davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
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. (PA)

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


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 2024-06-14
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: EQUIFAX, INC. (FL)

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-16
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. (GA)

I am writing this complaint due to an account that is on my credit report with XXXX. This account has been deemed as fraudulent and hindering my credit worthiness. As a consumer, I am aware of my rights. I have attempted to resolve these issues directly with the CRAs but have been unsuccessful in obtaining a resolution. I did not give XXXX, XXXX, nor Transunion my consent to disclose my personal public information. Because of this, it is a violation of the law. This account is deemed as fraud and should be treated as such. I have no knowledge of this account and request that it is deleted. 

Account number XXXX
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

I am currently in XXXX due to a family health emergency and will not be able to return to the US before XXXX more months. 
On XX/XX/XXXX, while traveling in Puerto Rico, I made a transaction to purchase ferry tickets to a nearby island. It has come to my attention that my personal information was compromised at the ferry port, leading to an unauthorized wire transfer of {$55000.00} from my savings account to an account at XXXX XXXX XXXX. This has been a shocking discovery, especially since I had not been contacted by Chase regarding such a significant transaction. 

This incident came to light after speaking with a fellow traveler from XXXX, Illinois, who experienced a similar fraudulent activity in XXXX, resulting in the theft of {$69000.00} from their account. 

Due to my focus on an urgent family issue, I failed to notice the transaction in time. Upon discovering the discrepancy, I visited the bank immediately and was advised to report the incident via this communication. 

I submitted affidavit and proof of my travel but they denied refunding the amount saying that I had to report the incident within XXXX XX/XX/2024 but as I was traveling abroad and going through family issues I failed to report within time and I reported the incident a month late on XXXX XXXX. 
I am a post XXXX researcher at XXXX XXXX XXXX XXXX and I saved all those struggling while doing my PhD and paying off my students loan. And now I do not have anything in my bank account as all my savings have been stolen from me.
Consumer complaint received 2024-07-16
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. (NY)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

I have made 120 payments on my PSLF Loan. I called in early XXXX to clarify the process for applying for forgiveness. 

First they told me to complete the form online. The form wouldnt allow me to complete it online because it kept saying I hadnt made 120 payments even though I had. The agent told me to keep refreshing and trying to submit but it never worked. They then advised me to submit the form manually. 

They told me once I submitted the form, my account would be placed i to forbearance while my payments and forgiveness application was being reviewed. 

Three weeks later I received an email that my XXXX payment was due soon. I sent a message and got no reply so I called again. 

This time I got completely different information. I was told I just have to keep paying my bills because it would be 57 business days before they even look at my form. I explained that this was quite different than what I had been told previously and got no attempt to assist or further explanation. 

I had not financially planned to have to keep paying this bill for potentially 3 more months as I was given what now seems like false information. This company needs to be held accountable for their service and process paperwork in a more reasonable timeframe as well as ensure accuracy and consistency In messaging.
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I have taken out federal student loans for both XXXX and graduate studies, and Mohela is my loan servicer. I am also in the XXXX program. 

On XX/XX/year>, I submitted applications to studentaid.gov to XXXX ) consolidate my student loans, and XXXX ) register for an XXXX XXXX XXXX. XXXX listed my repayment amount to be approximately {$260.00} per month. 

In a letter dated XX/XX/year>, Mohela finally informed me that my consolidated loans were disbursed as of XX/XX/year>, and that my first payment was due on XX/XX/XXXX. However, the correspondence listed my payment as just {$2.00}, and instead of being enrolled in my requested XXXX plan, Mohela had me on a standard repayment plan, which I did not request and is not compatible with PSLF. 

On XX/XX/year>, I contacted Mohela about the discrepancy in my monthly payment, since my payments were to resume on XX/XX/XXXX. The representative could not understand how or why my payment was listed as {$2.00}, when he said that payment should be over {$1000.00} since the XXXX request was not processed. The representative located the IDR request I submitted on XX/XX/XXXX, flagged it for review, and put me on an administrative forbearance. He informed me that the months in which I am in forbearance will qualify for XXXX. He also said that the XXXX request will take 15 days to process. 

On XX/XX/year>, I contacted Mohela again for an update regarding the same XXXX request. The representative had difficulty locating the form, and later said that Mohela now had up to 90 days to process the XXXX request. Correspondence from XXXX is now saying that my consolidated loans do not qualify for XXXX because they are not in the right payment plan. I am not receiving consistent information about whether these months in which I am in forbearance will count toward XXXX, even though I submitted both my consolidation and XXXX requests at the same time, as recommended by studentaid.gov. 

I have submitted XXXX requests regularly since my loans were first in repayment. Never before has an XXXX request taken close to XXXX months to process. Mohela is providing inconsistent and conflicting information about my XXXX request, and whether these months in forbearance will count toward XXXX.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am enrolled in auto-pay with a Capital One MasterCard account, I have noticed to distinct problems after reviewing my statements : 1 ) Even though my auto-payment is scheduled, processed and submitted on the date due, I have now on multiple occasions been charged a late fee.

2 ) Most recently the auto-payment that was submitted happened to be below the " minimum payment required '' and thus a 30 day late* was posted on my credit report. 

The relief I would request is simply removal of said information from my credit report, if this can not be accomplished I would like to pursue further action and potential litigation as I am sure I am not the only consumer effected by these practices.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

I am not Liable for this debt of {$820.00} with LVN FUNDING LLC account number XXXX I do not have a contract with LVN FUNDING LLC. They did not provide me with the original contract as I requested with my wet signature and ID verification. 


15 U.S.C 1681
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Army and Air Force Exchange Service (VA)

I have a Military Star credit card that can be used at Army/Air Force Exchange stores and XXXX XXXX XXXX XXXX XXXX I have had the account since XX/XX/XXXX. The card has a rewards program for a {$20.00} reward credit after each {$1000.00} worth of qualifying purchases ( XXXX points for each dollar or each XXXX points ). Im using the card for about a {$1000.00} in purchases every XXXX weeks. The rewards are a big reason I use the card. 
To begin, I received cards for rewards regularly through the mail. About a year ago, Military Star changed its policy to send the rewards in emails. 
I began receiving the emails for rewards at first, but, earlier this year I noticed I had not received a reward for an extended period. Admittedly, I was not monitoring the account close enough to pinpoint exactly when the last reward was received, but I believe it was before this summer. I am checking spam/junk files for the emails. 
Customer Service tells me a reward was issued in XX/XX/XXXX, and, most recently, I made a payment on XX/XX/XXXX, for which a reward should have been issued. I have received neither. 
I have previously requested that they reissue past rewards that have not expired ( 90 days from the date of issue ) and that have not been redeemed. I dont know what the result was because I have not been able to get that information from AAFES XXXX 
I have questions about this : XXXX ) How many rewards have been issued since XXXX of this year? 
XXXX ) How many have been redeemed? Where were they redeemed? I suspect someone may be diverting my rewards emails, and, if thats true, they are probably being redeemed somewhere other than XXXX XXXX, VA, which is where I redeem all rewards Ive received. 
I have just changed my email contact address on the today in an effort to thwart fraudulent efforts to obtain the rewards. 
How am I to recover the rewards for which Im entitled?
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$560.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-07-17
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. (GA)

Inquiry : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> This inquiries was conducted without proper authorization from me. As per the Fair Credit Reporting Act ( FCRA ), Section 1681b ( c ) ( 1 ) ( B ), hard inquiries must be based on a permissible purpose and require consumer consent. In this case, no such consent was provided, making these inquiries inaccurate and potentially damaging to the consumer 's creditworthiness. 

Enclosed with this letter are copies of the consumer 's credit reports from your bureau highlighting the disputed inquiries. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA guidelines. Please promptly remove the unauthorized hard inquiries listed above from my credit report maintained by your bureau. Upon completion of your investigation, I kindly request written confirmation of the removal of these inquires. 

Please ensure that all correspondence related to this dispute is handled in compliance with the FCRA, and that the investigation is completed within the statutory timeframe. 

Should you require any further information or documentation to process this dispute, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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)

I am writing to deleted the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please deleted this items as soon as possible.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-14
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 have identified unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft. Despite previous communications about this issue, these inaccurate accounts remain on my report, causing me significant stress and XXXX  These fraudulent entries do not reflect my true credit history or financial management capabilities. Dealing with this situation has been extremely difficult. 
If we can not resolve this promptly, I am prepared to take legal action to protect my rights and find a resolution. The presence of these erroneous items is a major problem, preventing me from achieving crucial financial goals like purchasing a home and providing for my family. I urge you to rectify this issue swiftly by removing the unauthorized accounts from my credit report. I sincerely hope we can reach a resolution soon.
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: EQUIFAX, INC. (OH)

Equifax has reported that, The account XXXX ( XXXX ) in the amount of {$12000.00} is in Closed Status which is not. The true status of this account is in Collection off. I'm still receiving calls and letters from XXXX XXXX XXXX asking to pay XXXX % of the remaining balance proof of that will be downloaded in the CFPB document attachments so that Equifax can view the facts.
Consumer complaint received 2024-06-17
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. (MO)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
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: EQUIFAX, INC. (LA)

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 me 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 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. 


XXXXXXXX XXXX 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