davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I requested a refund for the student loan payments I made during the COVID pause. I only received 3 payments back. I called Nelnet to make sure they sent all of my records for my payment records. My loan was transferred from Great Lakes to them during COVID and they have the records of all my payments for the last 5 years. They said that they sent my Great Lakes record of payments as well. 

I received checks for 3 of the payments dated XX/XX/XXXX I did not receive a refund for the other payments I made. In XXXX, I called and spoke to a representative that told me that they also sent my payment records from Great Lakes since my loan had been transferred and I should be receiving my refund shortly. I called again at the end of XXXX and asked for the representative to re-send the request because I still had not received my refund for all the payments. 

It is now almost XXXX and I have yet to receive that refund. 

I have attached the documentation.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TN)

My account was charged a pending charge of {$140.00} to XXXX for a few gifts I ordered for pick up. I got there and was told they were out of stock on certain items and that I would receive the money back into my account once the transaction finalized for the correct amount. I waited days for the transaction to be finalized and no longer pending. Once it was finalized it was {$22.00}. However I never received the rest of the money back into my account. I called Chime customer service and at first was told that the pending amount was never taken from my account. Yet it was deducted from my Available to spend. I asked to speak to a supervisor, who once on the phone told me that the money had been returned. When I kept trying to explain that it wasnt she transferred me to another supervisor who proceeded to repeat the same thing, and then after I wrote down all of my transactions and used my calculator to check what my balance could be only to find it was missing {$110.00}, he proceeded to tell me that my account had been negative. This was my Chime Credit Builder account.. which my spot me is not connected to nor can you go negative on chime other than the spot me.. which is only $ XXXX. I have yet to receive the {$110.00} back. I spent almost two hours on the phone and it was pointless. I am XXXX to say the least. And then they wouldnt transfer me to a higher person, claiming that was the highest we could speak to. Chime has some good features but they are clearly okay with stealing money from their users, and the customer service sucks ( understatement. ) I will be switching banks asap.
Consumer complaint received 2023-12-23
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)

XXXX XXXX doing business as XXXX XXXX failed to notify me in a timely manner of the compromise. Far more than thirty days passed before I received details of the intrusion- was I effected ; what was lost in the intrusion. 

Further about 60 days passed before I was made aware of free credit monitoring, etc. 

Phone calls to them resulted in a run-around and no concrete information
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-10-23
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-23
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

This is a follow up on a previous complaint of which the same Problem still exists and equifax misinterpreted the complaint and did not amswer ot properly or correct the problem. 

Below is an email i received from XXXX that says Equifax has issues Communicating my information to XXXX and everyone I speak to at Equifax ( most recent communication today ) doesnt know what I am talking about. 

Here is the email from XXXX : As a member of XXXX XXXX XXXX, XXXX of the benefits is three-bureau credit monitoring. Unfortunately, we were not able to establish credit monitoring with one or more credit bureaus, which means you have not been receiving alerts from this bureau when key changes were made to your credit report, if any : Equifax : ( XXXX ) XXXX You do still have access to your other XXXX membership benefits. To see all of the benefits available to you, please sign in here. 
If you have any questions, please contact us at ( XXXX ) XXXX ( XXXX from XXXX XXXX to XXXX XXXX and Saturday-Sunday from XXXX XXXX  to XXXX XXXX PT ). 
Sincerely, Your Experian Team I also received this notice from XXXX in their App : Sorry, we can't show you today 's XXXXbureau report. 
This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paramount GR Holdings, LLC (UT)

I am XXXX XXXX XXXX. I believe I was taken advantage of. I purchased a furnace from a company now called XXXX XXXX XXXX XXXX XXXX 
They offered terms of 1year financing at no interest expense. I requested that I set up a bank autopay arrangement to make sure it was paid before the 12 months was up. They said they couldn't do that and offered an online payment system that I would control. I used that until it failed to work ( tech problems on their end ). So I requested auto pay again. They said they could only do it for 6 months. ( I discovered later that it was not auto pay with the bank, but someone manually debiting my bank account, monthly. I didn't understand why, but agreed to use that, believing it was a true auto pay, and intended to renew it when the 6 months was up, for the balance of the payments. ( I was concerned about these gimmicks ). After six months they quit debiting my bank account. I wanted to redo the autopay. They told me my balance as {$1400.00}, but expected me to pay before the deadline ( XX/XX/XXXX ). I wanted auto pay, and neglected to pay on time. I called them XX/XX/XXXX and they said I owed {$2300.00} to pay off the loan. That was {$930.00} more than the original loan amount. They had been charging me about 16 % interest daily until paid off, so I paid {$2000.00} on the XXXX, continued to argue with them about their tactics and gimmicks, and finally paid the remaining {$380.00} to avoid additional hassle and cost, on XX/XX/XXXX. 
They said they could have set up bank autopay in XXXX of XXXX, way after the deadline of no interest charges. If so, then why not originally so that it would have been paid on time, no problems. So I ended up paying {$930.00} additional cost for being six days late, plus additional interest until I paid in full. I believe their payment arrangements were intended to throw me off schedule on the payments, and not allow the easy, sure way of getting paid so that they could hit me with exorbitant interest and penalties. 
I am hoping that you can help me get back some of that exorbitant extra cost.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " | 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 ''.

Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open-end and consumer credit plan as late for any purpose. 
Please update the following accounts as paid, never late. 

XXXX XXXX XXXX XXXX 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 2023-12-23
Product: Credit 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: CITIBANK, N.A. (TX)

This issue started when I reserved a room at the XXXX XXXX  in XXXX, Tennessee. My travel plans were altered, and I needed to cancel the room, but I could not find the reservation under XXXX. My normal provider. 
The next event was when a charge appeared on my Citibank Master Card as a charge to XXXX XXXX XXXX. I contacted Citi, and they said I should cancel my card and dispute the claim as fraud. I followed the instructions. I received a new card. 
I received an email from XXXX with a copy of an email confirming my reservation, and I responded that I would be happy to pay for the first night as a no-show, as stated in the hotel 's policy. I contacted Citibank, and they said they understood the problem and that women from the dispute department would contact me. 
My next experience was a letter from Citi saying they had disclosed the dispute because I acknowledged the charge with XXXX. I explained the problem, and an agent tried to open a new dispute. He later told me it was impossible. I called Citi back, and another agent told me she opened another dispute for me. I received communication from Citi saying the new dispute was closed because it was duplicated. I called citi back on XX/XX/XXXX and a representative in Florida named XXXX said she resolved the problem and would call me on the XXXX to confirm. I did not receive a call, so I contacted Citi again and spoke with another agent in Arizona named XXXX. She finally told me there were so many documents in my file that she could not find the one I was referencing and that I should mail or fax a new file to XXXX XXXX XXXX XXXX The issue is simple. I want to pay for one night at the hotel as a no-show as specified in XXXX policy. That seems to be out of the grasp of the Citibank XXXX.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Good morning, I am filing this complaint due to inaccurate reporting and a Chargeoff for my consumer report for XXXX XXXX. 

The first thing I noticed was the date opened was different. Transunion reported the date opened as XXXX XXXX and XXXX reported the date as XXXX as the date opened. 
The date last reported was different as well. Transunion and XXXX reported the date last reported as XXXX XXXX reported the date last reported was XXXX 
Lastly, the date last active was different as well. Transunion reported the date last active as XXXX XXXX reported the date last active as XXXX XXXX reported the date last active as XX/XX/XXXX. 
These items are violations of my consumer rights pursuant to 15 USC 1681.

As for the Chargeoff on my consumer report this is considered a certificate of indebtness. This is also considered income being reported on my consumer report. Income can not be reported on my consumer report.

I also added the Privacy Act of 1974. 
The Privacy Act of 1974 ( Pub. XXXX XXXX XXXX ( United States ) XXXX, XXXX XXXX. XXXX, enacted XX/XX/XXXX, XXXX XXXX. XXXX ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX date breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX Data Breach XXXX I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Consumer complaint received 2024-01-08
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2023-12-23
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. (VA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2023-12-23
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-10-23
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

The derogatory rating on my account has directly caused loan denials and increased interest rates on my existing credit accounts. This inaccurate rating must be deleted and blocked from reporting to all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-01-07
Product: Credit 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: WESTERN UNION COMPANY, THE (TX)

Per our phone conversation with Western Union claim department on XX/XX/XXXX I'd like you to consider my valid claims because on and after XX/XX/XXXX it appeared my debit card XXXX information was stolen and used in the following days without my authorization. I did not check my bank statement until XX/XX/XXXX to see those unauthorized transactions. On the same day I asked my friends who were there at my place on XX/XX/XXXX if they or someone else knew anything about this. I asked ( or was suspicious of ) them because we did have previous conversations from time to time at different places about random frauds and scams happening everywhere. I do have some witnesses as my close friend named XXXX XXXX who overheard our personal conversation with the main suspect ( or the accomplice ), saw her looking at some cards ( most likely the bank cards from my wallet on the kitchen counter ) while I was not paying attention at my place on XX/XX/2023. Apparently she put my bank cards back in my wallet without my knowing at that time, and used the debit card information to make the unauthorized payments below : Unauthorized Western Union transfer XXXX $ XXXX USD on XX/XX/2023. 
Unauthorized Western Union transfer XXXX $ XXXX, $ XXXX USD on XX/XX/2023. 
Unauthorized Western Union transfer $ XXXX, $ XXXX USD on XX/XX/2023. 
The total stolen amount was $ XXXX USD. 

Western Union denied their responsibility to refund my stolen money and stated that XXXX XXXX was responsible for the refund. However XXXX XXXX denied that responsibility and stated Western Union to refund my stolen money.