davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

XX/XX/year> - Submitted a complaint to CFPB about XXXX  and I requested the School Misconduct Application that I read about in an article as the university I attended committed misconduct. 

XX/XX/year> - School Misconduct Application received through XXXX  XXXX XX/XX/year> - XXXX XXXX reply : " Additionally, we understand that you are requesting information our recently implemented School Misconduct discharge program. Since XXXX was a for-profit school at the time of origination, weve determined that your XXXX loans disbursed to XXXX meet the applicable criteria to apply for discharge. Therefore, we are sending you a School Misconduct application under separate cover. It will be very important for you to review the application thoroughly and complete all the questions. '' XX/XX/year> - Submitted application to XXXX  XX/XX/year>- Was notified that my application was received XX/XX/year>- Was notified that my application bas been denied with a vague comment in denial letter : " XXXX  carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I was told that the loans meet the criteria for me to apply for discharge. Now with the latest response from XXXX during their transition into Mohela, it seems vague and perhaps rushed since XXXX  had been banned to provide service in the student lending industry due to predatory lending. I would like a specific breakdown/understanding how they came to the conclusion that I do not meet the requirements as I disagree and submitted proof/documentation. What are those specific factors?
Consumer complaint received 2024-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (IL)

XXXX. On XX/XX/year>, I made a purchase using Afterpay at the XXXX XXXX for an amount of {$260.00}. 
XXXX. Due to insufficient funds on my card, XXXX requested an additional {$3.00} to complete the transaction. However, instead of charging only the difference, I was charged the full amount a second time. 
XXXX. XXXX has since refunded the full amount of the purchase, and I have confirmation of this refund. 
XXXX. Despite the refund, Afterpay continues to charge me the scheduled installments as if the purchase had been successful. 
XXXX. I have contacted Afterpays customer service multiple times, provided all necessary documentation, but the issue remains unresolved.
Consumer complaint received 2024-08-22
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. (NC)

Subject : Request for Immediate Removal of Inaccurate Student Loan Late Payment Reporting Account XXXX To Whom It May Concern, I am filing this complaint against the credit reporting of Account XXXX, which is inaccurately reporting late payments on my credit report. This is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these inaccuracies from my credit report. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section affirms my right to privacy. The reporting of late payments on the aforementioned account without my explicit consent is a clear violation of my right to privacy as guaranteed under this law.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This provision states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not provided any such instructions to report late payments on Account XXXX, making the reporting unauthorized and illegal. 
3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section specifies that no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, which predates the report by more than seven years. The reporting of these late payments is outdated and should be removed immediately.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section prohibits the furnishing of any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The continued reporting of these late payments, despite the inaccuracies, violates this statute. 

Given the above violations of the FCRA, I demand the immediate removal of the late payment information associated with Account XXXX from my credit report. 

I request that this issue be addressed promptly to prevent further damage to my creditworthiness and financial well-being. I trust that the CFPB will take appropriate action to ensure that my rights are upheld under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/XXXX, I placed a call to Wells Fargo about my account being locked and my card not working. They detected fraudulent transactions and were going to start the investigation. I was given 2 claim numbers for the unauthorized XXXX transactions and was told they would be in touch with me. I had to stay on top of Wells Fargo about this because no one was giving me answers so I ended up trying to call them 2-4 times a week to see what was going on. They all kept bouncing me from department to department each time I would call. XXXX with Wells Fargo claims specialist center left a voicemail asking me to call them back on regards to one of my claim numbers. I had called and was on the phone with several different people over a course of 28 minutes for them to tell me the claims department I was needing is closed but the call refers to them wanting to do " something '' with my account. The lady named XXXX told me to check my online banking app to see a message they sent me. I checked it and it said they were closing my account on XX/XX/XXXX with no explanation. I called back the very next day and was bounced around like a hot potato until I got ahold of a gentleman. He then told me Wells Fargo did not want a relationship with me but when I asked why he would not give me an answer. He then said they had to terminate my access to my online banking and would not give a reason for that either. I went down to the Wells Fargo in XXXX, NM on XXXX XXXX XXXX to pull my money out of my account before anything else happened to it or before the bank could come up with some reason I couldn't withdraw MY money and closed the account myself. I called the LP ( loss prevention ) department on XX/XX/XXXX and asked them why and the answer I was given was it was a " business matter '' and she couldn't give me anymore information.
Consumer complaint received 2024-10-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights Account # 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 an account without my written instructions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX Block Request To Whom It May Concern, I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVEany 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. 
XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-08
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. (TX)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following item are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX and XXXX report but Transunion failed to perform an investigation and delete the disputed information. 

This items is either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have identified inaccurate information on my credit report, which is covered by 15 USC 16c-2. I believe this information is incorrect and negatively affecting my creditworthiness.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The following inquires i never authorized and are on my credit report, they are unauthorized and i would like them removed 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  None of these companies had permissible purpose to view my credit report and according to Section 604 15 U.S.C 1681 B Are unauthorized and i would like them removed.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. '' My account with this XXXX XXXX XXXXis being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-07
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)

I am filing a formal dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account : XXXX Date opened : XX/XX/year> Despite my timely payments, XXXX has continued to report late payments inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

I have reviewed my account history thoroughly, and all payments were made in accordance with the terms of my agreement. The continued misreporting of this information has significantly damaged my credit score and overall financial standing. This is not only unjust but a violation of my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that all information on credit reports must be accurate and fair. 

I am requesting the CFPB to investigate this matter urgently and hold XXXX accountable for their non-compliance. I demand the immediate removal of all inaccurately reported late payments on my XXXX account to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter and expect a confirmation that an investigation has been initiated within 15 days. 

Thank you for your assistance.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

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.