davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (MD)

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 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 us 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 2022-08-04
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. (IL)

I summited a request to TransUnion and XXXX asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The above dispute was submitted to Experian on XX/XX/2022 however their investigation wasn't completed until XX/XX/2022 which according to the Fair Credit Reporting Act if the investigation isn't completed in 30 days the disputed information should be removed.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

I received a letter from Synchrony Bank stating that I was denied a PayPal Credit account that I never applied for. The letter has a reference number to refer to get more information on what happened and that the card was not approved due to Identity Theft Risk Factors. Synchrony lucky identified this and stopped the approval, as I never requested or started this. However, I have been on the phone trying to get information on this and the customer support does not seem to take this seriously. I have had to call five times as they kept disconnecting me and not calling back. The phone system takes 5-10 minutes to get through each time, because it is trying to get your account information, since I do not have an account this is a long process to talk to someone about this identity theft. I have gotten through a couple times and was on the phone with fraud and security team that said they had the information pulled up and then they transferred to start the process all the way over. I have been working on this for over four hours and keep getting transferred around or placed on holds for 45 minutes at a time. This seems very ridiculous and not helpful in this stress time. After being on the phone again for XXXX hour XXXX minutes and speaking with a supervisor they just set my call back to the starting message again. This company is not taking this seriously and I deserve the right to be assisted in this case.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-02
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting the documentation that experian, has on file that determine that this information is a 100 % accurate and correct. Who did you interview regarding the dispute items. Provide this information to me by email on mail within XXXX days or remove these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My email is XXXX XXXX
Consumer complaint received 2022-08-02
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. (MS)

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 heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 us 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 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I am unable to open type of banking account t with any bank due to having a fraud alert in my chase account back in 2012 I report to the chase that I was a victim of identity to the point I can not bank with anyone which is unacceptable and I need this removed immediately. I cant not move forward with my life and manage my funds if I can not open an account
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-08-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services (DC)

On XX/XX/XXXX, I made a payment on my student loan account at EdFinancial for {$500.00}. On that day, my account showed the correct balance I owe. However, on XX/XX/2022, I logged into my account and it showed the WRONG amount owed on my student loan balance. As of my last payment on XX/XX/2022, my balance owed should now show {$4700.00}. However, since XX/XX/2022, it shows that I owe {$10000.00} which is INCORRECT. 

I called EdFinancial on XX/XX/2022 about this, and they said there was a " glitch '' in their system and they also said my balance would be updated within XXXX - XXXX business days to reflect the correct amount I owe. 

On XX/XX/2022, I logged into my account on EdFinancial and saw that it still shows the incorrect balance owed. So I called their customer service department on the same day ( XXXX XXXX, XXXX ) and they said that they would escalate my request ( to update my account to reflect the correct balance I owe ) to their Finance department. They also said my account would be updated within 4 business days. They also said " for some reason '' my recent payments were " unapplied '' to my account ( even though the " Payment History '' has a correct tally of all the payments I've ever made ). They also said that I am not the only student loan borrower that is having this issue with them. 

In my view, something very suspicious is going on at EdFinancial. Why are they taking my payments, but not applying them to my account? Please help!
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Notified by Bank of America of fraud on my credit card via voice-mail and when I logged into my account on XXXX XX/XX/2022. MY CARD WAS DECLINED FOR TRnsCtions on XXXX XX/XX/2022. I called them on XXXX XX/XX/2022 and verified that the transaction for XXXX dollars on XXXX XX/XX/2022 I did not authorize and this was listed on my account as an ACH Payment Refund. I called Bank of America again and they told me to go into one of their offices. I went into Bank of America offices on XXXX XX/XX/2022 so the could verify my identity and talk to fraud personnel for the third time. They said the investigation would take up to 60 days. During my second call they said they would send me a cashiers Check. I have received different information each time I have called the fraud department about the circumstances of what happened and the resolution, very confusing/misleading.
Consumer complaint received 2022-08-02
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. (GA)

I just received notice on my complaint filed XX/XX/2022 CFPB # XXXX that the company needs 60 days to respond and or investigate my complaint. This is unacceptable and a violation of the FCRA which states they have 30 days to respond.
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My federal student loans have only more recently been serviced by Nelnet but it has been nothing but problems since the start. When my loan was with the previous service I was given a 1 % discount for paying 24months on time - this discount was completely lost and never and applied when Nelnet began servicing the loan. I finally got a customer service agent at Nelnet to agree and see the problem and she said that someone would be calling but no one ever called. There should also be a discount in the loan percentage for doing it paperless. 

Further, I have an income based repayment ( IBR ) payment plan and was told that I have to change the loans to Direct consolidation from XXXX in order to be considered for loan forgiveness - this makes no sense and no one is able to give me any answers and we are running out of time as the deadline is looming at the end of XXXX. Further, I don't really want to consolidate my loans at the higher percentage rate because Nelnet screwed up. 

Further, IBR should be only paid for 20 years, and I think I am at just about at that but no one had any history or information or history of payments to give me any information when I would be done with payments and the loan would be forgiven. I am really just looking for answers as Nelnet has been nothing but sneaky and fraudulent and this is the 2nd complaint I have had to file. In fact I am pretty sure they owe me money as a penalty for falsely reporting my loans as late a year ago to all the credit bureaus and they never did.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

It is XX/XX/XXXX, i get paid. My first XXXX on chime and its only {$200.00} because i wanted to see if chime was trustworthy so i set my XXXX to {$200.00}. I make a transfer to my savings, {$75.00} then i buy myself a water at XXXX since i live across XXXX XXXX from it. I lost my card at the same XXXX and XXXX hour and later i get charged {$57.00} by XXXX and i know i only spend {$2.00} or XXXX on the water so theres no way i should get charged {$57.00} right? I call chime customer service and explain this to them, they disregarded my complaint as an issue and i had to get connected to another customer service associate after being hung up on. This 2nd associate was able to provide me with help and started a dispute for me. I had submitted timestamps of where i was with the help of XXXX showing iwas indeed at XXXX at XXXX to make the transaction for the water but i was home during the {$54.00} transaction. Another reason i am making this complaint is because chime refuses to start my dispute for {$150.00} for a transfer to my CLOSED XXXX XXXX account that was not made by me. This is XX/XX/XXXX and im getting continuous emails at this point about new locations and devices where my account is being accessed so when i wake up to this my first instinct is to check my chime account,... i went from $ XXXX {$0.00} so my initial instinct of course is to change my password. Done. The very next day i had a fraudulent atm withdrawal for {$200.00} which left my account at {$1.00} after they had transferred {$180.00} out of my chimes savings account. This entire experience with Chime has left me wondering if ANY bank has security features AT ALL ... I used to be a satisfied customer up until all these fraudulent charges, although i am okay with them happening becausei i know my bank has my back i know that CHIME as a financial service WILL NOT have my back, side with me or help me get my money back. I filed a police report and i am writing this complaint as a final hope to reclaim my stolen funds.
Consumer complaint received 2022-08-04
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. (IL)

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 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 im XXXX now.with no help.