davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against TransUnion regarding their failure to address the inaccuracies on my credit report, despite my documented attempts to rectify the situation. 

On XX/XX/2023, I sent a letter to TransUnion, requesting an investigation into the inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. In addition, I disputed incorrect personal information listed on my credit report. Despite providing all necessary information and following the procedures outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has neglected to acknowledge or act upon my dispute within the legally mandated timeframe. I have taken considerable care to ensure the accuracy of my credit report and to safeguard my financial reputation. However, TransUnion 's failure to respond appropriately has resulted in unwarranted stress and financial implications for me. I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

Enclosed with this complaint are copies of all relevant documentation, including the a copy of my original dispute letter to TransUnion and the response I have received from them.
Consumer complaint received 2017-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (KY)

My vehicle loan was taken out in XXXX of 2014 with Wells Fargo. I provided proof of insurance at the time of purchase. Almost 3 years later, Wells Fargo contacted me to inform me that they never received insurance proof, had charged me their insurance premium, and charged fees for delinquencies on my account. My credit report shows that I was late on my vehicle payment, which I never was. I provided proof of insurance at that time through XXXX XXXX. They still charged me for their insurance and late fees and it remains on my credit.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (NY)

I received an email saying that I was now under a binding arbitration agreement, and that in order to opt out of it I have to jump through a series of hoops per their definitions in a timely manner. 

If they can email me out of the blue changing the terms of a legal agreement, I ought to be able to respond via email. Saying " here 's a binding contract, in order to disagree you have to go buy stamps, take time out of your day, write a letter with 18 pieces of information, etc ... '' is insane. I did not agree to this contract, my failure to respond is not consent, and setting obstacles in place to not allow me to disagree must be illegal. 

Chase Bank is engaging in anti-consumer practices that should be curtailed.
Consumer complaint received 2017-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Assured Financial Partners (IL)

this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.
Consumer complaint received 2023-01-28
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT
MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

CFPB + XXXX XXXX XXXXXXXX XXXX Equifax, This is a follow up complaint to complaint XXXX XXXX XXXXXXXX ( attached ). 

I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my Equifax credit report. 

It currently shows on XXXX and XXXX- it is not showing on Equifax. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX XXXX XXXX ( with all of those account details )
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (WA)

On Thursday XX/XX/XXXX, I called Experian and XXXX  because there are three accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called Experian and XXXX, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX. The letter to Experian was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to XXXX  was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX  stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from Experian or XXXX. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.
Consumer complaint received 2018-07-12
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: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX I received a response letter via email from XXXX XXXX Fraud Department. 
The letter states that they conducted a fraud investigation and that they were not able to approve the claim is because Customer benefited from use of card/participated in purchases. 

Synchrony did not provide any supporting documentation on their response. On XX/XX/XXXX I reached out to the fraud department via email asking who the investigator handling my claim was but I never received a name or a POC. 

Here are the facts that Synchrony is neglecting to acknowledge. 

I provided a copy of the FOIA from Customs and Border Protection showing that on the date that the Account was opened I was outside of the United States. 

On XX/XX/XXXX Synchrony provided me the IP address that was used to open the account XXXX That IP Address is from XXXX TX. 

On XX/XX/XXXX Synchrony bank obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$2100.00} On XX/XX/XXXX XXXX XXXX obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$950.00} I had no knowledge of these and both sales drafts bear my ex-husbands signature. 

-I never applied for an account from XXXX XXXX -I was outside the country when the account was opened by my ex-husband - I did not benefited from the account - I was never a patient of XXXX XXXX - I had no knowledge of the account or it existence until months after the account was opened - The account was awarded to my ex-husband on my divorce
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I requested reversal of fraudulent charges with Capital One on my credit card. They were reversed, and I requested a new credit card with a new number. Capital One has changed my account number, but has continued to let charges through on the old number. Also, THey have refused to issue a new card in my name. I asked them to close the account today, XX/XX/XXXX, and they refused.
Consumer complaint received 2020-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (IL)

I signed up to take college classes at XXXX college in 2015. When summer/fall rolled around and it was nearing the first day I hadn't recieved a call back about my daycare spot. I called in on XX/XX/2015 to make sure everything was set in stone as school was suppose to start the following day XX/XX/2015. The school notified me that they did not hold the daycare spot for my children so I was forced to cancle the courses I signed up for. Several years later I noticed a collection on my credit report saying I owed them money! I tried contacting the collection agency and the school themselves and also disputed it several times. The collection agency sent me a letter from the school showing their cancelation policy which states if courses are dropped with in so many days of classes starting you will recieve a full refund. Well, I dropped my courses the day before school even started! On top of that their information is not accurate what's so ever. They claim i made some sort of payment to them which I never did that either. I actually ended up taking online classes through XXXX university and never took a single course through XXXX. This has been on my credit report and decreasing my score for quite some time now.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.US XXXXXXXX XXXX NJ XXXX All four of these accounts are on my experian credit report and do not belong to me this is a mixed file
Consumer complaint received 2019-02-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have previously filed a CFPB complaint via CFPB reference number XXXX ( PLEASE REFER TO THIS NUMBER ). In that complaint I outlined how National Credit Adjusters has violated my consumer rights by not properly validating the account within a timely manner. As of today, more than 90 days has elasped, and the company still continues to not provide the information I have requested on multiple occasions.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from Equifax or XXXX at all.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECTED the account in my Credit Report : XXXX XXXX  XXXX
Consumer complaint received 2021-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

Under the PSLF I should be able to receive loan forgiveness after 120 payments while working full-time in a public service field. I pulled all of my records in XX/XX/XXXX and believed at that time I had made 125 payments on my XXXX student loans. ( Actually, I made far more than that given that I began working in Public Service in XXXX, but the years from XXXX don't work. ) I never received any good explanation of the discrepancy between my account and the PHEAA count on these loans. Then, I lost my job as an XXXX for a XXXX XXXX XXXX due to Covid budget cuts in XX/XX/XXXX. Since that time I have only found 20hr/wk work in XXXX, so none of the " forgiven '' loan payments from this time period count. I would like a direct response to each month of payments ( I have bank statements proving every one ), and why they didn't all get counted.
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MN)

On XX/XX/XXXX I received a form 1099-C from Discover Bank also Discover Card, Cancelling the debt I owed. The discharged amount became my personal income for the year XXXX and taxes were paid to the IRS per form attached. On XX/XX/XXXX I received a letter from Discover stating that I owe {$10000.00} ( Discover Card Account Ending XXXX - Same account reported on IRS Form 1099C and only account I have hold with Discover ). 

Discover is demanding full payment on my account, XXXX Account ending in XXXX ), for a debt that they cancelled, reported the IRS as being cancelled and I paid taxes. This is Tax Fraud and Consumer Fraud. I need help holding Discover and Discover Bank accountable for FRAUD. Is this happen to any person based on the amount, it will be considered a Felony. Over the years this has impacted me and my family as I was denied credit and other opportunities as Discover was reporting to the credit bureaus that I have been delinquent in paying my debt even though they issued a form 1099C for cancellation of debt. This company is committing fraud in MN, I wonder how many other people may be impacted.
Consumer complaint received 2023-01-28
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. (SC)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses, accounts and inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (OH)

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. 

Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from Nexis Lexis. I  have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. 

Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX  ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Consumer complaint received 2024-02-22
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. (TN)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 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 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 XXXXXX/XX/XXXX