davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 2024-04-30
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 disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Acct # XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-22
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. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Reporting 30 day late for month of XX/XX/2023. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

I have called Ed financial 6 times to try and payoff my student loans. Each time I call its a 500 minute wait. I have called and left a callback number however no one reaches back out. They moved the first payment day up to XX/XX/28 without notifying me from XX/XX/28. 
I ended up paying the entirety of my loan following their instructions on their website however they changed the owed amount after payment. The funds have also been taken from my bank account.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have 2 fraudulent/unauthorized inquiries on XXXX I checked the XXXX and noticed XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX On my Equifax report I noticed XXXX fraudulent/unauthorized inquiries from XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX On my XXXX credit report I noticed XXXX fraudulent/unauthorized inquiries from Ally XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXXXXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (AZ)

On XXXX XXXX, I made a dispute complaint with chime because my purse with my cards and phone were stolen. I went through the correct protocol; reporting my cards lost or stolen, made a police report and disputed all charges. 
Chime notified me ton XXXX XXXX that a decision was made and I would be refunded my money no than the XXXX XXXX. Approiamately two days later I logged into my chime app and it stated a split decision was made and I was credited for an XXXX charge. I then notified them asking to speak with their supervisor. I did not understand how one of the charges were found fraudulent, yet the others were not. All of them were made at the same time frame when my purse was stolen. Also a lot of the charges were ( upon my own investigation ) were charges made to subscription I had canceled, and made to XXXX and or XXXX XXXX XXXX. If you can help me Id appreciate it. Chime is supposed to insure you against any fraudulent transactions made and I provided them with the police and all and still they have refused to refund my account.Also in the user agreement it states that a provisional credit would be available to the consumer 14 days after the dispute was filed until they completed their investigation which it was not provided. It was over a thousand dollars in fraudulent charges made and now I can not pay my bills. Thank you again for your time and help
Consumer complaint received 2023-11-26
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. (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. 

Account name : XXXX XXXX  # XXXX, Account name : 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 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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am submitting another CFPB Complaint to express my disagreement with the Credit Bureaus findings and to request complete accuracy. I feel that not enough effort was made to contact the creditors/agencies responsible for reporting the information in question on my report. Therefore, I am requesting more information about these specific items, particularly the Negative Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$100.00}. In accordance with the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I kindly request that you reinvestigate and either update or remove these disputed items. Please provide me with the names and addresses of the individuals who were contacted during the investigation. You have a period of 15 days from the receipt of this letter to complete these actions, unless you inform me otherwise. Please note that failure to verify the items within this time frame constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of XXXX  XXXX  of Debt bondage and would like all listed accounts to be blocked and deleted, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX, TransUnion LLC ( XXXX ) XXXX XXXX XXXX ( XX/XX/year> )
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

I have made two purchases on my MasterCard issued by Goldman Sachs Bank and had returned the products to the respective merchants. I was within their return policy guidelines Merchant number one XXXX XXXX XXXX XXXX did not refund my credit card for {$150.00} in which I disputed and the second Merchant XXXX did not refund my card yet provided a store credit in which is useless. I returned to the merchandise and I specifically stated to refund the original form of payment. I have disputed both of these charges in which Goldman Sachs did not even read the purpose of the dispute from my behalf and just immediately cited with the merchant regardless that I don't have the merchandise and that I returned it in accordance to their guidelines. I still have the charges appearing on my card and Goldman Sachs refuses to redispute these items
Consumer complaint received 2024-07-22
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: CITIBANK, N.A. (MD)

Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. I then submitted a dispute to EXPERIAN to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX XXXX Fine of {$1000.00}. *Defamation, financial injury- US Court of Appeals , Ninth Circuit , No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, XX/XX/XXXX Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 
This is done in good faith and without recourse.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (GA)

On XX/XX/XXXX XXXX it was a late payment that took place with a a credit card company called self lender. The company issued a late payment. Late Payments CFPB 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. They are in violation of my privacy rights per the Privacy Act of 1974. It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.
Consumer complaint received 2023-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have requested in writing via certified letter the following : XXXX CERTIFIED MAIL WITH RETUR RECEIPT To whom it might concern, Commonwealth Financial Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Alleged account / balance : {$1200.00} Alleged original creditor : XXXX XXXX XXXX XXXX XXXX Alleged Account # XXXX Dear collection agent, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from {$1200.00}, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I'm allowed under the Health Insurance Probability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX, for them to release my medical information to a third-party I am aware that HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization XXXX Please provide breakdown of fees including any collection cost in medical charges. Please provide a copy of my signature with the provider of service to release my medical information to you.. I am also requesting that you cease and desist all collection activities including reporting to all consumer reporting agencies/ credit bureaus. I also promptly request deletion of any and all prior reporting that was made to all consumer reporting agencies/ credit bureaus. If you comply with my deletion request within 14 days, verification is excused. I Also promptly send me a verification letter confirming the request to all consumer reporting agencies / credit bureaus deletion of your reporting of this alleged debt. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA-compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with the alleged debt. 
Please be aware, if you choose NOT to comply with my demand letter, I XXXX turn this over to my local States Attorney General XXXX and a local attorney. I have also Directly Faxed this letter to the XXXX XXXX XXXX XXXX @ XXXX. 




I received a letter with the allegedly {$1200.00} but not the breakdown of the allegedly amount. I also asked for the deletion of this debt from all the reporting agencies and until today it still appears in my credit report.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NV)

XX/XX/23 I reached out to XXXX customer support via sms at XXXX and exchanged messages with a rep named XXXX. I advised XXXX that I needed to move my payment due date to XXXX of the month starting XX/XX/XXXX. XXXX advised it was an " application process '' to do so but ensured me it was submitted and I heard nothing. Portal online still shows XX/XX/XXXX for a due date and the payment will not be made until the XXXX. 

I've never asked to move it prior nor have I missed any payments. Poor customer service on their end.
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Navient said that my loan does not apply and refuses to send me my XXXX XXXX XXXX XXXX. I was a XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX and have Navient private student loans. I have been paying on this loan for for 16 years, it never goes down and interest just keeps adding and they will not allow forbearance or any type of break or help. This is unfair and while at the XXXX XXXX, I was externally mislead on promise of a job afterwards, which never happened. I obtain a job on my own after struggling to live due to high payments. I still continue to struggle, as my loan payment is close to {$850.00} a month and which is double my housing payment. They also refused the XXXX XXXX XXXX XXXX, which my loan types does in fact fall into this category. Any help that you can lend would be greatly appricated. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

I do not know who XXXX XXXX XXXX XXXXXXXX is. I did not give them information to report nor I have I done business with this company. It is showing up on my profile and causing me to get denied for housing. I did not give them my information.