davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION TWO MONTHS AGO, I WAS HAVING PROBLEMS WITH TRANSUNION REPORTING AND AFTER CONTACTING TRANSUNION I FOUND OUT I HAD AN UNWANTED AND NON REQUESTED FRAUD ALERT. I INFORMED THEM I WANTED IT REMOVED. THEY TRANSFERED ME TO THE DEPARTMENT WHERE I HAD IT REMOVED. 
ON XX/XX/2020 I ATTEMPTED TO APPLY FOR A CREDIT LINE AND I WAS DENIED. IT WAS BECAUSE TRANSUNION HAD A FRAUD ALERT IN PLACE AGAIN EVEN AFTER I HAD IT REMOVED, WITHOUT AUTHORITY. 
I ATTEMPTED TO SPEAK TO SOMEONE TO NO AVAIL I AM CONSISTENTLY HAVING LIKE ISSUES WITH TRANSUNION AND XXXX. I AM INTERESTED IN FINDING OUT WHY THERE IS UNWARRANTED ACCESS TO MY CREDIT REPORTING WITHOUT CONSENT.
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I've sent emails to Nelnet, my student loan server, on several occasions with no response. I waited the alloted 5 business days and they still have not completed my request. My student loan payment was due on XX/XX/2020 and I paid the full amount on XX/XX/2020. On XX/XX/2020 I received an email from Nelnet advising me of the Forbearance due to the COVID-19 pandemic. I read through the FAQ 's regarding the Forbeance, which stated this went into affect XX/XX/2020, and if we already have made our payment, we can request it be refunded without penalty. I emailed Nelnet on XX/XX/2020, provided my account information and requested a refund. By XX/XX/2020, I still had not recieved a response so I sent a second email. It is now XX/XX/2020 and I have still not received a response from them.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (WY)

On XX/XX/20 I logged into my bank account and noticed a {$240.00} charge to " CashApp. '' After searching around online, I discovered this was a virtual money transfer service. However, since I do not have a CashApp account, the charge was clearly fraudulent. I then contacted my bank to report the fraudulent transaction. The Bank opened an investigation and recommended I call the merchant. Upon searching the internet for the merchant 's contact information, I found that CashApp does not provide consumers with a customer support line, email service, or web support service. Furthermore, I found a deluge of complaints from people online suffering from similar instances of fraud related to CashApp. However, because CashApp offers no means for consumers to report fraud or flag a fraudulent account, the only thing victims of fraud can do is report the transaction to their bank and wait. This is ridiculous. I can not believe this company is essentially permitted to facilitate fraud. Clearly, since someone was able to open an account with only my debit card number, CashApp requires no real identity verification measures. And, since I can not flag the account or contact CashApp, the user can keep it open in my name. Please do something to put a stop to this company 's horrendous practices. 

All best, XXXX
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I opened a checking and savings account with US bank in 2018. When I opened this account I opted OUT of their overdraft coverage. Months later my account over drafted and I contacted the bank to say again that I had opted out of their overdraft coverage and that if there was no money in the account nothing even for {$2.00} should clear this account. 

US Bank repeatedly ignored my requests and overdrew the account again after I'd cleared up their first round of fees. This time the account fees snowballed until they charged off the account and sent a collection amount to the tune of XXXX to Consumer reporting agency XXXX  and even labeled it as a abuse! I rarely ever used this account. There's no way I could have abused it. 

Consumers have the right to opt out of debit coverage that causes their accounts to be overdrawn.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by transunion Llc are TrasUnion and XXXX these are the only 2 reflecting negative scoring. These scores were altered and its history by transunion to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (OH)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2020-04-21
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. (CO)

Equifax and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX  partial account number XXXX. Equifax ; XXXX  and XXXX   are also reporting that I am ( 120 180 ) days past due on the XXXX partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AZ)

Attempted to dispute a NON-APPROVED charge on my card. Very little help on website-lots of rerouting and sales pitches, diversions. Eventually reach a rep who then states she has to transfer me again-while on hold the call is disconnected.? 23minutes just to call back and get the same recordings and routing. Did not bother to continue. This compamy has pulled this before and even before that on my mortgage. These delays allow them to add charges for forgotten paperwork, diversions, promises etc. I was stuck with {$60.00} in fees the last time since they continue to charge fees while helping me resolve issues. Why with all this credit card fraud and known illegal billing are they allowed to continue-forcing we customers to enlist a lawyer at higher costs and minimal resolution?
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I would like assistance in disputing a charge that is outside of the " 60 day '' time period. Last year I was contacted about working from home and I ended up paying several companies all connected several thousands of dollars for a website and related services. I have attempted to resolve them directly and some have refunded me but I am now realizing that the one company was not at all affiliated and just led me to believe they were and another has gone out of business. I have done my research and am now aware that the internet work at home business is nothing but a scam. I have been targeted and ripped off these companies because of their misleading and deceptive sales practices. It was not until I receive information for the Attorney General that I knew that I could dispute this under the credit card statute of Claims and Defenses. Please help me get to someone at Bank of America that is capable of handling this properly for me. The charges that I am requesting assistance on are : XX/XX/2019 - XXXX XXXX XXXX XX/XX/2019 - {$2600.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$50.00} XXXX XXXX XX/XX/2019 - {$150.00} XXXX XXXX XX/XX/2019 - {$3200.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX   XXXX  XX/XX/2019 - {$70.00} XXXX  XXXX  XX/XX/2019 - {$70.00} XXXX XXXX
Consumer complaint received 2024-10-29
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. (VA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (FL)

Since XXXX I have disputed accounts with Experian, XXXX  and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX and XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX  has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Consumer complaint received 2020-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am complaining about Bank of America EDD program. They are forcing users to pay large fees during pandemic and unemployed people are suffering. I applied for unemployment the week of XX/XX/XXXX. The EDD department never sent me my bank of america card. I had to call and request it be mailed. It is XX/XX/XXXX and still no card. There site won't let me access my funds from EDD without the card. It claims once I have the card, I won't be able to transfer the funds to my normal bank, XXXX XXXX without paying a {$15.00} fee for each electronic transfer. That seems excessive to charge {$15.00} while everyone is using electronic banking rather than in person banking during the pandemic, especially, to charge that for unemployed people who would regularly never use their bank. I do not have a car either, so I can not safely go withdraw the money from their bank in person. I have to transfer the money to my XXXX XXXX account so I can use the funds to write a check with my check book to pay my XXXX rent which is 21 days late. Currently, they won't let me access my funds at all because the Bank of America card has not come in the mail at all. Bank of America should not charge unemployed people fees for money transfer during the pandemic. If 6.6 million unemployed Californians each have to pay {$15.00} to have their unemployment money deposited into their normal bank account, Bank of America will have charged 6.6 million times {$15.00} ( 6.6 mil people x {$15.00} XXXX. This is {$99.00} million dollars in {$15.00} transfer fees. This {$15.00} is charged each time the user makes the transfer, thus since EDD funds are distributed monthly. The Bank of America could take {$99.00} million dollars of EDD unemployment funds from Californians each month of the pandemic, while electronic transfers are the safest option for our health.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-10-29
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately 1. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable.

Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2020-04-20
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. (TN)

I have submitted over 6 disputes to Equifax. They robotically decline all of the disputes and simply state they don't have to look into it again because they already did once. ( years ago ) HOWEVER, I now have the police report, FTC documentation, and proper paperwork to get these items removed from my credit report because they are fraud. Equifax doesn't care. 

Moreover -- Equifax has it built into their online dispute system to give an error anytime someone tries to submit a dispute on their account that results in removing a negative account. I can prove this. I attempted to submit 4 disputes today. 2 simply asking for information updates, and 2 stating there was fraud and/or inaccurate data. The inaccurate data disputes went through no problem. The disputes with fraud and inaccurate information resulted in Equifax stating there is an " error '' and they could not process my request.. to try again later. I tried this repeatedly -- with the same result. 

I'm no lawyer -- but that seems like shady stuff there. and Ive sent in letter after letter through snail mail -- and followed up with calls just for Equifax to tell me nothing was ever received. Of course there is no way to send anything through email -- even if encrypted. That would result in accountability and tracking! 

EQUIFAX should know why this fraud happened. It was their fault- I am part of the class action lawsuit against them because of the breach. Im going to be including this time in the hours I am billing against them for having to fight this.
Consumer complaint received 2024-10-29
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. (WI)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (PA)

Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX ct Opened XX/XX/2017 Balance XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, 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. (WI)

There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WV)

Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. XXXX   Experian, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.