davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon receiving my credit report, There is currently an unauthorized inquiry from XXXX XXXX XXXX reporting on my consumer report dated XX/XX/21 and I demanding it be deleted. 

Pursuant to 15 USC 1681b ( f ), a person must have permissible purposes to access my consumer report. Considering that this company is a debt collection company there is no reason for them to have accessed my report without my written consent or without a permissible purpose. This is a XXXX invasion of privacy for anyone to be able to access my report. 

Transunion furnished this report to the debt collector and failed to verify why they needed access to my report and provided all of my personal information to them. 

XXXX XXXX XXXX used my personal identifying information in order to access my credit report which I never provided consent to and I had no knowledge of until now. 

Having this inquiry reporting on my consumer report is causing me great financial harm and having this reporting is lowering my credit score. 

I demand that this inquiry be deleted immediately and I am also demanding the reason that they accessed my report in the first place.
Consumer complaint received 2022-03-20
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. (NY)

Iwas apart of XXXX, XXXX and XXXX data breach from XXXX to XXXX also found my info on dark web in which my identity has been used to get credit and now in have collections.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file if no documentary evidence is found in accordance with FCRA, 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 reseller.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XX/XX/2022 I made a swift transfer form my bank account in XXXX ( XXXX XXXX  ) in the amount of XXXX USD. XXXX XXXX  processed my transaction within an hour but money got immediately stuck as they reached intermediary bank which is J.P.Morgan. Since then my funds are stuck there and I am trying to reach J.P.Morgan in vain. My transaction has a status blacklistblock. Call center doesnt respond to the calls from people who are not their clients. E-mails are ignored. So the bank is using my money without any explanation. Since XXXX of XXXX I havent found a person who would help to solve the issues. All I got just a short reply in social media tab I should solve this with my senders bank. Meanwhile XXXX XXXX cant help me as my funds are stuck in XXXX XXXX.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. ()

Navient illegally cheated by forging fake ‘missed payments’, to avoid putting my account in deferment. Since XX/XX/XXXX, school enrollment certificates after School enrollment certificates were sent repeatedly to Navient, to request deferment. In the last minute, Navient forged over 15 “missed payments” for the purpose of evading its deferment responsibility and to increase accruing-interest from 4% to nearly 10%. Over the past few weeks, Navient increased my loan from $40000 to nearly $80000 with 15 fake “missed payments” and 10% interest rate. Nearly $5000 were paid to Navient. The payments have no effect on lowering the loan. After I complained last week, now Navient said 1 missed payment.So Navient can say that it is not eligible for deferment. It was zero missed payment two weeks ago (XX/XX/XXXX).  Anyway, this loan was supposed to be in deferment.
Consumer complaint received 2019-11-19
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (MO)

I disputed 2 accounts on my credit report with XXXX XXXX and they were deleted, however it was reinserted on my credit file The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified. the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. 
the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). The accounts in question is as followed XXXX Account number XXXX XXXX XXXX XXXX Account # XXXX Transworld System INC.Also XXXX there is an account that was previously deleted and re added XXXX XXXX that I would like a certificate of accurancy.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (CA)

A revolving credit account was opened with Navy Federal Credit Union on XX/XX/2007, in the amount of {$500.00} utilizing me as a co-signer. However, I never gave any XXXX permission to use me as a co-signer nor did I have any knowledge of this. I recently found out about this ( XX/XX/2007 ) when I applied for a home loan and was denied because this account was in collections but i never knew about this account. So here are the major issues : -The fraudulent account was started on XX/XX/2007 - At the time I didn't have a bank account with any financial institution at the time. I was XXXX XXXX XXXX, getting ready to join the Navy ( XX/XX/2007 ) and I was planning on getting a bank account with Navy Federal then. 
- I did not get a bank account with Navy Federal Credit Union until XX/XX/2007 - Once discovered I did file a police report with XXXX, XXXX in XXXX ( incident report # XXXX ) - I was also informed by a Navy Federal representative that in order for a loan, revolving credit, or credit card application with a co-signer to be approved, the co-signer also has to have a Navy Federal bank account. Which I did not have, I didn't have a bank account at all. 

After talking to a customer service representative at navy Federal I was given a copy of the fraudulent revolving credit application and on it displayed the individual 's name that applied for the revolving line of credit and my forge signature and nothing else. Their was no date of birth, social security number, or any other financial institution information. So, I don't even understand how this was approved in the first place. I have been back and forth with Navy Federal about this issue now for several weeks and they don't seem to care or have a sense of urgency in the matter. Please Help Me With This Issue.
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im having a issue with XXXX and transunion refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. ()

First, this page keeps reloading and I have typed this out XXXX times. 
Then, AIdvantage has charged my account and instantly made the charge overdue. Each loan was charged {$1.00} for both the months of XXXX and XXXX. My account is overdue when it was supposed to be in forbearance with {$0.00} payment due each month. 

When I try to contact Aidvantage about the problem, it is impossible. I live overseas and am unable to make international calls as this is expensive and time consuming. When I try to email via the Contact Us function, there is ALWAYS AN ERROR and the message does not get sent. There is no way to contact the company to resolve the issues and prevent them from happening again.
Consumer complaint received 2022-03-20
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: DISCOVER BANK (TX)

in accordance with the fair credit report act. XXXX XXXXXXXX account # XXXX has violated my rights. 

15u.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 2022-03-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Hello, I received correspondence that I allegedly owe a debt to Chase. I have sent out letters with no response, I also have copies notarized of all the letters I have sent. I'm a XXXX XXXX raising and taking care of a XXXXyear-old, and truthfully Chase I truly do not have time for this XXXX. Please, Chase Executive Office, look into this and if required have someone else as well. I was a victim of fraud, and I wanted to continue my partnership with Chase and become a J.P. Morgan Client, for which I now have the required assets to do so XXXX XXXX. But, I will not pay an alleged debt where I was a victim of theft and fraud.
Consumer complaint received 2022-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I XXXX XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but CAPITAL ONE AUTO FINANCE took cash. The finance charge is suppose to include insurance but CAPITAL ONE AUTP FINANCE made me purchase insurance separately. CAPITAL ONE AUTO FINANCE is also obligated to disclose information about rescission pursuant to 15 USC 1635. In fact, CAPITAL ONE AUTO FINANCE told me I had no right to rescind in a statement called " COOLING OFF PERIOD ''. CAPITAL ONE AUTO FINANCE furnishes my consumer reports with XXXX party organizations without my written consent pursuant to 15 USC 1692c ( b ).
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

it started when Bank of America closed my account and kept my XXXX deposit of XXXX  XXXX then also sent me a letter XXXX times wich had XXXX claim numbers on it stating that these claims have been closed <denied or would not be paid and legally due boa and there scams and policy they are to be reopened so I received the letter XX/XX/2022 and the first time I called they stated all claims except XXXX has been paid the claim numbers are # XXXX XXXX {$2100.00} # XXXX {$410.00} # XXXX XXXX {$250.00} # XXXX XXXX {$630.00} # XXXX XXXX {$100.00} so the first time I called they said only XXXX has not been paid and will be paid to me, as my response is no none of them have been paid or resolved as the letter also states but every department states differently like there screen with info is different XXXX called every week since last phone call nothing will be paid or all claims denied this is crazy how they are doing this not filling state and federal laws or legal matters XXXX requested statements they will not send me any or fix these claims they addressed to fix is I need helping regulations XXXX this blows my mind
Consumer complaint received 2022-08-30
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that Iwant to dispute specific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done or authorizedto gain products, services, or money. Please remove the following items : XXXX XXXX : {$7100.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$990.00} ; XXXX ; XXXX ; XXXX XXXX  XXXX ; XXXX on Equifax.
Consumer complaint received 2022-08-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX  XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX