davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-10-12
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated and corrected : 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 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hired XXXX XXXX XXXX in XXXX XXXX to assist me with removing items from my credit report due to age or incorrect information. This account was removed in XXXX XXXX and has now re-appeared on my credit report as an open account and showing the account was opened on XXXX/XXXX/XXXX which is incorrect and reported XXXX XXXX XXXX. I 've disputed this item several times. I believe they are trying to re-start the debt.
Consumer complaint received 2023-10-12
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. (TN)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-12
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. (IL)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$300.00} ; XXXX ( Original Creditor : XXXX ) XXXX BalanceOwed XXXX {$410.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center (MT)

On XX/XX/23 I was contacted at XXXX XXXX about an account listed with AR Strat at a dollar value of about {$420.00} for services from XXXX I had previously received a call from them on XX/XX/ at approximately XXXXXXXX XXXX, which I ignored, as I did not recognize the number. I XXXX searched the number and it was from AR Strat, a debt collection agency. I then reached out to XXXX XXXX to confirm that my account was active with them and in good standing. They confirmed that it was and said they would reach out to AR Strat to make sure that my account was canceled back to XXXX XXXX. I asked for mailed evidence that the error had been corrected, which I never received. However, I have received a paper statement from XXXX XXXX confirming that my account is active with them and the amount of {$50.00} per month was being paid. I have received no mail from AR Strat and have disputed the charge and requested evidence of their error and proof it has been corrected. I called AR Strat back at around XXXX on XX/XX/ to confirm that they had sent the account back to XXXX XXXX. They had no notes showing any contact with their client, XXXX XXXX. I reached out to XXXX XXXX, and they confirmed again that my account was with them and in good standing. I am currently waiting for a call from their XXXX XXXX employee as well as their CFO. In the meantime, I reached back out to AR Strat to gather more information and speak with their Compliance Officer about the error. They told me they do not have a Compliance Officer on staff, at which point I informed them I would be making a complaint to the CFPB as they have no employee tasked with compliance oversight currently. They said that they had duplicated my account during a system update and had two identical accounts in their system with my information attached. One that had been canceled back and one that was active in their system. This is completely unacceptable ; I am not able to afford to pay double on any bill and would not pay twice even if I could afford it. I would have been financially injured had I not known the debt was in error and charged it to a credit card or found a way to pay it using loans or by selling personal items. As it stands, I have still had to devote several hours of working time to trying to sort out a mess I have not caused. Were this to credit report I may find myself financially crippled for years to come. 
I have been told that their operations manager was unavailable but was given the name XXXX XXXX at XXXX to leave a message for as well. I left a message for her at approximately XXXXXXXX XXXX on XX/XX/ informing her of the issues and my reaching out with a complaint to the CFPB. 
Attached to this complaint please find photos of my most recent statement from XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (ID)

My student loan provider recently changed to Nelnet. I created an account months ago when it first changed, and now I do not have access to my account and the password reset does not work. 
I have repeatedly contact Nelnet over the phone and via email for the last two weeks in an attempt to gain access to my account. The call wait time is always over 80 mins or more. Even after waiting for that long no one picks up. 
I have sent them screenshots and a description of the issue. I have not received any response. 
My payment will be late soon and it will negatively affect my credit. 
This is not fair to me. I never miss a payment and never had a problem with my previous provider.
Consumer complaint received 2020-06-11
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. (MO)

XXXX allowed an installment loan to be opened in my name, and they REFUSE to stop reporting it, even after law enforcement and the FTC have helped me file identity theft reports, and send cease and desist letters. They are illegally trying to collect on a fraudulent account, opened by someone who stole my identity. XXXX XXXX XXXX allowed someone to obtain an auto loan in my name, and refuse to stop reporting it, after cease and desist, law enforcement instruction, FTC instruction, and proof that the loan was fraudulently opened. XXXX  and Experian also refuse to remove these accounts from my credit reports, even though I have followed all instructions to prove that they were fraudulent and a result of identity theft. All companies on this report are breaking consumer credit laws in regards to reporting fraudulent accounts on my credit files.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AZ)

I am writing to raise a formal complaint against Chase bank for failing to deliver on a credit card promotional sign up bonus. I have attempted to contact Chase on multiple occasions and raised tickets with them ( XXXX and XXXX ) but was denied in both cases. I am requesting assistance with receiving the XXXX points that Chase owes me for their Southwest Rapid Rewards Plus Credit Card promotional offer of XXXX points. My account was opened on XX/XX/XXXX and I first attempted to reach out to Chase on XX/XX/XXXX to check on my progress towards the spending goal as I had not received the XXXX points by then. 

When I signed up for my Southwest Airlines Chase VisXXXX Credit card I did so with the idea I would be receiving XXXX points after exceeding a spending threshold shortly after opening the account. The promotional offer can still be viewed on the Chase website at multiple locations such as https :XX/XX/XXXX and https : XXXX? XXXX. Both locations indicate a sign up bonus of XXXX points after spending XXXX on purchases in the first 3 months of opening the account. After reaching the spending limit I only received XXXX points. Noting this as an issue I contacted Chase cardholder services and requested the remaining XXXX points I signed up for. Each rep that I spoke to said that they did not see the promotion in their system and would have to escalate my request to the marketing team. After waiting for several weeks, I received letters from the marketing team at Chase stating the promotion I am referring to isnt valid and that I would not be receiving the points I earned by signing up and reaching the spending threshold. 

I have wasted multiple hours on the phone with support attempting to resolve this issue as well as drafting letters to the Chase executive office for further review. I am at a loss and unsure what to do at this point. Is there anything you can do to assist?
Consumer complaint received 2023-09-19
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. (NC)

In XX/XX/XXXX  I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to XXXX XXXX XXXX. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In the week of XXXX XX/XX/year> I attempted to log into my account at my.equifax.com to manage my report freeze. I could not log in, but supposedly the problem was temporary. I tried again on XXXX XX/XX/year>, and could neither log in, nor reset my password. I called Equifax, and their advice yielded the same failures. Equifax opened a ticket for this problem and said they would respond by email or telephone the next business day. By a week later, they had not. They also could not look up the ticket by number without identifying me, by more rigorous methods than earlier. 

Equifax leaked enough information to make it advisable to freeze credit reports, but now deny me the possibility of temporarily thawing my report. I keep good track of my passwords; perhaps Equifax leaked my password, then changed it for my own protection.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I consolidated my student loans and applied to SAVE. I was told by MOHELA I was successfully enrolled in SAVE on a phone call after I received an initial bill after consolidation. The injunction happened, and I received a bill from MOHELA stating I was in standard repayment. I was accruing interest which shouldnt have been happening, then I was told to apply on paper for idr which I did, and a month later Im still on the standard plan and theyre trying to bill me. Ive accrued over {$7000.00} in interest that should have happened at this time due to the interest freeze that was supposed to happen if I was enrolled in SAVE.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi, there are a lot of errors being reported on my credit report which has been really frustrating. You keep on ignoring and disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer. This is causing a lot of problems in all aspects of my life, it's taking a toll on my mental health as my new credit applications gets denied due to your negligence.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (OH)

This week, I tried to access funds in my account as a result of stock sales. The app advised that I needed to refer to my physical debit card and that the action had been blocked. I never received a physical debit card. Since I couldn't access the account, I tried to add the account information to a digital wallet, but the app blocked that action, too. I've just finished chatting with someone from Robinhood 's customer service and was advised that account actions have been shut down. According to the chat, the " system detected a newly logged-in device in your account, which triggered a proactive risk check that temporarily blocks access to some of the Spending account features, including the virtual card information. '' Furthermore, " these features are not immediately available to you, as we take your account security very seriously. They will become available to you after your account security features recognize this new device and integrate it for permissible use. '' Let me give a disclaimer here and say that I appreciate Robinhood having " the security of my account '' in the forefront of their technological advancements. What I don't appreciate is having to jump through security hoops to log into my new device in the first place only to be told that the system still locked down my account. According to the specialist, there is no way to bypass this block and she has no timeframe on when the app will recognize the new device. I also want to point out that I've had the phone for about a week now, and the Robinhood app has been telling me " Try Again Tomorrow '' for certain actions since Monday. I can't use my debit card because I can't access the information. I can't transfer the money out because it tells me to Try Again Tomorrow. I can't update external account information because of the same error. I'm essentially blocked from using my account, and all Robinhood had to offer was an " I'm sorry, I know this is frustrating, but we value your security. '' There's a strong difference between security and just plain locking the account down from any and everyone, owner included. I've completed verification to prove it's me logging in. The app even let me sell stock! But now that I NEED to access the funds, it won't let me. 
Please help me get the funds out of Robinhood and into my external account. I'd also like to close my account as a result of this ordeal.
Consumer complaint received 2024-09-18
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. (SC)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 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 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

My phone was stolen and hacked into using my on the XX/XX/2023 and on XX/XX/2023 a XXXX transaction was made for {$470.00} i was not in possession of my phone at all because it had been stolen and i provided paper documents that report that i was not in possession of my phone when those transactions were made. Chase bank refuses to give me a refund even though i provided them with proof that my phone was not in my possession when those transactions were made.
Consumer complaint received 2023-10-12
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. (FL)

This is the several times I've complained about some erroneous accounts in my report. You must correct and update these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be corrected. 

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