davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

My account with XXXXXXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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. 


XXXX 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 2023-12-09
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. (CA)

Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received n e tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX XXXX  because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.
Consumer complaint received 2024-06-07
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. (MD)

On XXXX XXXX i sent an certified letter to Transunion and XXXX stating that there are collection accounts that are reporting " OPEN '' which is against FCRA guidelines and theses collection accounts are being reported INCORRECTLY and should be removed. As of XXXX XXXX there has been no change regarding this Matter.
Consumer complaint received 2023-12-20
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. (CA)

My original student loans which started in the year XXXX, was with a servicer that went out of business. In the transfer to XXXX XXXX all my payment information, and loan documentation which was at that time paper, was lost. 
Under my second loan servicer I was eventually informed that instead of forbearances and deferments for a payment I repeatedly stated I couldn't afford, I could sign up for an income based repayment plan. After COVID, XXXX XXXX has since transferred all my loans ( which are direct loans ) to Nelnet. Under Nelnet, once again my account is blank. 
I can't see payment history, plans etc. the government page has limited information, but I can see some of my IDR application dates. The gov website also says to refer to your student loan devices for specific information about your account. 
On XX/XX/XXXX I contacted Nelnet to get my qualifying payment count. I was informed they could not give me this information. I asked when my one time adjustment would be applied ( because my first loans would be forgiven at that point. ) He said he couldn't tell me the date of that as well. He told me that it had been applied in the system, but there didn't seem to be any way to verify this. He told me when my forgiveness was up I would get notification, and don't worry, if I ended up overpaying I would get a refund. I asked how would they know if I was due for forgiveness if they didn't know my count and he said the system knew, which was updated from the government website so contact them. I told him the government website said to contact my servicer. He said he hears that a lot. Contact them anyway. I asked if there was something I could put in writing to request this information from Nelnet. He said yes I could write the gov student loan dept. After talking in circles it was clear I was never going to get the information even though I believe that if the adjustments have actually been made to my account, I should have already received notification from them that my loans are being forgiven instead of notices that I need to continue paying.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (IN)

I had a Federal Perkins Loan while attending XXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXX XXXX XXXX for they and University Accounting Services were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report. 

I have 5x120 day lates, multiple 30, 60, 90 day lates as well. 

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an XXXX which will at some point XXXX XXXX XXXX  suddenly. 

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Consumer complaint received 2024-06-07
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. (NV)

This is my third endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$630.00}
Consumer complaint received 2023-12-20
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. (PA)

As of XX/XX/2023, I have had several accounts compromised. Attempts to apply for loans or credit cards have been made without my consent. I have not done any such activity for a long time. I have also received several e-mails, starting on XX/XX/2023, stating I requested to reset my password or my password has been changed. I have been rigorously been changing passwords for all these sites. I have also had to shutdown the credit card I regularly use, three times this year, due to fraudulent charges. I suspect identity theft has taken place and I need corrective action taken immediately.
Consumer complaint received 2024-06-28
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. (PA)

as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. Experian : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX
Consumer complaint received 2024-06-15
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)

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 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 2024-06-06
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MD)

Optum Bank is refusing to pay a XXXX XXXX  Account ( HRA ) withdraw of {$170.00} based on their false premise that the charge is not eligible for reimbursement. These charges are for a legitimate medical services render by a licensed physician who charges a flat annual fee for most services. The doctor 's flat annual fee includes up to 12 office visits, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is all described on the invoice from the doctor that was submitted to Optum Bank, which includes the applicable XXXX  codes. To be clear -- this fee is NOT for " access to the doctor. '' This is NOT a concierge plan. It is a fee for a XXXX XXXX XXXX XXXX ( XXXX  ) covered under 26 U.S. Code 213 - XXXX XXXX, etc., expenses.
Consumer complaint received 2023-12-11
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
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 am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX, XXXX XXXX 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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (MA)

I was gifted a {$100.00} Vanilla Visa gift card by my former employer on my last day of work on XX/XX/2023. I have kept the gift card unused and unpackaged in a secure location in my house until today when I attempted to use it at food spot. The card was declining, so i decided to check to see if it needed to be activated and it turned out that a transaction was made on XX/XX/2023, at XXXX XXXX  at a XXXX for exactly {$100.00}. I have no idea how this transaction was made given that my card was still packaged up and was in a secure location in my house. I have tried to report the unauthorized transaction on Vanilla website, but it seems that the option to dispute online has to happen within 60 days. Vanilla Gift customer service number has no live help so I don't know how I can possibly reach out to this company.
Consumer complaint received 2023-11-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXXXXXX XXXX XXXX Balance Owed : {$12000.00}.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AZ)

I am writing to file a formal complaint against Upgrade , Inc. regarding unexplained fees and charges to my account, and the subsequent inadequate customer service when I tried to resolve this issue. I have previously submitted a complaint dated XX/XX/2022, case # XXXX, which was closed without a satisfactory resolution. 

Summary of the Issue : On XX/XX/2022, I made a payment of {$6700.00} against a balance of {$11000.00}. The expected remaining balance should have been {$4400.00}. However, my billing statement dated between XX/XX/2022, and XX/XX/2022, reflected a remaining balance of {$5800.00}. This shows a discrepancy of {$1400.00}. 

Previous Attempts to Resolve : I contacted Upgrade, Inc. customer service via telephone but was given no clear explanation. 
I filed a CFPB complaint on XX/XX/2022. The company responded with account balances but did not explain the discrepancy.
Consumer complaint received 2023-11-15
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. (FL)

Credit Reported Agency will not respond to letters disputing incorrect information under FCRA Sec 605, 609, 611, 623.

No response was received after 60+ days after the letter was sent.
Consumer complaint received 2024-06-07
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. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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: Chime Financial Inc (GA)

On XX/XX/XXXX my Chime Credit Builder card was stolen and the criminal proceeded to charge a total of {$2100.00}, depleting the deposit provided to Chime as security for this account. I wasn't aware that the card was missing until I recieved an email at XXXX on the XXXX that a charge was declined at XXXX in the amount of {$150.00}. After verifying that my account did have insufficient funds I immediately contacted Chime support via their messenger platform in the app. At that time the customer support representative canceled the XXXX XXXX  and issued a new one. This representative also assured me that my funds will be replaced within 5 to 7 business days. Three days later I contacted Chime via phone to confirm that they were putting my funds back in my account. It was at that time that I was informed I needed to file a dispute on the track. I was also informed that it could take up to 90 days for my dispute to be resolved. Less than 24 hours, my dispute was denied. In an attempt to file a rebuttal, I uploaded my police report in hopes that this would be sufficient to support my dispute and return the funds to my account. I was then denied a second time. Upon receiving this denial, I asked the email what documents or information would be needed from me. I have yet to get a response from Chime