davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-11
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. (KY)

I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through XXXX and Transunion. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX  XXXX Date Updated : XX/XX/1997
Consumer complaint received 2021-12-25
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-06-11
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: Upstart Holdings, Inc. (NC)

So on XX/XX/XXXX I submitted to Upstart my identity theft report police report and sent them a valid copy of my ID. On XX/XX/2022, they sent me an email saying they completed their investigation on Loan ID : XXXX which is not the loan I asked them to investigate or file a report on. The results said that it was a valid debt which I am well aware of as that is my actual account with them. The account they were supposed to investigate was Loan ID : XXXX, they sent a follow-up email the next day saying they did investigate but that's not what was said or sent to me. I would also like to state that during a fraud investigation the account is supposed to not be reported on my consumer report during the investigation but it continued to do so. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2023-01-04
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2024-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (TX)

Aargon Agency- Not willing to dispute or come to an agreement. Told me disputes where something they DID NOT DO ( which if they record calls can be verified ). Did not provide medical breakdown of expenses and simply wanted to collect. Informed me of a NEW medical debt collection from XX/XX/2022 for {$2300.00} which I was not aware of as I've had medical insurance since XX/XX/2022 and even paid a copay in that visit, under the No sursprise act that bill should not be allowed. The also informed me of a collection which is NOT in my records for the amount of {$4700.00} from XX/XX/2022 which they threaten would soon be also placed on collections ( This has never been put in collections and should not be allowed to be placed a year and a half later. ) XXXXXXXX XXXX XXXXXXXX XXXX ambulance bills from XX/XX/2022 and XX/XX/2022 which when I contacted them to dispute they told me that is something they did not do. Attempting to collect a breakdown of my bills they gave me wrongful information and complicated steps to complete in order to achieve receiving them. They're unwilling to come to a dispute or agreement.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : PREMIER XXXX PA ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : XXXX XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-04
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. (CA)

this is an unfair system, one that must be ignored and exploited, and many laws have been broken because of the seriousness of cheating and not taking my situation seriously and cause defamation and no response for more then 30 days
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I placed an online order with XXXX XXXX XXXX on XX/XX/2022 for the amount of {$400.00} + {$15.00} express shipping = {$420.00}. When I got to the payment page, they instant messaged me and said only XXXX payment accepted. Hesitant but I authorized the XXXX payment ( direct debit from my checking account ). Then the company stopped responding, phone # on webpage either says unavailable at this time or I get an answering machine for which I have left several messages requesting a full refund. I contacted my bank ( JP Morgan Chase ) since the chase mobile app offers zelle payments. Multiple calls and multiple branches of Chase, they can not help me the funds are instant and they can not recover them. I contacted XXXX and can not speak to anyone so I filled out the customer complaint / help form and have not heard back from them. All contact info for the ammo shop are either not responding or disconnected.
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX BANK XXXX XXXX MORTGAGE XXXX
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX MORTGAGE XXXX
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

My payment counts are incorrect ( I have paid more times than Mohela has counted ). I followed directions to dispute this by uploading a document to the portal as directed. This was on XXXX. The automatic message said I would receive a response within 90 business days. After the 90 business days ended, I have called at least 6 times with average wait/call times of 3 hours. The longest wait time was over 5 hours. Each time the representative is unable to answer any of my questions or provide an update about when my dispute will be addressed. After the longest call of 5 hours I was told the issue would be escalated and I would receive a call back from their supervisor within 5 business days. That was several months ago and I never received a call. Other times I have been disconnected with no means to get back in touch with the representative other than waiting for several more hours on hold. They are impossible to get ahold of and even more impossible to have solutions. I have never received any meaningful information despite approximately 15 hours on the phone with their representatives or on hold. 

Other times I have been put on forbearance ( against my will - requiring call of several hours to go back into repayment ) and had incorrect payment amounts listed. 

I should be eligible for loan forgiveness at this time ( actually I should have been eligible in XXXX if they had addressed my dispute letter ) but I still have to continue to make payments due to their incompetence.
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2021-12-06
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. (AR)

Today is XX/XX/XXXX and the fraud accounts are still on my credit report with this company. Even after submitting an online FTC report. So again on XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over 8 different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) if a transaction was authorized by your social security card, the real credit card first defined in the FCRA and TILA, the transaction must be excluded from your consumer report. The company is refusing to delete the accounts, names, and addresses that are not mine and I have no knowledge of. Even after filing the proper documents. This whole ordeal has cost me a loan for XXXX for reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am taking this matter to court and I am uploading all documents.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent in my remittance slip filled out completely certified mail on XX/XX/2021 and I received another bill 2 weeks later that included a late fee as well as the previous balance. I contacted Kohls on XX/XX/2021 billing using the number on the second notice that I had received to see where the payment went. The rep who answered said they did not receive anything and to please fax proof of the payment at a local store. I went to the store and was directed to customer service. The supervisor used her phone to call for help and put me on the phone with a rep around XXXX. The rep advised me that he has never heard of remittance and that they told him to tell me that they do not accept it. After being denied I asked for more assistance and transferred me to another agent. This agent also had no idea how to help and told me he was unable to reach a supervisor because his system would not load. I requested a call back and decided to report this issue to be resolved right away. I have also sent out copies to the CFO and Registered Agent of Kohls for immediate help.