davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : CFPB Complaint - Urgent Correction Required in TransUnion 's Reporting Dear CFPB, I am filing a complaint against TransUnion regarding a persistent and egregious issue related to their incomplete tradeline reporting. Despite my diligent efforts to resolve this matter, TransUnion continues to inaccurately portray my credit history. 

The problem is crystal clear : while XXXX correctly reports all my tradelines, TransUnion, inexcusably, only acknowledges two : the XXXX XXXX tradeline and a closed XXXX XXXX account. This is a gross misrepresentation of my credit history. 

I have taken the initiative to contact my creditors directly, who have unequivocally stated that they are accurately reporting my credit information to all major credit bureaus. It is evident that TransUnion is solely responsible for this reporting discrepancy. 

To clarify the gravity of this situation, I am attaching my previous XXXX credit report, which comprehensively lists all my tradelines. TransUnion 's glaring omission of these critical tradelines is undermining the accuracy of my credit profile, impacting my ability to access fair credit opportunities. 

I demand an immediate resolution to this issue : Correct the Reporting : TransUnion must promptly update my credit report to include all missing tradelines, consistent with my XXXX report. 

Compensate for Harm : The inaccuracies in TransUnion 's reporting have harmed my financial standing. I request that TransUnion take steps to compensate for any damage caused, including potential interest rate adjustments or financial remedies as deemed appropriate by CFPB. 

Prevent Recurrence : CFPB should ensure that TransUnion implements robust internal controls to prevent future inaccuracies in credit reporting. 

I urge CFPB to take swift and decisive action to address this matter. Accurate credit reporting is not a luxury but a fundamental right for consumers, and it is crucial to protect this right vigorously. I expect CFPB to work diligently in holding TransUnion accountable for its actions and securing a resolution that reflects the seriousness of this issue. 

Should CFPB require further information or documentation from my end, please do not hesitate to contact me at XXXX or XXXX. Time is of the essence in rectifying this situation, and I anticipate a prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 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 XXXXXX/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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

We have bought 2 cards which has CVV and expiry date and balance dollar values. I checked the amex link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. 

We have attempted to use this places where Amex cards are accepted and the transaction is getting declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year. This is supposed to be accepted anywhere which accepts American express cards without a problem since it has loaded actual cash value plus the fees. 

The merchant took XXXX cents from both the cards even though both the cards got declined and thats the only outcome. 

Pls see the screenshots.
Consumer complaint received 2024-05-31
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. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (MI)

My Prosper ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my Prosper card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my Prosper and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, XXXX reports Re Prosper card ( XXXX ) XXXX ( XXXX ) THANK YOU!!
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I recently had my student loan transferred to Nelnet in the wake of student loan payments resuming post-XXXX  and the discontinuation of Great Lakes servicing student loans. To be frank, Nelnet has acted with, in my opinion, gross incompetence, unprofessionalism, and malfeasance. 

About a month ago, in XXXX, my loan repayments were not scheduled to resume until XXXX, XXXX according to Nelnet. I am a graduate student whose loans should be in deferment. While the XXXX, XXXX date seemed arbitrary, as I am not likely to graduate until XXXX, it was far enough out that I resolved to take care of the problem during winter break, when I had more free time to deal with it. 

However, about XXXX weeks ago, at the start of XXXX, my loans suddenly resumed and interest began accruing. {$130.00}, to be exact. My deferment status had been submitted to Nelnet via XXXX XXXX XXXX through my institution, a fact Nelnet has dutifully ignored. Moreover, my previous loan servicer, Great Lakes, was aware of my deferment status, and for a time Nelnet must have been to, as the change in deferment occurred only two weeks ago, as previously mentioned. 

This initially did not seem like a big deal, as I assumed I could just file the deferment request directly to Nelnet and then contact customer service to remove the accrued interest. Logistical errors are inevitable, and so long as I can contact customer service to resolve the issue it is ultimately not that big of a deal. The issue is that Nelnet customer service is virtually impossible to contact, and has been for the past two weeks. I have had emails ignored, and phone hold times of upwards of four hours with no response. Furthermore, I can not even send my deferment request directly to Nelnet, as my University has a policy of verifying al enrollment exclusively through XXXX XXXX XXXX. 

I am a graduate student with very little time and money, and this situation has put me in duress with regards to both. I can not afford to lose days worth of work to deal with my loan providers incompetence. I understand that loan payments resuming has increased the volume of calls and emails Nelnet has received, but they have had months and months to prepare for this eventuality. They have failed to take the well-being of their clients into consideration ; knowingly causing them financial strain to which, as of writing, I have still found no remedy. It is clear that nelnet, despite being a multi-billion dollar company, has neglected to hire an adequate work force for an influx of customer support requests that they have been aware would come for months.
Consumer complaint received 2024-05-21
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. (FL)

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. 

The accounts below have violated my rights. 

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE : XXXX. 

HARD INQUIRY NOT AUTHORIZED BY XXXX - DATE XXXX
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NJ)

I am writing to report a concerning issue with my loan account with Mercedes Finance. Despite an agreed-upon interest rate of 5.99 %, Mercedes has been deducting 100 % interest from my monthly payments. I have made multiple attempts to contact them for clarification and resolution, but my inquiries have been consistently ignored. This situation is causing me significant distress and inconvenience. I kindly request your assistance in addressing this matter promptly.
Consumer complaint received 2024-06-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint against XXXX of XXXX XXXX XXXX XXXX purchase of a XXXX XXXX XXXX XXXX Below are the details : Purchase Details : Date of Purchase : XX/XX/XXXX Vehicle : XXXX XXXX XXXX Dealership : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ( out the door ) Final Price Charged : {$26000.00} ( Discrepancy : {$900.00} ) Financing : XXXXXXXX XXXX XXXX Issues Encountered : 1. Non-receipt of Title : Despite repeated requests, the dealership has failed to provide the title for the vehicle. It is illegal in New York State to sell a vehicle without transferring the title to the buyer. This has caused significant inconvenience and is a violation of New York State law. 
2. Price Discrepancy : The final price charged was higher than the agreed out the door price, resulting in a discrepancy of {$900.00}. Although I do not have the paper with the agreed-upon price of {$25000.00} ( as it was conveniently thrown out ), it is indirectly shown by my financial loan of {$24000.00} and my down payment of {$1800.00}, which together equal {$25000.00}. The used car sales manager and the salesperson I worked with were present and should be able to testify that the agreed amount was {$25000.00}. 

Attempts to Resolve : In-person Visit : I visited the dealership in person on Monday and addressed my issues calmly. As I was on the phone with the XXXX XXXX XXXX representative which they politely asked for the dealership to give them a call which the general manager XXXX XXXXXXXX refused. During this visit, I was overall brushed off by the general manager. 
Formal Email : After being brushed off in person, I sent a formal email on Tuesday. This prompted a phone call from the general manager XXXX, during which we were able to have a civil conversation. However, we still could not reach an agreement. 
XXXX XXXX XXXX : I have spoken with XXXXXXXX XXXX XXXX representatives who stated that it is feasible for the dealership to rescind or cancel the loan, but the dealership needs to cooperate to make this happen. In which they were very uncooperative. 

Requested Actions : 1. Cancel/Rescind the auto loan with XXXX and refund all payments made to date. 
2. Accept the return of the vehicle without any penalties.

3. Provide confirmation of these actions. 

I let the dealership if this issue could not be resolved, I will take further actions, including filing complaints. 

Contact Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Premier Auto Credit (AZ)

Ive tired reaching out through you all and through the credit department, nobody is helping me in this matter from someone constantly using my credit and keep giving me hard inquiries also premier auto credit keeps saying that this information is correct which its not. Im not giving up with the reporting false information on my credit for years ago when they know in fact that its inaccurate. I will hire a lawyer and sue them if I have to
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

There are 6 transactions on my account from cash app that are fraudulent.. I contacted Wells Fargo after trying to speak to cash app for days and getting nowhere.. Wells Fargo submitted and declined my claim and when I called to get help, they wouldnt listen and said they cant refill it and I am out of XXXX I am a student and I cant afford this fraudulent transactions to ruin my life. Please help
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I Recently Checked My Consumer Reports and Found Inaccurate Information About Me, That I Did Not Give Written Consent To Even Allow Such Information To Be On My Report. Under The FRCA My Information Can Not Be Given Out Without The Consumers ( Me ) Written Consent.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I am reaching out regarding my dispute over the charge of {$1700.00} for a hotel stay later in the year fraudulently billed to my Chase credit card on XXXX XXXX XXXX, from XXXX XXXX. After reporting this fraudulent transaction to Chase, this was mistakenly rebilled on XXXX XXXX XXXX. I called in and spoke with a Chase Recovery Representative and they explained that the merchant had verified my information on file which caused a rebill of the unrecognized fraudulent charge. I provided the following information to the Chase Fraud Recovery Representative to re-open the case : This merchant ( XXXX XXXX  ) has my saved contact/credit card information as I have previously made transactions with them. My contact information, addresses, email, phone number, and even credit card information were already saved in their systems. 
The charge that was disputed was an unrecognized charge that I did not make. When Chase reached out to the merchant, all my saved information was provided to verify the charge even though I did not make this transaction. 

Today, on XXXX XXXX XXXX, I called Chase and they again would not assist with this saying the fraud charge was verified. I then called XXXX XXXX directly to see if they would be able to assist, but they tried to coerce me into accepting that I made the charge to send a cancellation email for a final sale which would likely be rejected. I told them I would not accept cancellation because then it would place responsibility on me that I made the charge. 

This was either a case of identity theft or error on the side of XXXX XXXX charging my Chase credit card.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (IL)

I took an award flight with XXXX XXXX on XX/XX/XXXX, using miles with XXXX XXXX Credit card. Annually, I am entitle to XXXX, XXXX XXXX  miles credit after taking the award miles. I reached out to a customer supervisor on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to figure out why I have not received the point. Upon the supervisor investigating the issue, she informed me that there is a known issue when issuing the XXXX miles to my XXXX accounts. She informed me that she found a fix and would take 5 business days or so. Fast Forward, I did not get the promised point so I called again on XXXX XXXX XXXXXXXX XXXX to follow up on this matter for another XXXX minutes. She assured that she would reach out to the right department to get this resolved and again no points have been credited to my account. 

I also utilized Chase 's secure message function and they are claiming that they have posted the award on XX/XX/XXXX which is not true because it's not posted. I am assuming they may have posted but may be experiencing the technical issue that the supervisor was describing above. 

At the end of the day, they know they have not posted the awards to my account and they can't seem to figure this out or not willing to fix it.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

XX/XX/year> and the amount {$450.00} XXXX they said someone remove money from my account and its was fraud and try to dispute the transaction and they froze and close my account without even letting me know why.
Consumer complaint received 2023-06-15
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.