davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, " ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, " Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area. 



Shipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (GA)

In accordance with The Fair credit reporting act the list below have violated federally protected consumer rights and confidentiality under 15 USC 1681 XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that credit exercise their grave responsibilities with fairness and and respect for the consumers right to 15 USC 1681 section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the circumstances and no other in accordance with the written instruction from the consumer to whom it relates also 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable doubt to believe that the information is inaccurate
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-06
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. (PA)

I reached out to Transunion in regards to these inquiries that are fraudulently reporting on my credit report. These are attached to no account of mine and they are fraud. there is no way they should still report inaccurately on my credit. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CreditNinja Lending, LLC (IN)

On XX/XX/XXXX I applied for a loan with credit Ninja the money was sent to my old bank account not my new one and it was rejected by my bank XXXXXXXX XXXX I called credit ninja the next Monday and was told it would take 3 to 5 days. It is now XX/XX/XXXX and it's been 11 days they have no idea where it is I gave them the trace number from XXXX XXXX  and they told me I had to send them a copy of my bank statement showing I didn't receive it they keep telling me they'll call me back they never do I've called him every day since XX/XX/XXXX and no one ever calls me back they keep telling me oh it's going to be a few more days but they never help. The loan acct number is XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage adjusted our mortgage payment without providing the disclosures required by 12 USC 1026.20 ( d ). We received no notice XXXX days prior to the adjustment date, and therefore did not receive the disclosures and information that would have led to reduced mortgage payments through refinance or other methods. I have asked them about this and they refuse to acknowledge their responsibility to provide this mandated disclosure. Additionally, Nationstar, even after multiple requests, refuses, or is unable, to provide a copy of the Note with all modifications thereto as required by California Civil Code section 2943 ( b ). Nationstar claims XXXX XXXX as Trustee is the owner of the Note, but all they have provided is a copy as it was on the day it was signed, showing XXXX XXXX as the lender.
Consumer complaint received 2024-07-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am frustrated because I am being taken advantage of by this credit bureau. I have filed a dispute of inaccurate information that is reporting. I am being disregarded and the inaccurate information is resulting in new credit denials.
Consumer complaint received 2023-08-29
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : 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 XXXXXX/XX/2021
Consumer complaint received 2024-07-13
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)

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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/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 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 2023-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

A few years ago someone used my Paypal account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my Paypal account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a Paypal debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by Paypal about a debt owed. I have since reopened that Paypal account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was working all day Saturday XXXX XXXX. I get home and realize that my card was lost and all my account was cleared out. There was 3 {$200.00} XXXX XXXX transactions and 1 {$130.00} XXXX transaction. There was 1 {$2000.00} XXXX transfer as well. Never once did I receive an email or text if it was me, either from my bank or from XXXX These transactions were made to people whom I do not know. I was working all day and did leave my phone unattended a couple of times but I dont think anyone would enter my phone, I do have my passwords saved on here but dont think someone would do that. Chase bank states I might have lost that money and I feel horrible as I did not make these transactions. Chase needs to do something and be better at protecting their customers. Now I have no idea if my info is known by someone else.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (WA)

In XXXX of this year, my husband and I signed up to get solar panels for our home in XXXX, WA through a company called XXXX XXXX. Since we financed the amount of the solar panels ( approximately {$25000.00} ), XXXX XXXX recommended that we go through a company called GoodLeap, which I believe is a XXXX. Every month, we make an automatic payment of {$78.00} toward the loan. Every month we also have been making payments of {$1000.00} to go toward the principal of the loan. First payment was XX/XX/2023. I recently found out that GoodLeap is charging us interest on a daily basis ( approximately 3.4 % ) even though we have been making additional payments every month for {$1000.00}. 
When I called to find out why, the customer service rep told me that since our additional monthly payments ( around first of the month ) of {$1000.00} are not coincided with the due date of the loan ( XXXX of each month ), they are charging us interest. Therefore, we accrued interest in the amount of {$360.00}. I asked to have that refunded and she said no. When I asked why this wasn't disclosed on the website, she told me it was in the contract. I asked her to send the contract and have not received it to date. She said it was disclosed in some obscure place in the contract about how interest is accrued daily. I told her I wanted to pay off the approximately {$20000.00} loan balance today ( XX/XX/XXXX ) since I didn't want to be surprised by anymore hidden fees and that I don't want to deal with them anymore. So I paid off the balance. But I want to be refunded the {$360.00} in interest since I wasn't aware of their practices in charging the interest in the first place since I was making additional payments in the amount of {$1000.00} per month.
Consumer complaint received 2024-06-06
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. (TX)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (SC)

Title : Debt Validation Letter Date : XXXX  Your full name : XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. On XX/XX/2023 XXXX XXXX. ( Nelnet servicer ) responded back with no evidence of the alleged debt showing 10 accounts on my credit report. Also letting me know that it did not come from the Department of Education but it come from the Department of Education, that does not make no sense at all. I have never received letters of any kind of the alleged debt. I respectfully request your offices provide me with proof of the alleged debt, all originals not copies. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on any of my credit reports by company or the company that you represent, I will not hesitate in bringing legal action against you and your following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. I request that you provide original evidence of the alleged debt as I have already stated on the previous report filed. During which time all collection activity must cease and desist of reporting on my report, Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all referenced to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-07-13
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)

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 Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-06-06
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. (TX)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (TX)

on XX/XX/year> I attempted to pay on my students loans. The funds were taken from my checking account, but then Aidvantage reversed the payment. This servicer even emailed me " payment posted '', confirming they received the funds. However, this was to be reversed by them for some reason. 

I am now behind on the loan, gaining interest and risking my credit. 

Please investigate. This is egregious.