davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

Its been over 30 days and still no response from XXXX, XXXX, or Experian. 
I've seen the letters on the XX/XX/XXXX for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my Experian credit report regarding my XXXX XXXX  credit card ending in XXXX. XXXX XXXX  sent me the same response on both complaints that they determined an update to Experian is appropriate and they have already communicated the correct info to Experian but so far nothing has reflected on my report. I attempted to contact XXXX XXXX regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from XXXX XXXX by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.
Consumer complaint received 2020-11-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Auto finance had violated my right this account is NOT mine. 

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 2021-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I received a phone call from a female who told me I owed money and needed to pay immediately. I said that didn't make sense, I wasn't aware of any money owed and always pay my bills. She said my address was something different but similar and I corrected her and she said she updated my information. The woman was very rude. I asked the woman to mail a bill or statement to my address so I could ensure the debt was valid, it was not for a service I had requested or was aware that I had received. I never received a notice/bill/etc. I noticed my credit score had dropped so I requested a credit report and this was on it. I do not think it is a good practice to request money over the phone without sending a bill or statement. It seems fraudulent and they may have me confused with someone else.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (AL)

At XXXXCT I deposited XXXX BNB coins into my Binance.US account from trust wallet. I entered the address and MEMO but for some reason the memo did not submit. When I hit enter the transaction successfully sent but was never received by my Binance.US account. The Tx Receipt is, however saying the transfer was a success. According to Binance.US this issue can be resolved but I have not heard from any support personnel since submitting my ticket Wednesday morning at XXXX, only auto generated emails from a third party company.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports however Transunion is reporting this information. Reporting excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. I need the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports as of right now/immediately. I do not want a reply stating that this account has been " validated/verified '', to frank and clear, I am not asking you to validate or verify anything so do not waste my time responding with such tactics. Also negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A Information Referral AND IRS form 211 Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-11-03
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. (MO)

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXXe 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Consumer complaint received 2022-04-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX, XXXX XXXX Account # 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 2020-11-03
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I sent a certified letter # XXXX to American Express regarding the issue with Account number ending XXXX. The alleged balance of {$5200.00} ( massive fraudulent charges ) continues to be cited on my credit report by American Express. I tried multiple times to resolve this issue with Amer Exp since XXXX but to no avail. As of today XX/XX/XXXX I haven't received any response from Amer Exp in regards to the letter previously stated above. This account continue to be reported by Amer Exp as owed on my XXXX  credit report. XXXX  continue to report this issue after my submitted dispute on XXXX  website XX/XX/XXXX. I'm requesting that this derogatory report be investigated and removed from my credit report immediately. Additional information and documents can be submitted upon request. 
Thank you
Consumer complaint received 2023-03-24
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 XXXXXXXX, 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 2020-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AR)

Two complaints outstanding. First  XXXX XXXX over-charge on credit card and second new. Neither have been responsive. XXXX XXXX  over-charge by {$21.00} on pair of men 's jeans believe CFPB case number is XXXX and second is XXXX XXXX aka XXXX XXXX at XXXX also over-of-charge of {$30.00} on debit to credit card of {$61.00} for XXXX  XXXX XXXX XXXX  advertised as 50 % off or {$30.00} with regular price of {$59.00}. 

CFPB has debit and formal complaint case number above XXXX for XXXX XXXX. 
New complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UTXXXX 

Have attempted to contact both companies but no response from either complaint at XX/XX/2020. Both amounts of {$61.00} charged to our Chase VISA card ending XXXX. 
XXXX XXXX charged {$61.00} when item in their catalog {$45.00} and XXXX XXXX owes us {$30.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AR XXXX Thank you.
Consumer complaint received 2021-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

XX/XX/XXXX I emailed in a signed payment allocation letter after speaking to Fedloans about 0 % interest applied. I asked on phone too that payments beyond min due go to loan with lowest balance. I have email confirmation of this XX/XX/XXXX attached. Its been a year and payments not applied in this way. XX/XX/XXXX Im told its because I rejected the foreberance since no payments are required until XX/XX/XXXX. The rep hung up on me. Previously I was told not to pay extra while on PSLF program and I removed the pay ahead status. I was in qualifying payments plan working for nonprofit for a year only 4 payments were applied! I was also charged future interest after satisfying the capitalized interest due. Ive sent multiple allocation requests or asked many times by phone on how make extra payments towards principal. Ive even allocated on website. Its a consolidation. Last XXXX I was told payments would be applied or transferred to lower balance loan its NOT not happening. XX/XX/XXXX told the same. They have lost forms or letters to verify income job placement when I get fax confirmation. I transferred this from XXXX in XXXX and big mistake. Were looking to refinance or move servers when 0 % ends and have open disputes with the lender. Ive not received any emails since XXXX so I updated my email online. 

Attached are the two payment allocation letters and information on lender site about being able pay loans off faster. Attached are copies of bills from XX/XX/XXXX and XX/XX/XXXX. Attached is receipt of my compliant against lender regarding public service loan forgiveness repayment program.
Consumer complaint received 2020-11-02
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. (CA)

These are not my accounts that I have inquired about. I have given my name by I.D . and it's not showing correctly on my credit which I think opened these accounts in my name. Please remove them.
Consumer complaint received 2021-06-04
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)

Ive disputed with the original creditor XXXX XXXX  XXXX XXXX XXXX because the accounts have been charged off and they still report a late balance every month. Ive disputed via the bureaus with no change these accounts have been closed since 2017 and need to be removed as they dont comply with FCRA rules. Please verify or remove. Thanks
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

On I received paperwork from this law firm stating I had so many days to respond in order to set a hearing. These poets said I had to wait so many days to call. I followed the instructions and called after the waiting period, but before the deadline. When I called in I stated I was calling to figure out how to respond to some papers I received, because there was nothing attached for me to fill out and mail in. The person on the other line was a debt collector. She told me that me calling right now was responding, but instead of giving me option for dispute and to have a hearing, told me that a judgement was to be filed the following day, and that I was at risk for garnishment and legal actions. She told me we could set up payments to avoid that. And gave me my options. At no point was I given the opportunity to dispute or to have a hearing. Just threatened with legal action and garnishments. I proceeded to agree to the payments to avoid the judgment they were going to file against me. They then proceeded forward without notification that I did call in and respond within the allotted timeframe, so a judgement was granted. I called back to discuss this, I verified my information, and then handed the phone to my daughter to discuss for better understanding of what happened. The debt collector then yelled at us that it is illegal to pretend to be the debtee, and that she would need to speak with the debtee to move forward. When I literally just verified my information and handed over the phone. I confirmed who I was a second time and gave my daughter permission to speak. At that point the debt collector stated I was served, and that I called in within the allotted timeframe, but that we just set up payments in that call instead of being given option for dispute or hearing. I was fully misled and conned into agreeing to payments I can not afford because I wasnt given an option otherwise. My right to dispute was voided when this woman told me I had no choice but to establish payments to avoid legal consequences and garnishment. After which point they entered a judgement anyway and said I didnt attempt to respond. WHEN I DID! I requested to hear a recording of our first call and was told management could review it only and they would reach back out. I need to receive my right to dispute in court or this needs thrown out.
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXAccount Name : XXXX XXXX Account number : XXXX *Account name : XXXX XXXX XXXX Account number : XXXX *Account name : XXXX XXXX Account number : XXXX *Account name : XXXX Account number : XXXX *Account name : XXXX XXXX XXXX XXXX Account number : XXXX *Account name : U S DEPT OF ED/XXXX Account number:XXXX *Account name : XXXX XXXX Account number : 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 2020-07-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.