davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (TX)

On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.
Consumer complaint received 2024-05-14
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALTERNATIVE DISPUTE RESOLUTIONS (AZ)

I spoke with representative and told them that they were mistaken. I have paid all my student loans off in full. I keep getting phone calls from Alternative XXXX programs offering me funds to pay off my student loans which I do not have. Latest date was XX/XX/2021 @ XXXX from phone number XXXX XXXX XXXX XXXX requesting me to call XXXX XXXX XXXX XXXX XXXX for more information or to talk to a representative.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I wanted to follow up regarding my recent update, as I've noticed that there hasn't been any deletion of items in response to my previous queries. I have sent multiple letters to the Credit Bureaus requesting removal, but unfortunately, they only removed items once, and I didn't see any significant improvements afterward. This has left me feeling a bit disheartened. I understand the importance of maintaining an accurate credit report, and I believe that the removal of these items is crucial for my financial well-being. I kindly request the removal of the following items from my credit reports : 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 EQUIFAX 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
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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. (NY)

I was extremely disappointed this morning when I checked my credit report and I saw that I have a XXXX  showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. I need these accounts removed
Consumer complaint received 2024-05-13
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 writing once again to express my I have recently acquired a copy of my consumer credit report from your bureau and wish to dispute the accuracy and completeness of certain information therein. This information is negatively impacting my consumer report, and I urgently request that you rectify it without delay. 
I trust that a period of 30 days is adequate for your investigation into this matter. Following your investigation, I request an updated credit report, along with the contact details of the individuals who were involved in the investigation. 

I demand that you immediately cease reporting this account as late on my credit report. Failure to comply with this request may compel me to pursue legal action against your agency. 


The disputed information is as follows : XXXX XXXX XXXX.
Consumer complaint received 2024-05-13
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. (FL)

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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I looked at my report on XX/XX/year>. I noticed some things are still incomplete and not accurate. 
Date of Last Activity Date Open Account Status Original Creditor XXXX XXXX XXXX XXXXXXXX is not on my credit report This account was sold without my knowledge I am not liable for this debt with XXXX XXXX XXXX, XXXX. I do not have any contract with XXXX XXXX XXXX. 
XXXX are not reporting this According to the Fair Credit Reporting Act. 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-05-06
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: Nelnet, Inc. (NC)

This creditor DEPT OF EDUCATIONXXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

My XXXX XXXX loan servicer is EdFinancial. The company 's online system will not allow me to make payments on specific loans. The system supposedly has the ability for me to make online payments toward specific loans, but an error in their software prevents payments from being processed. I have written XXXX email complaints to the company and XXXX to the Department of Education seeking resolution to the issue through both entity 's designated contact/complaint processes. All of my emails have been completely ignored by both EdFinancial and the Department of Education. Meanwhile, interest on my loans accrues daily. I would like to make a payment. My loan " servicer '' is making that impossible.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have already challenged this " alleged debt, '' and I've written to Equifax and the company itself, but no one has responded. On XX/XX/2021, the account was last updated in the amount of {$380.00}, and I'm not sure where this money came from.
Consumer complaint received 2023-08-16
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

In Mohela 's old system I was being charged {$220.00} a month for my payment. Since the change to the new system in XXXX I am still getting charged the {$220.00} in addition to the updated total of {$220.00}. I called on XX/XX/year> to get the double charge addressed, attempt to get a refund for the double charges, and view my charges. I was advised to cancel autopay, but they didn't see any evidence of any double charges and would send me proof of this in the mail. I cancelled autopay, and was placed in forbearance, and I was still charged on XX/XX/year> the amount of {$220.00}. I have also not received any of the information that was promised to me during my call on XX/XX/year>.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/2023 I made a mobile check deposit to my HSBC checking account. The check deposited was for about {$600.00} and it was a company check issued by XXXX bank. That same evening, I tried to sign into my HSBC mobile app and was unsuccessful due to my account being suspended. After several unsuccessful hours of attempting to reach XXXX, I was finally able to reach someone and was told that my account was blocked due to my mobile check deposit and that Id have to call back the the next day. 

On XX/XX/2023 I called the security department at HSBC as I had been advised. It took me five attempts of calling and being transferred to various departments before I finally reached a bank representative. The representative was less than helpful and told me that I would regain access to my account after they finished their investigation and verified my deposited check which could take 5 business days. 

I then contacted XXXX XXXX, XXXX XXXX Relationship XXXX as well as XXXX XXXX, VP via email and copied XXXX XXXX, XXXX. Hours later, I received the following response from XXXX : Thank you for your email and I understand your frustrations. Unfortunately, I cant remove a block placed by our Security Team and the Security Team will need to complete their investigation. I have logged a complaint on your behalf, XXXX and the XXXX XXXX can be reached at XXXX, Monday to Friday from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX XXXX 

I replied to XXXX and left a third voicemail, asking her to call me. I explained that I certainly can understand HSBC holding the deposited check funds until they successfully verify that it is a good check. However, what is not acceptable is that HSBC has blocked me access to all of my funds including my payroll direct deposit that will be deposited this week. 

Due to the suspension of my account, my family has no access to any of our funds. Im unable to pay my mortgage on time or even buy groceries for my children. I have been a good customer of HSBC and have direct deposits every month that range from $ XXXX $ XXXX. It is appalling that HSBC would block me from accessing any of my money while they investigate a valid XXXX bank check. It is also appalling that HSBCs security team that placed the hold is impossible to reach directly and that Im advised to wait the length of the investigation. This is unethical and not acceptable.
Consumer complaint received 2023-08-07
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. (TX)

You are in violation of reporting incorrect information on my consumer report. The company responded to CFPB and stated that the account would be removed from my report, yet it is still reporting. Please see the attached dispute letter sent to the company, which is dated, and time stamped as well as the cfpb complaint stating that the account would be removed XX/XX/2023. I am demanding that the account XXXX XXXX XXXX ( XXXX XXXX ) be removed from my credit report immediately.
Consumer complaint received 2024-05-13
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. (CA)

I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding this fraudulent account, and subsequent to this submission, XXXX and XXXX have removed this account from their records. 
Additionally, I have directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I find it perplexing that this account still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate this account from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action.This account of concern : XXXX XXXX XXXX.
Consumer complaint received 2024-09-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ny, XXXX [ Date ] TransUnion XXXX XXXX XXXX [ PA XXXX Re : Inaccurate Hard Inquiry on My Credit Report Dear [ Credit Bureau ], I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from TransUnion dated [ XX/XX/XXXX ]. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.Please provide me with written confirmation that this inquiry has been removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
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. (MI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NM)

On Sunday, XXXX XXXX, XXXX, I made an electronic transfer from my XXXX XXXX XXXX XXXX checking account, ( Do you have to have the account number? ) in the amount of {$310.00} to my checking account at Chase Bank. 
XXXX received the electronic transfer on Monday, XX/XX/XXXX, but failed to post the transfer until Thursday, XX/XX/XXXX. Chase was holding my electronic transfer for longer than was necessary, and for longer than their own policy says. I spoke with XXXX different Chase employees about releasing the hold on Wednesday, but the Chase employees all refused to help me. Each of them told me that some different department handles that. It's not my problem, and to " Live with it. '' I am closing all of my Chase accounts because of this. It's probably illegal to hold electronic transfers for more than XXXX business days.
Consumer complaint received 2024-05-13
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.

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 XXXX 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of XX/XX/XXXX XXXX Credit Bureau has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and Transunion, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of XXXX ( 15 USC chapter 41, subchapter. I 1601 et seq ). 
The following are said accounts:1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, 3YRS 4MOS Age of Account ; 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, 2YRS 5MOS Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, 1YRS 9MOS Age of Account. I have also disputed with XXXX and Transunion the inaccuracy of my personal identification information being reported, after requesting for these to be removed.