davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (RI)

I have an on-going claim with XXXX XXXX XXXX via. Chase Sapphire Reserve for over 2 months now for Purchase Protection ( XX/XX/2021 ). I submitted all proper documentation during the submission of the claim and then was told XXXX XXXX XXXX needs to verify with the merchant that the item was purchased and was not returned. I submitted all credit card statements but still this verification was needed for the claim to proceed. The request was sent by Card Benefit Services/Eclaims Line to the Chase Verification Department on or about XX/XX/2021. I've checked on the claim and status of this form, possibly about 8-12 times during the past two months. I've received no progress or updates on this claim since it was submitted and keep being told that the department is just backed up. Recently, I've been told that the request for the Chase Verification has been sent to an inbox that is corrupt, from the Chase Verification Department since XX/XX/2021, and therefore has not been received by this department. I've asked for a call back from management numerous times and have been kept on hold for as long as 1.5hrs while waiting for one, only for the line to disconnect. Chase Purchase Protection via XXXX is a scam and is meant to work against, rather than in favor the consumer.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

the credit reporting agencies keep reporting late payments to my credit report which is illegal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer complaint received 2024-02-02
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. (TX)

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 has violated my rights. Or a list of inquiries : 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 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

How awful this is, XXXX BANK credit card has put me on for 4 years on all XXXX credit reporting companies, how AWFUL this is. XXXX BANK owes me for so many other things, this company is illegal and disgusting, XXXX BANK. I supplied XXXX CREDIT CARD with identity theft papers and the fact I Am only an authorized user for only a year plus, when card owner XXXX XXXX opened account in 1992 and there as a huge balance on card when I became an authorized user, but needless to say on that, XXXX XXXX also sent in the idenitity theft papers to XXXX, there are not only XXXX, put XXXX reasons I should not have to go through this I lost a job, my health been at risk and I lost an auto loan due to these lies XXXX BANK put on my credit report. And TRANSUNION knows this and have not done anything, HOWEVER, XXXX just removed XXXX BANK from my credit report, and XXXX BANK purposely presses my credit every month to ruin my name, they want me XXXX. I know it cause they already XXXX my life, now they want me XXXX, I know they do, they owe me for bad faith insurance and so many bank regulation violations, it is not funny. HELP ME PLEASE SOMEONE HELP ME I AM TERRIFIED.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.
Consumer complaint received 2024-02-08
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I filed a dispute with XXXX, XXXX, Transunion regarding student loans being reporting on my consumer report. Per FERPA these companies are in violation of my privacy rights. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post secondary schools. Im requesting for these bureaus to be in compliance with the federal law and remove this data from my consumer report indefinitely
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 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 2023-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a grave matter that requires immediate resolution. After conducting a recent review of my credit report, I discovered several entries indicating bankruptcy claims associated with my name. I want to emphasize that I have no knowledge of these bankruptcies, and they are entirely erroneous. It has become apparent that I am a victim of identity theft, and I am reaching out to seek your assistance in rectifying this urgent matter. 

The details of the inaccurate bankruptcy claims are as follows : Bankruptcy XXXX XXXX XXXX I vehemently dispute these bankruptcy claims and wish to emphasize that they are a result of identity theft. I have attached a copy of my identification, along with any supporting documentation, to validate my claim. I request a thorough investigation into this matter to determine the origin of these fraudulent activities and to take the necessary steps to remove these inaccuracies from my credit report. 

Please provide a written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you take steps to enhance the security measures on my credit file to prevent further instances of identity theft. 

Thank you for your cooperation in addressing this critical issue promptly.
Consumer complaint received 2021-01-21
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC. (DC)

XXXX XXXX Loan Agent | Fax : XXXX Office : XXXX Fax : XXXX Hi XXXX - Due to the credit score being below 600 - we're not able to get you approved. 

The message above is what I received from a lender after seeking to refinance my home. 

I am the mother of a daughter who has a Student Loan with Navient. I co-signed the original loan over 20 yrs ago. The original loan was not with them, they apparently purchased it. 

She is and has been in school full time since last XXXX ( XXXX ), they were suppose to have given her a deferment, but has not, yet instead, kept the loan payments going and due. And that reflects on me. We found out recently and inquired, with no response so far.
Consumer complaint received 2024-02-07
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
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. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries from my credit report.
Consumer complaint received 2023-11-30
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or a list of inquiries : 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 2024-02-07
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (GA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I am concerned with my credit file with Experian, there are credit items that I am asking to be disputed from XXXX XXXX # XXXX, XXXX the same. XXXX XXXX XXXX. XXXX XXXX. XXXX in XXXX. There are inquiries also on my credit file that should not be there or should be taken off by now, I did not ask XXXX XXXX, XXXX XXXX, XXXX which was never taken off. XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Names ID XXXX, these are some of the items I question that are still on my file. When will they be updated and investigated and corrected.
Consumer complaint received 2024-02-07
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance : {$340.00} and XXXX  XXXX XXXX Balance : {$520.00}.
Consumer complaint received 2024-02-07
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. (TX)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-28
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc. (TN)

A reviewing a copy of my credit report I consumer ( XXXX XXXX ) realize that there are several innacurries on my report that violate my rights according to the 15 USC 1692. I did not authorize these accounts to be on my report. According to the 15 usc 1692 D " any bad debt furnished on your reports is ruining your reputation and its defamation of character. ''
Consumer complaint received 2023-11-26
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXX, XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from XXXX and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from XXXX despite anticipating one due to XXXX reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to Equifax on XX/XX/XXXX. Equifax company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) XXXX marked the complaint as duplicate. 

A letter addressed to XXXX with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that XXXX send Form 1099-c to the address listed in the letter. 

The XXXX response letter which is attached to complaint XXXX is included.