davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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)

As a consumer of the United States, I sent Trans Union a formal complaint on XX/XX/21 about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on several accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX, XXXX XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. As mentioned above a copy of a billing statement is not physical verification. The two companies I just mentioned that pay for services from a provider such as Trans Union have not furnished me any sort of documentation within the allotted time frame ( 30 days from XX/XX/21 ) at all. Delete this negative information from my consumer report. STOP using stall tactics. YOU KEEP CHOOSING TO BREAK THE LAW. Your time has been up by law and you have to delete these fraudulent negative items from my report that you should of been deleted in the middle/end of XXXX. YOUR LATEST RESPONSE FROM XX/XX/21 IS NOT ACCEPTABLE AT ALL. You stated that my complaint includes a dispute of information appearing on my report. Your 100 % correct, it does which is why I sent in letters in XXXX. You had 30 days to gather any information regarding the validity of these negative, fraudulent, erroneous items and you as well as the two companies have not sent me any valid proof bearing my signature. Stop using stall tactics. How dare you state you will have someone from consumer relations enter in a dispute and then well wait to see what happens in 30 days. NO that is not acceptable, you had your time for your investigation and Im sick and tired of Trans Union reporting incorrect, negative, erroneous, fraudulent information on my report. DELETE THESE NEGATIVE ITEMS OF MY REPORT IMMEDIATELY. Your 30 day window been expired.
Consumer complaint received 2020-05-15
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. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance XXXX  shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history Equifax shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Consumer complaint received 2020-05-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have four variable rate student loans that are serviced by XXXX XXXX XXXX. 
The lender is identified on their site as XXXX. 

I looked everywhere on their site to determine how my variable interest is calculated, and when late fees and interest kick in. I was in a position in XXXX where I might need to make a late payment for the first time in years. 

I could not find the variable rate information anywhere on their site. 
The only late payment information I could find indicated that no late fees would be assessed unless the payment was made more than 30 days late. 

I contacted XXXX XXXX on XX/XX/2019 and asked how my variable interest rate was calculated. 
On XX/XX/XXXX they responded, and indicated that my loan was linked to the 91-day T bill and that my payment was 3 days past due. 
That same day, on XX/XX/XXXX, I emailed them back to let them know I would make my XXXX payment on XX/XX/XXXX. 
They failed to respond, and did not indicate that paying on the XXXX would generate any fees or impact my interest rate. 

On XX/XX/XXXX my interest rate went up 1 % to 3.486 %. 
When I called XXXX XXXX on XX/XX/XXXX to ask what happened, they told me that because my payment was more than 15 days late the interest rate was now 1 % higher ... for the life of the loan. 
I was astonished, and emailed XXXX XXXX to complain further. 
They ignored my question relating to why they did not respond to my XX/XX/XXXX email where I explicitly told them I would make a payment on XX/XX/XXXX, and they confirmed that the 1 % interest rate increase was permanent, effectively charging me an additional ~ {$10000.00} over the life of the loan. 

I have attached the email exchange, and my latest statement ( pg. 2 shows the rate jump from 2.486 % to 3.486 % ).
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN EXPERIAN AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX and Transunion continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account XXXX : XXXX XXXX XXXX. I ( Account XXXX : XXXX ) .They received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Both refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Consumer complaint received 2019-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19, my personal Savings account has been fraudulently checked by amount of {$1500.00} in the state of Florida. I didn't recognize this transaction until XX/XX/19. I reported this issue to Chase bank on XX/XX/19 for the first time. One of the representatives asked some questions and informed me that their would have a result within 5 business days. I tried to call the bank within the 5-day period to see if my case was going to the right direction. Unfortunately, all Chase responded was " just wait for 5 days '', and " they would get back to me ''. After the 5th business day, I contacted the bank again because I didn't see the problem was getting solved. The other representative told me that they had not finished the investigation and had no idea when it would be done. 
I deeply understand this kind of issue is not a daily event and investigation sometimes takes more than one can expect, but as a victim, I believe that I do reserve my rights to knowing all the process the bank has been taken and at least a time frame I may expect.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 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 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

I purchased a couch from Macy 's and the due date for payment was XX/XX/XXXX. 
I called and paid {$1500.00} and spoke to the representative and asked for an extension to pay the balance due of {$1500.00}. I did not want to have a {$990.00} interest added to my account. I called in to pay the balance and got the unusual runaround. My calls are normally routed to the XXXX and I was not helped. I called back and they found the agreement and they stated that the balance had to be paid by XX/XX/XXXX that was the agreement and that paying it on the due date did not suffice. I spoke with a XXXX, he stated the most he could take off was {$200.00}. I called again and tried to resolve it today and my call was sent to the XXXX again. There is no help. They noted that I had already paid, and they refer to the payment that I made but I have my account set up for automatic payments. 

I asked about COVID relief, I was told that Macy 's no longer has any type of COVID relief programs they ended XX/XX/XXXX. 

I want to pay the balance of {$1500.00}, not the {$990.00} in interest.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (GA)

near the end of XXXX XXXX XXXX i did my own investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate item with Santander consumer USA account. 
so i decided to send Santander consumer USA a letter stating that the account is showing and still reporting negative on my account. and that in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681u ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX  send a letter saying their record show that i have a total balance of XXXX. However, we are willing to accept only XXXX to settle my account in full.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-15
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. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this XXXX  show no data on 2 yr pymt history Experian show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Consumer complaint received 2020-05-15
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. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed when it is being disputed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the XXXX on the account. I didn't receive this paperwork status update date proves that this account wasn't even investigated. 
Contacted creditor and was told it was charged off yet credit report shows balance still owed as well as a past due amount of {$10000.00}. I contacted the company who they claim they sold the debt to yet no one answered and phone just rung. 
There are several FCRA violations associated with this account and though I have disputed the validity of this debt several times, I have yet to see any PROOF of amounts. 
XXXX  states late 120 days. No other agency is reporting this Transunion show no data on 2 yr pymt history XXXX  show no data on 2 yr pymt history Account has been charged off since XX/XX/XXXX yet past due amounts and balance owed are still reporting on my credit file.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (PA)

In XX/XX/2018 I paid my auto loan of {$620.00} through Ally Financial 's bill payment app. The app crashed upon my submission of the payment. I did not resubmit because of the chance of a double charge and I believed the payment went through.The payment did not get posted and I was given a 30 day late on my credit report. Once I realized the money never left my account and the payment was not received I called to fix the error. Ally said they would put a dispute in and let me know the result. They contacted me and said their app didn't receive my payment and they couldn't remove the late payment. I spoke with managers and they said they would try to help me. I was sent to several people and none helped me resolve the matter. I pay my bill consistently. Still no one would see my side. I kept being told that the tech team said there was no issue with the app. How would I know if that is true or not? On top of that, the late payment is being inaccurately reported on my credit report. XXXX  has it for XXXX, while XXXX  and XXXX  has it reporting late for XXXX. Attached is the payment history from my credit report showing the inaccuracies.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I tried to deposit {$4000.00} cash in atm at chase bank XXXX XXXX  in XXXX, MI. The atm gave error said I entered to many item, spit out {$1900.00}. I assumed it counted the {$2100.00} because no receipt came out. My atm card was still in atm never took out. I counted out bills of XXXX {$20.00} 's and made deposit of remaining deposit, still no receipt. I opened app for chase on my phone and it only deposited {$1900.00}. I immediately call the number on atm, walked around Vehicle to see if any thing was on ground. Rep assured me money was still in machine they would find if I put it in machine. I received a deposit of {$2100.00} on XX/XX/XXXX from chase. On XX/XX/XXXX chase took {$2100.00} out of account stating they didn't find any money at all. Leavin account negative XXXX. A deposit of my social security and stimulus came in still leaving account negative. I asked for them to look again and look at the camara cuz I stacked it all at window and my card never left machine so I know it is a visual of what happened. I was the told to contact police and get a lawyer to get a supeona to have chase look at camara. I can't afford a lawyer on on XXXX XXXX. Im stressed and lost. I did obtain a police report.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (FL)

My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 XXXX student loans on my credit report. All 3 credit XXXX, Equifax Ive since then been calling and get no help. As to why was my student loans reported to my credit
Consumer complaint received 2020-05-15
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. (TX)

Submitted several disputes and last verified date shows XX/XX/XXXX and account currently listed as not disputed. Status update date proves that this account wasn't even investigated as the credit bureaus stated so this account can't possibly have been verified because the status update date has not changed. 
Creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane on the account. I didn't receive this paperwork and have requested it several times. 
Contacted creditor and was told it was charged off yet credit report shows balance Experian shows last payment XX/XX/XXXX and several chargeoffs are reporting in 2yr payment history XXXX show no data on 2 yr pymt history XXXX shows last payment date of XX/XX/XXXX and no data on 2 yr pymt history How was this date verified as accurate when so many values, reported by the same company, dont even match up?
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (MD)

As a result of a previous issue with a fraudulent credit card company, my score dropped over a hundred points. The illegal reporting was removed but the damage had been done. In an effort to increase my credit score, I followed the suggestion of XXXX XXXX XXXX to open a credit card. Unfortunately, the card required a deposit in which I was not willing to pay so I never activated the card. A month or so later I received a call indicating that I owed approximately {$140.00} on the card. I told the company that it had to be a fraud and asked them to investigate it. I also told them if it was an open account it needed to be closed. I was told an investigation would not start. In XX/XX/XXXX I received an alert regarding the same credit card that I was 30 days late. This issue is very very similar to the one with XXXX  that I had already been through. I called the company and asked why I was being reported when I never received an explanation or accredited answer from their fraud department, which is when they brought up XXXX. I currently have an attorney suing XXXX and XXXX  XXXX. When I questioned if the fraud investigation had been completed, they said they could not talk to me because I had representation. I have just finally escaped a XXXX  XXXX relationship, which caused me serious financial hardship in XXXX of XXXX, and was trying to sell my home and buy another close to family. However, because of XXXX, I was unable to get a favorable rate. So, I tried other avenues and the market changed in XXXX and rates skyrocketed, and I was not able to move. So, the XXXX suggestion seemed like a good one, until I was put right back into the same situation. This is a fraudulent pattern with the company that represents both XXXX  and Destiny credit cards. This behavior is extremely harmful to the public at large, especially those who have no knowledge of how to challenge these types of events that affect their very livelihood. 
Please investigate this company and the reporting practices of the credit reporting agencies that do not challenge these types of things but simply rubber-stamped them. I am once again going to try and purchase a new home and this has become a nightmare that just won't end. After all, I have been through having to deal with something as important as these, and having no control is devastating. It's only by the grace of XXXX that I have not lost my mind!!!