davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On numerous occasions I have contacted all 3 credit bureaus regarding them reporting a public record on my consumer report. After each dispute they return that the court in which the public record is being recorded has validated the account which is incorrect. I have personally contacted the local court and they have sent me proof that they do not nor have ever validated this information.
Consumer complaint received 2022-04-15
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. (IN)

In accordance with the Fair Credit Reporting act Convergent Account # XXXXXXXX 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 XXXXXXXX, XXXX XXXX Federal 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 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I recently contacted Nelnet multiple times the past week. Firstly, my student loan was showing repayment to start in the year XXXX. I was told this was because of a borrower defense claim. However I contacted borrower defense and reviewed all paper work and these loans should not have been put into forbearance by Nelnet. I contacted Nelnet again and a supervisor stated that this was just an error and it should update. Now the payment date was 1 month later in XXXX when payments should not be in forbearance at all and should start in XXXX. 
I just opened up the mail from my mail box ( physical mail ) and found a letter stating that I requested a forbearance and that my due date is now XX/XX/XXXX. 
On all of the paperwork reviewed with borrower defense, I specifically asked for my loans not to be put into forbearance. 
Now regarding my most recent IBR plan request, I also specifically requested for any loans in Forbearance to start re-payment immediately. However I received this physical mail nearly a week after that request. 
I will not be responsible for any accrued interest that is capitalized due to this error on the part of Nelnet so please have this reviewed and fixed.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to report a concerning issue regarding a series of unauthorized transactions on my Chase bank account. On the dates of XX/XX/XXXX and XXXX, a total of ten unauthorized transactions were posted to my account. I promptly reported this issue to Chase bank within the same week. 

Chase bank acknowledged my report and conducted a thorough investigation into the unauthorized transactions. Subsequently, they accepted my claim and credited the disputed funds back to my account. However, to my dismay, on XX/XX/XXXX, I observed that Chase had reversed their decision and deducted the refunded amount from my account. In my conversation with Chase customer service, they replied to me back that the transactions were used by using my phone and face ID, asserting their inability to resolve the matter and refund the money. 

It is crucial to highlight that during the period when these unauthorized transactions occurred, I was on a business trip in Texas and did not utilize my Chase debit card. I kindly request you to verify this information by examining the flight ticket receipts and XXXX trip records that clearly indicate my presence at the airport on XX/XX/XXXX and my subsequent journey to XXXX, Texas. 

Additionally, I have attached supporting documents which demonstrate the fraudulent nature of these transactions. The transaction descriptions specify that the payment methods used were 'in person ' and XXXX, ' despite the fact that I was engaged in a training session at the time and have never possessed a XXXX account or used it for any transactions. 

I am deeply concerned about the resolution of this matter, as these unauthorized transactions are not only financially burdensome but also a breach of my account security. I kindly request your assistance in rectifying this situation promptly. 

Please feel free to contact me based on my information that I have provided to discuss this matter further.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2023, I redeemed some of my Capital One rewards points to book a flight on XXXX XXXX. Unbeknownst to me, my action of using the benefits of the card triggered some sort of fraud warning. 

On XX/XX/2023 I tried to use my Capital One credit card to pay for dinner and it didn't work. I was embarrassed but didn't have another credit card on me. After trying the card several times, the restaurant ended up comping my dinner so I could leave. 

While walking home from dinner, I called Capital One. They let me know that they'd locked my account due to suspected fraud and I needed to upload my driver 's license, a bill with my address, and my social security card to unlock my account. 

When I got home, I couldn't find my social security card. I asked them if there was any other way I could prove my identity- my passport, my birth certificate, etc. They said that no, my social security card specifically was required. Since I don't have my social security card, I asked Capital One to transfer the points I'd earned out of my account and close it. They refused. I said ok, can I abandon all the points I've earned and just close the account. They also refused to honor my request to close my account saying that they couldn't take any action on the account while it was locked for fraud review. 

In XXXX, Capital One charged me the {$390.00} annual fee for the card. This was paid via autopay from my linked bank account. 

In XXXX, Capital One closed my account. 

I'm annoyed that : 1 ) I lost all of the points I had accumulated on the card, because Capital One ( erroneously! ) marked my account for fraud when I was just trying to use the points I had earned. 
2 ) They didn't close my account when I requested, instead waiting until the annual fee was charged ( XXXX XXXX and XXXX XXXX!!!! ) and then closing the account 3 ) I didn't get ANY value from the {$390.00} fee because since XXXX I have been unable to use my card, accumulate points, redeem points, or access any other card rewards.
Consumer complaint received 2023-03-14
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXXept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX 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
Consumer complaint received 2023-08-30
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or omitted as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, XXXX XXXX amount, and Close Date are inconsistent throughout credit bureaus XXXX, Experian, and XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the XXXX credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX is inaccurate because This item is not being reported on XXXX but only being reported by XXXX and Experian, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report XXXX showing the inconsistencies reported by Experian, XXXX, and XXXX showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account 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
Consumer complaint received 2021-12-18
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. (NY)

i am a victim of identity thief. XXXX XXXX XXXX has fraudulently accounts on my credit profile that need to be removed immediately. 

XXXX XXXX XXXX aswell
Consumer complaint received 2023-08-20
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-08-30
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. (OK)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-08-30
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. (VA)

It has been drawn out to be fraud that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-20
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. (NC)

when i first had my social security card in XXXX, around XXXX, i didnt know much about it since i just got into america XXXX i was in a room with few people living together so i really didnt think much of it that it was something people use to steal victims identity. i opened a bank account and applied a job. i never used my social again until few days later i decided to open a new bank account and they requested for the hard copy which i realize my social security card was stolen from my small bag that i keep some vital documents. i went to the social security office to get a new one and then went to the XXXX police station to file a report. so all the XXXX  XXXX my account isnt mine except which rXXXX XXXX XXXX and XXXX XXXX XXXX. thank you
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WV)

On XX/XX/2023 someone hacked into my online account with Chime bank. They changed my password and ATM PIN number then added my debit card to their XXXX XXXX account. Immediately after the changes were made, 17 fraudulent charges were made at 4 different XXXX stores and 1 XXXX  restaurant in another state. In total, {$2400.00} was stolen from my account. My checking account was overdrawn by {$130.00}. I became aware of the situation a few hours after it happened and called Chime immediately. My password was changed, my old cards were canceled and new cards were issued. I reviewed my account history and transactions with the agent and a dispute was submitted for the fraudulent charges. The next morning I contacted XXXX corporate office to discuss the situation. They provided me with a case number and told me a representative from each of the 4 stores my card was used at would contact me. A few hours later I had spoke with all 4 representatives. They informed me that there were other victims and an investigation had been started. I contacted the officer leading the investigation and gave him my information. I filed an official report and received a case #. Im still in contact with the officer and video footage of the transactions involving my card have been obtained. I intend to press criminal charges if an arrest is ever made. 
To date, I have filed 4 disputes for the fraudulent charges with Chime. 3 of the 4 disputes have been investigated and denied. The 4th is pending. Ive provided more than enough proof and documentation that the charges were unauthorized, fraudulent and that it was absolutely impossible for me to be involved yet my checking account remains overdrawn and my money hasnt been returned. Im struggling financially and have been unable to pay my bills because of this. I just want my money to be returned. I shouldnt have to go through all of this.
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I have two collections on my credit report. The Original Creditor for both is XXXX  XXXX and the two debt collectors are Midland Credit Malmanagement and XXXX XXXX XXXX. I have already filed a complaint against XXXX XXXX  and the CFPB forwarded the complaint to XXXX XXXX Regulator and I have received Notification from the Regulator and that XXXX XXXXXXXX was informed of the complaint and directed to respond. 

This Complaint is against Midland Credit Management. Both Midland and XXXX who are both affiliated companies, Midland Credit Management services accounts for XXXX. Both affiliates are reporting and claiming rights to that debt. 

However, as i mentioned in the last complaint toward XXXX. There is no XXXX XXXX on any of my credit reports. I have two collections for the same Original Creditor that does not appear in any where on my credit History. not one of the 3 credit Bureaus. 

In My Last complaint to XXXX, they responded that they own the account, they provided no proof, they didn't say who they purchased it from, simply a take my word for it type of response, they didn't even address, the possibility that there was a possible error between the two affiliates. and to my disbelief, the CFPB closed the case. 

So that I don't leave room for misinterpretation, I'm going to be Blunt. I believe that the two affiliates who have a Sudden case of amnesia concerning their partnership as well as XXXX XXXX XXXX affiliation, XXXX is the company that responded to the XXXX complaint who is also affiliated, but they are conspiring to collect invalid debt by passing on debt that has been time bared and exceeded the 7 year look back period and when confronted they point a finger at each other in an effort to stall and eventually discourage consumers from challenging the debt further. 

This will probably be closed as well, after I receive the ( Oh, we own this debt, we are not going to prove to you, but you can trust us response ). and that's ok, I just need Midland to respond and when I receive XXXX XXXX XXXX response, I will take XXXX, XXXX and Midland to Court and let them try giving those weak explanations to a judge.