX/XXXX JPMCB - CARD SERVICES add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-12-26
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: EQUIFAX, INC. (NM)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a CD with capitalone bank with an amount of XXXX for a year, at the interest rate of 2.7 %. Upon reaching maturity, I was not paid out the correct amount. The total amount came out to be XXXX instead of XXXX, short of {$53.00}. 
Upon complaining, the support team kept arguing and giving me a formula to calculate and even after applying that formula, the interest rates didn't add up ( formula given [ balance x interest rate ] ) /365 ( 366 for leap year ) x days in a month ). 
When I responded saying, the results do't add up still, the agents kept saying they can only give formula and can not verify the interest and said they would put in a request for it to be verified, but the amount was never verified or any explanation given. I felt cheated out of the amount owed as if I had defaulted on my cd they wouldn't refrain from withdrawing a penalty, but when they are at fault, they refuse to correctly pay out the amount promised.
Consumer complaint received 2022-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I TRY TO DISPUTE INFORMATION WITH XXXX, XXXX, EQUFIAX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I bought a american express bluebird card and have never been able to use. American express says card does not exisit and XXXX says it is active. But money has never been added and No one knows where My XXXX dollars are. I have enclosed all the documents and contact info from everyone I have talked to sinceXX/XX/2020
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I TRY TO DISPUTE INFORMATION WITH TRANSUNION, XXXX, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING ME
Consumer complaint received 2023-06-07
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. (MA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-03-04
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. (NV)

On XX/XX/19 my Chase credit card was charged for {$1400.00} by a vendor in XXXX. I reported to Chase the charge as invalid as I did not incur such a large amount and do not recognize the vendor listed as " XXXX XXXX ''. After many phone calls, Chase said they refunded the charge. Then, they re-charged the charge, and when I called they assured me it had been refunded. But not so, as my statements clearly show the charge is still on my account. 
I have repeatedly asked if they have any documentation that I incurred the charge, and today they said they did not, and that the vendor was not obligated to provide them with documentation. They asked me for documentation, and when I asked what I could provide they said they did not know. 
They continue to direct me to submit messages in their online system. Once I do that and call them, they send a letter saying they closed my inquiry. Today after I pressed them for an alternative for resolution they said I could mail a letter to their Executive Office. 
And so, the loop continues. Now that it has been a year and they have continued to run me in circles I'm reaching out to the CFPB with a formal complaint. Please let me know what options I have to remedy this matter. I am frustrated that it has taken so long for Chase to correct their error ( or the vendors error ), or fraud, or whatever the issue is. I obviously did not spend this amount of money on my card and want the charge removed, as it has affected my credit score, limited my access to credit, and required an over-burdensome amount of my time and resources to continue to address the issue.
Consumer complaint received 2020-12-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I was XX/XX/XXXX in XXXX KS XXXX and while there myXX/XX/XXXX account was garnished by a debt collection agency and they took all my funds from my XX/XX/XXXX account, stating it was was for a default judgement from XXXX. The original creditor was listed as XXXX XXXX XXXX but I was denied permission to contact the debt collection agency to dispute the validity of the default judgement by the my inmate case manager, Ms. XXXX. Recently I was given a new notice of unpaid judgement by the same debt collection agency, dated XX/XX/XXXX with a balance due of {$490.00}. Recalling the extreme XX/XX/XXXXI suffered inXX/XX/XXXXas a result of this judgement, I searched the court records to see the procedural due process leading to the XXXX default judgement. What I found was that in XXXX I was accused ofXX/XX/XXXXandXX/XX/XXXX were filed XXXX XXXX XXXX XXXX XXXX. Apparently there was no judge assigned to the case but somehow I was fined {$170.00} which was allegedly due to be paid by XX/XX/XXXX. On XX/XX/XXXX a petition was filed against me in XXXX XXXX XXXX heard in Limited Actions naming the Plaintiff as XXXX XXXX XXXX. The statute of limitations in Kansas for civil actions is five years. The City of XXXX Municipal Court filed a petition on a ten year old traffic fine, the Plaintiff was represented in Limited Actions court by their Attorney of Record, XXXX. XXXX  XXXX  in XXXX which is also the debt collection agency which garnished my XX/XX/XXXX account in XXXX. I'm going to send an inquiry to validate the debt. I am also expecting the evidence of jurisdiction for the Limited Actions court to hear a claim for XXXX year municipal court fine of less than XXXX $ since the statute of limitations to file a civil cause of action in KS is one year from the discovery of the alleged delinquent account. and since I've never paid on this account. Deceptive acts and practices, false claims, unfair debt collection practices, prosecutorial misconduct and abuse of process. Fraudulent activity and judicial misconduct.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (GA)

This debt was originally through XXXX XXXX XXXX cell phone service between XXXX - XXXX. I had 2 lines and I requested one line be removed - it was no longer needed. They refused because I was under a contract. I explained I could not afford to pay for a line I was not using. When my contract ended ( sometime in XXXX ) I changed cell phone service. In XXXX I had to file bankruptcy and it was discharged in XXXX.
Consumer complaint received 2020-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc. (NV)

There are 3 companies attempting to collect a debt. These accounts were opened fraudulently, never received debt validation, nor a debt verification letter. 

XXXX XXXX XXXX Sentry Resource Collections XXXX XXXX
Consumer complaint received 2020-01-17
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)

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, I believe, that somebody used my personal information and applied for it.
Consumer complaint received 2020-03-04
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-26
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. (AL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-04
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. (MO)

Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act XXXX. 


XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXXXXXX XXXX Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX XXXX and Experian inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act XXXX. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX XXXX XXXX XXXX is fraud.
Consumer complaint received 2020-03-04
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. (AR)

Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and  Transunion has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Consumer complaint received 2020-03-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

XX/XX/2020, I am normally paying the reduced payment plan reduction with Navient due to my inability to pay the full amount. My monthly payments keep increasing despite my objection. I am not able to make the full payments as I have a special needs son who requires expensive medical treatments. I have attempted to work their rate reduction department with no success. I am not able to make the payments they want me to make. I last spoke with their manager XXXX XXXX and she stated they are not able to assist in making he payments affordable me and showed no compassion after advising of my son expensive medical treatments. My son is diagnosed with XXXX XXXX  non verbal and his therapy ranges in the cost of XXXX a month.
Consumer complaint received 2020-12-26
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. (IL)

Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.