davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Consumer complaint received 2024-02-14
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-01-18
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-05-26
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 am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account. 
this Account, That is on this Report is Fraud
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Turning Point Solutions LLC (GA)

Today ( XX/XX/XXXX ) I received 2 calls back to back at XXXX and XXXX from XXXX and XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX regarding a debt with XXXX Mastercard. I informed her that I NEVER received a written letter to my address stating there was an attempt to collect a debt. Mrs. XXXX informed that their company was going green and they did not send letters out which I thought was odd. I told them due to hardship and extreme in income I did not have it but she still tried to get a payment or an agreement setup bringing up my tax return and etc. They attempted to be subtly threatening stating my account would go to the " next level '', but she could not elaborate what the " next level '' was. Her call back number was XXXX ext XXXX
Consumer complaint received 2022-08-09
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2023-08-03
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 filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I had a XXXX XXXX XXXX card that became a XXXX XXXX XXXX card at the end of XXXX. On XX/XX/XXXX, I paid the XXXX balance in full from my credit union. Ive paid my account this way for years. However, the first statement from XXXX ( Barclays ) says Im past due the amount I paid to XXXX! When I called Barclays they first claimed my payment was returned to my credit union. I double checked and no this is not the case. This is a false claim ; there is no money returned to my credit union account. Then I was told to give it a few days to sort out, there was a problem when the accounts were transferred to Barclay. Then I start getting phone calls saying Im past due! Today, XX/XX/XXXX, I called again and after 45 minutes getting the run around with their hardly intelligible representatives they said theyd investigate this as a lost payment. Well thats just crazy and wrong! The balance paid XX/XX/XXXX was not owed to them in the first place! It was the balance owed to XXXX! Please can someone help. 
Ive attached a copy from the Barclays statement. See Payments as this is where their representative tells me my payment to XXXX was returned to me what does that description/ % a on their statement even mean? And, no, my payment to XXXX XXXX has not been returned to my credit union!
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: COMMERCE BANK (FL)

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Commerce Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program,  which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, one month into the program, I was reported 30 days late to the credit bureaus. I immediately called for help with this situation. I was referred to a supervisor named XXXX, that never returned my calls. To date I have not returned to work, nor has this been resolved by Commerce Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Consumer complaint received 2018-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

To Whom It May Concern- I have been working in the public ( XXXX XXXX ) or qualifying non-profit sector since I graduated with my XXXX in XX/XX/XXXX. 

Last year I initiatedstudentloanforgiveness with mystudentloans. They are all qualifying loans and have all been consolidated into oneloan. I currently owe about {$29000.00}. 

I paid on a Standard 10-yearstandard loanplan from XX/XX/XXXX through XX/XX/XXXX. My loans were transferred to XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX, I transitioned to an Income-Based Repayment plan. 

I still could not afford my loans and so transitioned to a 20-year Extended Repayment plan in XX/XX/XXXX. I converted them to this plan, not realizing those would not be qualifying payments. I have been making all my payments on time, is there any way that these can become qualifying payments? XXXX XXXX did not help me to understand that this payment plan did not qualify for loan forgiveness. However, I have made payments for 10 years, without ever missing a payment and have been working in a career that qualifies for loan forgiveness. Certainly, I have met the intent of the loan forgiveness program. 

As I said, I did not realize that transferring my loans to an extended 20-year loan would disqualify me fromloanforgiveness. 

Please help me try and get the 10-year standard loan and 20-yearextended loanrepayments qualified for PSLF. 

Thank you.
Consumer complaint received 2022-07-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXXXXXX XXXX  XXXX Late Date XX/XX/21
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

My wife and I purchased airline tickets through XXXX XXXX  pre-covid19. The airline cancelled the flight and stated they would refund. We made multiple inquiries with the airline to refund and they did not. We initiated a dispute with Chase. Chase is refusing to resolve the dispute and is stating we will have to pay for the flight that never occurred. The credit card itself ( Chase Sapphire Reserve ) advertises protection against this sort of situation and are still not resolving the issue. They are not only in violation of the credit card agreement, but in violation of consumer protections under the law. 

It has been almost 90 days since the airline cancelled the flight unilaterally and Chase is sitting on the dispute. We have made multiple inquiries and escalations and chase is not acting.
Consumer complaint received 2022-01-18
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-28
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. (IL)

In accordance with the Fair Credit Reporting Act The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : Account Number : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A 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 1681 s2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-09
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-01-18
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. (GA)

It's been 30 days since i disputed the late payments on my report and still yet to receive any outcome or result of their investigation. The dispute was initiated on XXXX.
Consumer complaint received 2018-05-30
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: Navient Solutions, LLC. (TX)

Navient and Sallie Mae keep saying I got a student loan in 2006. It is not me, I was not enrolled in any school at all. I keep asking for records but they will not send. Navient will not cooperate and keeps telling me to sign up for deferments to keep off credit but I just want it deleted. It is not me, in 2006 I worked full time and was not in any school at all.
Consumer complaint received 2015-05-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Hi, I have been to Chase bank for opening a checking account as I have gotten a job and it requires me to submit an account number for depositing my pay check. The banker didn't allow me to open it. I had the following documents with me to support my identity and residence address. 1. My EAD card 2. SSN 3. A lease agreement to my apartment in the name of my Husband with me and my daughter as occupants. 4. My marriage certificate 5. My foreign Passport 6. Foreign DL with foreign address 7. International DL with foreign address 8. DS 2019 I have shifted here recently and have gotten my SSN and my EAD but I don't own any document as proof of my owned residence.
Consumer complaint received 2024-02-14
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. (OK)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting. 3. 4. Verification of signed Invoice. 5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Consumer complaint received 2022-07-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 


XXXX XXXX  XXXX Late Date XX/XX/21