davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
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. (CA)

DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.
Consumer complaint received 2021-03-11
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: AMERISAVE MORTGAGE CORPORATION (GA)

Amerisave Mortgage Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/XXXX and XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES by the same company ran ON XX/XX/XXXX and XX/XX/2020. These are impacting my credit and am unable to obtain needed credit.. 

XXXX**I RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items found in my credit report. There are several inaccuracies in my credit report that I would like to bring to your attention. 

Firstly, regarding the XXXX inquiry, I would like to inform you that inquiries have reached the statute of limitation, and therefore should be removed from my credit report. 

Secondly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Thirdly, the account number XXXX from XXXX XXXX has questionable information regarding its name and number. I demand that you either clarify this information to me or delete this account from my credit report immediately. 

Fourthly, the account number XXXX from XXXX and account number XXXX from XXXX have both been charged off, yet they still have a payment history. Please delete these accounts from my credit report immediately. 

Fifthly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Sixthly, the account number XXXX from XXXX XXXXXXXX XXXX  is unfamiliar to me, and I demand that you remove this frivolous account from my credit report immediately. 

Seventhly, the account number XXXX XXXX XXXX has been verified by you, yet the other bureaus have not been able to do so, and they have removed it. I demand that you delete this inaccurate account from my credit report immediately. 

Lastly, the account numbers XXXX and XXXX from XXXX XXXX XXXX are unfamiliar to me, and I demand that you remove these frivolous accounts from my credit report immediately. 

Furthermore, the inquiries from account numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX have all reached the statute of limitation and should be removed from my credit report. 

I kindly request that you investigate these inaccuracies and take appropriate action to correct them. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
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. (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. 

Account name : # XXXXXXXX XXXX XXXX XXXX XXXX card 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 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 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (GA)

Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, Credit Karma, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX or XXXX  in order to obtain a code to temporarily lift my credit freeze. TO  say I have been led down a primrose path in my multiple attempts is an understatement.
Consumer complaint received 2019-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

My student loan was being handled by a company called XXXX and was taken over by XXXX. Between the transfer my XXXX, XXXX, XXXX and XX/XX/2018 payments went missing. They eventually credited me three of them but one payment is still missing and they have made me jump through so many hoops trying to get it back. I had to get documents from my bank and do conference calls with my bank. They made me contact XXXX  multiple times which has been shutdown and does not have any staff to help. They promise and promise and promise to " look into it '' and call me back in " 2-3 business days, '' but no one follows up. I get a different story every time I call. Ive been told that I can only get a credit to my account and I have been told that it can only be issued by check in 3 weeks. But nothing ever shows up in my account. No check is ever mailed to me. 

I feel helpless and I have to keep sending them money every month with absolutely no recourse. Can you please help me? I am sure there are a lot of other people who are having the exact same problems due to their switch over.
Consumer complaint received 2024-03-15
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX, XXXX, XXXX XXXX did conclude a Consumer Credit Transaction with the ( 2 ) herein named business entities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ] and CAPITOL ONE AUTO FINANCE XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ]. The Truth in Lending Act is intended to inform consumers about the cost of credit. This same act is intended to protect consumers against abuse and deceit by presumed creditors and XXXX XXXX has been abused and deceived. XXXX XXXX is aware of and has proof in attachments and exhibits mailed ( hard copies ) to The Consumer Financial Protection Bureau via USPS Certified Mail No. # XXXX XXXX XXXX XXXX XXXX received by this Bureau in its mailroom on XXXX XXXX XXXX. Copies and attachments of the same were also mailed via USPS Certified Mail to both herein named business entities as well as the FEDERAL TRADE COMMISSION. CAPITOL ONE AUTO FINANCE and XXXX OF XXXX XXXX are in violation of 15 USC Sec. 1605. A finance charge is the sum of all charges in a Consumer Credit Transaction. Both herein named business entities ( assumed creditors ) failed to inform CONSUMER of his RIGHTS OF RECISSION under 15 USC Sec. 1635. RESPONDENTS are also in violation of 15 USC Sec. 1611. Both business entities named and identified herein willfully and knowingly failed to provide/disclose the required information pursuant to the provisions of 15 USC Sec . 1601. RESPONDENTS are now criminally and civilly liable. See RIGHTS OF RECOURSE under UCC 3-311, UCC 3-603 and UCC 3-604. Both herein named business entities accepted the promissory note/security instrument. See also 15 USC Sec. 1602 ( h ) through ( n ).
Consumer complaint received 2019-01-26
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: Experian Information Solutions Inc. (MN)

My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification. And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX   XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX  ( XX/XX/XXXX )
Consumer complaint received 2021-11-22
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. (NC)

this message is for Transunion and XXXX. this is nothing against the XXXX companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. XXXX with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX turned over to them on the XXXX then she said the XXXX of XXXX. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX JP Morgan Chase XXXX I used XXXX with Chase ( bank ) to pay for an order with XXXX XXXX ( merchant ). The merchant baited and switched an item on my order because the item ordered was not what I received. I contacted the merchant and went to the store on XX/XX/21 to return the item after the representative said it was fine. The merchant refused to return the item. There are no clear signs or policies visible that state returns are not accepted. They tried charging me {$10.00} to fix their error. I was willing to exchange for another item. However, that item was not available. We could not reach a resolution and I left the store. 

I contacted Chase and asked for the steps to file a dispute. They provided information like to click on the transactions to file a dispute. However this option did not work for the transaction or tested transactions. I contacted the bank on XX/XX/21 approximately XXXX XXXX - XXXX XXXX. I explained the situation to the representative and they told me unfortunately to contact XXXX. I contacted XXXX after I hung up and XXXX did not assist. I was directed to Chase or as they refer to as financial institution. This time I spoke to a manager who stated that theyre aware that XXXX is not a good company, yet they offer their services to their customers. They offer protection to their customers through debit and credit. However, Chase removed liability when dealing with XXXX who also removes liability. XXXX claims to operate as cash. However, cash is refundable. Banks are also FDIC.
Consumer complaint received 2023-03-16
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$5500.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRSTBANK PUERTO RICO (VA)

I took out a car loan with First Bank of Puerto Rico back in XX/XX/XXXX. I completely paid said loan on Tuesday XX/XX/XXXX. When paying off the loan, I accidentally made an excess payment through their online portal for the amount of {$490.00}. I contacted the bank throughout the month of XXXX to get the payment back and have been compliant in providing evidence from my primary bank, XXXX XXXX XXXX XXXX EXHBT 1 ). Even after showing the evidence, the bank denied having received the payment. After several weeks on XX/XX/XXXX, I get a letter dated XX/XX/XXXX stating that they did indeed receive the payment and that they would be sending me a check with the amount ( EXHBT 4 ). 

To this day, I have not yet received the promised check from the bank. I keep calling every month and their Department & Lending claims staff say they have tried sending the check to my address and that it is not valid. This does not make sense as they sent the letter saying they would pay the money back to the same address! 

They have also stated that they have called my phone number which is false as I have not received any calls ( XXXX ). They never call me back to try and resolve the issue and just say " They will try to escalate and get back to me '' It has been 4 months of this.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. XXXX   's online portal for uploading supporting documents won't work and Transunion 's online dispute function is completely broken. I need this record removed by all 3 bureaus.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good Morning First I want to thank you for assisting me with my XXXX account the company made the updated changes to my credit report. I am writing because I recently tried to open my old Bank of America account I went in person was told I was approved then received a denial letter stating their decision was based on information from my XXXX account. I will admit I have had some financial difficulties in the past and have a high utilization I want to know why I was denied. It is because of my high utilization or high debt which will be reduced once I settle my student loan account. I am very hurt and disappointed in this matter. 
I wanted to open an account for my child to help her with her school expenses and save some money for her education. The thing is Bank of America sent me a text that my account was opened I tried call ing thru but being I do not have any banking information. 
I could not speak to anyone. I am tired of XXXX denying me. My bills are paid on time I m not in collections. I want to know what the reason is. I am also going to make a complaint to the New York attorney general office. Thank you.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX XXXX XXXX XXXX, are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.