davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

I have never received any forms of verification on this debt that is being collected by rent recovery solutions a company based in XXXX Georgia. I have tried to reach out and get verification of the debt and talk to someone about the next steps I should take and I constantly get sent to my agents voicemail system. They have never called me, emailed me, sent me a letter or anything regarding this debt or what to do about it. They have a history of taking peoples money and not removing the debt from credit reports and Im not going to let that happen to me. They are in violation of my rights by trying to collect on a debt that I have not been given the opportunity to look over and verify. I have disputed this debt twice through XXXX  with no luck and have still even after the dispute never received a letter or phone call.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WA)

XX/XX/22 - 3 fraudulent transactions totaling {$2000.00} were charged to my debit card.

1/19/22 - Dispute opened regarding the 3 fraudulent charges. 

XX/XX/22 - Claim denied with no reasons given. XXXX opened. 

XX/XX/22 - XXXXl denial reasons received. 

XX/XX/22 - XXXXXXXXl reopened with responses to all denial reasons. I am informed that provisional credit will be issued on or before the 10th business day. 

XX/XX/22 - 10th business day. No credit to my account. 

XX/XX/22 - Called regarding non receipt of provisional credit. Agent tells me that my issue is escalated and I will receive a response in 3 business days. 

XX/XX/22 - 3rd business day since escalation and no response. 

XX/XX/22 - 17th business day. No credit to my account. The type of transactions disputed are all debit card transactions and listed as eligible under the provisional credit guidelines. The highest available supervisor who could be reached by telephone in the claims department has confirmed my eligibility for the provisional credit. 5th business day since escalation with no response. Supervisor on phone support escalates my issue AGAIN and says I will receive a response within 3 business days. 

XX/XX/22 - Chime can not give me a reason why I haven't received the provisional credit that I have been confirmed to be eligible for. Escalation responses are not timely. XXXX credit is not timely. So I am left with no other option than filing a formal complaint. I have been a customer for 4 years and am being treated like a criminal instead of a victim. I have also filed police reports and provided them in support of my claim. Filing false police reports is a crime so you can bet your bottom dollar I'm not lying. I am the victim of fraud and federal regulations are not being adhered to. Claim # XXXX
Consumer complaint received 2022-06-20
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (WA)

XXXX and Equifax will not remove the monthly scheduled payment amount of over {$39000.00} after the account was paid in full and there is no monthly payment. XXXX and Equifax refuses to remove this monthly error thereby violating FCRA law and litigation will follow if this is not corrected. They have received all documentation of paid in full and they are violating my rights by still showing a monthly payment amount for XXXX child support. Here is proof : Important note Account name XXXXDIVISION OF CHILD SUPPORT XXXX : Account number 74 .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, WA XXXX No phone number available Address identification number XXXX Type Family Support Terms 1 Months Credit limit or original amount Not reported High balance $ 0 Monthly payment {$39000.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual EQUIFAX : Months Reviewed 26 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount {$39000.00} Actual Payment
Consumer complaint received 2022-03-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

My loan for the DEPT OF EDUCATION/NELN account with the account number XXXX is reporting inaccurately. The accounts stated below is transferred and closed yet they duplicated the accounts and displayed them as a negative remark on my Credit Report. I was never late in paying these accounts. Since the accounts mentioned below is already closed. I have sent dispute letters to both the Credit Bureaus and the furnisher to remove or correct the items that have been duplicated. But up until now, I did not see any changes. Under FCRA, inaccurate items should be removed and illegal practices should not be tolerated. I have attached all the necessary items to support my speculations. Also, I've put the dates of the account when they were opened. Please address this issue immediately. Thank you DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX
Consumer complaint received 2022-03-04
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-04
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (MI)

I received a phone call today from XXXX XXXX collections regarding paypal charges that were made in XXXX of XXXX. In XXXX of XXXX  my identity was stolen as you can see from the history of my complaints. I was notified by some alerts from XXXX XXXX that someone was trying to open a {$10000.00} credit line in my name. Charges were added to the account and then reversed when I called paypal to speak with them about the identity theft. I am now being told that because the charges were reversed and items that someone else bought were never paid for, I am now responsible. These charges need to be removed. I am not going to pay these charges.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TN)

Hello I viewed my credit report and noticed something wrong on XX/XX/XXXX there was an inquiry from XXXX was made on my credit report, therefore, I call Experian and dispute this item and it was open the next day it came back verified, I then called XXXX and explain to then that I never applied for credit so they inquire again on XXXX XXXX, I receive a letter from XXXX tating the request that Experian remove the inquires Experian refuse to remove these inquires. Also, I notice a collection on the credit report as well I Dispute it It came bake verify I have never done business with these people. I sent a Debt Validationation letter asking this company to provide all information of this debt they say owe and they to refuse to provide any original contract with them the company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. Please help me understand that the credit must provide accurate information.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MT)

I had a XXXX XXXX XXXX that used Comenity banking system. Their website has always been difficult to navigate. Plus quite often having maintenance issues. During XXXX and XXXX of 2022, their site was going to be down for couple days for repairs but it was down for most of 2 months. They were thoughtful enough to put up a disclaimer that they apologize for any inconveniences and blah blah blah wouldn't be charging any late fees while access to their website was down. Around first part of XXXX they installed a quick access to make a payment but it was non functioning also. Towards the end of XXXX, I wanted to pay this credit card off but it took half of XXXX to do so. I was able to log on and used the pay in full feature the website provided. Day or XXXX later I was able to get logged back on again and checked to see it was paid off. It showed XXXX balance and I canceled the card. Then in XXXX I got email that that I had late charge on credit card. I tried to contact them and also sent email through their website but to no avail. I had no reason to check an account that had been paid off and closed. Would think if a person paid off an account and then closed the said account, they would not be checking it again. I didnt figure they would try to scam me on a {$20.00} interest charge that they had been posted late. I suppose during this time, Comenity was too busy with the selling of their interest to Brands.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (PA)

Sequium Asset Solutions is calling me constantly telling me I owe viasat XXXX for a satellite dish they installed on my roof. After I cancelled their service for not being able to provide me with the service I was paying for I explained to them we were older and not well and could not climb on the roof to take the satlalite they installed down.and told them they were more then welcome to come retrieve it from our roof. 
We constantly are being harassed by phone and mail .by Sequium Asset Solutions LLC XXXX XXXX, XXXX XXXX GA XXXX. XXXX ref XXXX I do not owe them any outstanding money.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, TRANSUNION, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED. 
The credit bureaus have to inquire why my letters are unaddressed within 30 days. 
CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. 
CFPB has to require that the credit bureaus remove the negative items from my credit reports.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My mother ( XXXX ) is a custodian over a XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) with USAA bank and im the beneficiary. She refuses to transfer me any of the money or give me any access to this account, even though im XXXX years old, which is old enough to take control of the account. I receive social security benefits and all that money goes into this account. I changed my direct deposit info, so my monthly payment goes into my my checking account now any not in this XXXX anymore. But the backpay social security gave me is stuck in this XXXX because my mother .refuses to transfer it to me. Theres over $ XXXX in this account. 

The only way I actually see any of the $ XXXX is when my mother transfers money from the XXXX, DIRECTLY INTO HER OWN CHECKING ACCOUNT, then gives me the cash she withdrawals from an ATM. She transfers money to herself. She has even spent money she transfers. She does all this WITHOUT MY CONSENT. 

I first started receiving monthly payments back in XX/XX/XXXX and received a {$21000.00} backpay back in XX/XX/XXXX. She allowed me to spend money on a phone and laptop, and she constantly withdrawals money out so thats why theres $ XXXX left out of the {$21000.00}. The amount in this account keeps decreasing because of the withdrawals she makes multiple times a month. The pictures I added are the withdrawals she made to herself back in XX/XX/XXXX. Unfortunately, the XX/XX/XXXX bank statements are the only statements I have in paper, but it proves she is transferring money to herself and keeping my money from me. 

I have reported this to the social security and the bank and neither can help. Ive even reported her to the OIG Office for fraud and they havent anything. USAA told me there is a grey area with the rules of custodian UTMAs. They say she is obligated to hand over the account and the funds, but doesnt have to since she is the custodian and its technically her account. So if she wants to keep the account and money from me, she can do that. 

Basically, my mother is holding over $ XXXX of MY MONEY in an account thats mine and USAA wont help.
Consumer complaint received 2022-07-24
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. (OK)

Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....