davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (NY)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dated XX/XX/XXXX  and XX/XX/23 please investigate and provide proof with statements showing that these payments were late. If proof can't be provide i demand these be updated to paid as agreed on time as they should be due to the fact i was never late. thanks! please see screenshots attached.
Consumer complaint received 2024-01-11
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-22
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 604 A. States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NC)

I contact chime because the company I brought my car from did not get the payments On XX/XX/2023. I have talked with dozens of representatives. I have summited photos, emails, calls, videos of the reasoning I am disputing the transactions. I keep getting denied. I have attempted to contact the investigation team to no luck. Thus is going on over 2 months of disputing and over 15+ rebuttals. My last denial was on the XX/XX/2023. I an reopening the claim as of today XX/XX/2023. My bank is chime. I want resolution to this situation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023 XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-19
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: SYNCHRONY FINANCIAL (GA)

The Home Design Loan from Synchrony Bank was offered by the company XXXX XXXX. The company billed my credit card before the work was completed as agreed upon. One document has a forged signature, the other has discrepancies as to the initial work and cost. The company never allow me assess to the eSignal documents on their device, and refuses to address the issues at hand. The documents that I received were sent to me by Synchrony Bank. The company never gave me access to the documents I requested on XX/XX/2023. The Bank stated that they did not have my signature on file, hence my dispute was deemed as a service issue.
Consumer complaint received 2024-01-11
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. (GA)

Ive reviewed my consumer reports and notice that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :
Consumer complaint received 2023-03-24
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: Global Lending Services LLC (NJ)

THESE ARE INQUIRIES THAT WAS NOT AUTHORIZED : XXXX XXXX GLOBAL LENDING SERVICES XX/XX/2022 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Commencing on or around XXXX, 2023, I fell victim to a multilayered scam operation orchestrated by ZoneSwap ( Clone ) ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Bank of America 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CO)

Hello, my student loans got transferred to from Great Lakes to NELNET earlier this year. Prior to the transfer, I had spent several years paying off the interest to my loans down to {$0.00} and only paying off the principal balance before the student loan pause due to COVID-19. I received an email earlier this year that my loan was being transferred to NELET and that nothing was going to change with my account.

After the transfer was complete, NELNET added an interest to my account. Reminder, I had been interest free for a couple years!

I called NETLET To understand why interest was being accrued again when I had been interest free prior to 2020. They were not able to give me a good reason at first. I called several more times through the summer and then again last week. From that last conversation with the representative at NELNET, when the transfer from great lakes to NELNET happened, NELNET was able to start charging me a daily interest rate and that it was included in a master promissory note ( That I never agreed too ). I was shocked at this and immediately filed a case with the studentaid.gov website for student loans.

I am reaching out to all my congressional representatives as well as Department of Ed OMBUDSMAN, CFPB and anyone else you can recommend. I am planning to continue paying my loans ( even with the interest, however I don't believe this right, under any circumstance and that I am being taken advantage of. I believe NELET is doing wrong. I am unsure what my actual ask is, but that I need some help and support in reaching the right people to understand how they are able to do this.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a checking account, savings and a credit card with citizens bank. 

This is about my Citizens Cash Back Plus World Mastercard, which I opened last year in summer.

I've been out of the country for almost two months, visiting my family in XXXX. 
From XX/XX/2023 to XX/XX/2023. 

I checked my mailbox after returning to see I have received a letter from Citizens bank stating that my credit card account is closed because of some suspicious activity. 
I tried calling citizens immediately and they said it was regarding my payment made through a miscellaneous account for the amount of XXXX on XX/XX/2023. 
They requested to provide a proof of authorization from the person 's bank account which I used funds from to pay my card bill. 
( I used my cousin 's bank account details to pay off my balance and I was only able to use it after verifying the account within my online banking with the two minor deposits they sent to authorize to his account. ) I did reach out to my cousin again and send out the statement of his to citizens to get verified by them and get my credit card reinstated.. 
The case evaluation took more than two months and after two months they gave me a call and say they need to do a credit check to reinstate the credit card stating that after any account is closed it could be only opened back/reinstated within three months. 
I argued it was their team who delayed the process in the first place despite me going to bank twice to resolve this. 
There wasn't a mistake at all from my side in the first place, they didn't have proper communication before closing the account. I never receive a call/text or email from them to confirm that suspicious payment that they thought it was, all they did was send out a piece of mail and close the account.
Instead of closing the account straight forward, they could have, texted, called or emailed me to find the details of the payment, despite me being out of country I do have access for those all and could have explained them and resolved the issue.

In the end now after the inquiry they said they cant approve the card because of my existing credit stage.
I lost a credit card and an account from my credit history because of their improper maintenance/handling of situation.
And this did affect my credit score again.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MN)

Synchrony Bank Mills fleet farm This account was set for auto payments. It was never taken off auto payments. 
For whatever reason, synchrony Bank removed it from auto payment and never contacted me. 

There were no statements sent and there were no phone calls made. I reached out to synchrony about this and they gave me the runaround and we're supposed to send me after 30 days following my complaint and dispute documentation. They never did. I reached out again and they told me 45 days every time I'd call they tell me it would be another 15 to 30. I actually had my mortgage lender reach out as well to document these calls with us. I reached out over 12 times and they would never let me speak with anyone to go over my account. They kept telling me that they were going to send me a decision via mail. They never did. 
When speaking with them they acknowledged that no one had ever called me letting me know that I had a past due balance. I never received any mail stating I owed a past due balance. They said that it was abnormal to not have received a phone call. 
In addition, they charged off the account in 18 months. And never contacted me about this either. 
I didn't even know anything about this until I went to purchase a home. 
I have paid every single one of my bills on time my entire adult life. My other accounts with synchrony have impeccable payment history. 

I believe that they charged this account off during the covid relief. It is abnormal for an account to get charged off in less than 2 years. Especially without contacting the account holder. I would also like the letter that I was promised in writing 3 years ago stating what they found in their investigation. 

I said I'd be happy to pay them the {$800.00} that they never contacted me about if they would remove it off my credit and they said absolutely not. It was already charged off.
Consumer complaint received 2024-01-11
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. (OH)

this is my SECOND time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXX  # XXXX I have a legal right to dispute anything on my credit report that does not belong to me I AM NOT A LAWYER AND THIS IS NOT A THIRD PARTY REP. I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I moved out of the rental property on XXXX XXXX in XXXX of XXXX. In XXXX of XXXX a bill for {$2500.00} pop up on my credit report. When I went to challenge and dispute the claim with XXXX XXXX XXXX I was told that the individual that I make my last payment no longer worked with XXXX XXXX  and new management had no longer and that they didn't have way to verify my statements.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (OH)

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 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 2024-08-18
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

On the XXXX of XXXX, XXXX  my PayPal account was hacked into and an unauthorized transfer of over XXXX XXXX  was made via family and friends to XXXX. I wish to state for the record that XXXX is not my family or friends. The transaction receipts state that the funds will be made available on the XXXX of XXXX. Kindly block the transfer and do not honor. XXXX is contacting me by email as a scammer and I believe that he has hacked my computer. I did not purchase anything from him, nor did he provide any value to warrant the payment of XXXX XXXX or any amount from my account. I am a XXXX and vulnerable person and need the funds for my medical support. I do not approve of any transfer of XXXX XXXX  to XXXX or any amount to the scammer and this serves as a legal notice to recall the funds immediately. if you need any further information to facilitate the investigation please let me know. 



XXXX XXXX
Consumer complaint received 2023-09-19
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: CITIBANK, N.A. (GA)

In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for Citibank, XXXX XXXX and XXXX falsely in my name. I have never requested any cards or products if Citibank, XXXX XXXX or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( CITIBANK, XXXX  XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.