davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

My bill was due on Saturday XX/XX/XXXX. I was out of town with no phone service but had internet. I went to pay my bill online but only received the attached message regarding technical difficulties. Later I tried again to no avail. Then I attempted to do a live chat. I was connected to an agent but was disconnected four times. It should not be this hard to pay a bill or contact support. 

When back in town I called the number on my card and paid my bill in full.
Consumer complaint received 2024-05-27
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. (SC)

This is to follow up to request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

Dear Sir or Madam : This letter is to file a complaint against the student loan service provider, XXXX XXXX for misleading me to believe that I have made 24 qualifying payments under the Department of Education ( DOE ) Public Service Loan Forgiveness ( PSLF ) program.

On XX/XX/2019, after reviewing my student loan portal, I noticed that only 16 ( and not 24 ) qualified payments had been applied to my account. I phoned XXXX customer service asking for clarity. A supervisor explained that some of my payments only satisfied the monthly balance due and not the PSLF monthly balance.

Below is an illustrative example : PSLF tells Student Borrower ( SB ) to pay $ XXXX monthly starting XX/XX/XXXX. XX/XX/XXXX arrives and SB pays {$100.00}. {$1.00} exceeds the January balance and applied to the XXXX balance, reducing it to {$99.00}.XX/XX/XXXX  arrives and SB pays {$99.00}, the balance due for XX/XX/XXXX. However, the payment does not satisfy the PSLF requirement and is therefore not a qualified payment.

I have eight months of on-time non-qualified payments because I overpaid and then subsequently underpaid or, in other words, paid the actual balance. I see nowhere on my XXXX   account that highlights or notates a difference between the balance due payment and the PSLF payment. In fact, as far as I can see, there is nowhere that displays the PSLF monthly payment, particularly after an SB pays over the monthly balance, what XXXX   calls paid ahead.

The XXXX  supervisor explained that DOE guidelines is the cause of the confusion ; however, an easy solution for FedLoan to avoid the confusion is to prominently display both the XXXX  monthly balance and the PSLF monthly balance.

Id also like to note that I am a XXXX XXXX, XXXX  employee who believes in the spirit of the federal student loan forgiveness program. However, the program execution has seemingly failed people like me.

I ask that my eight ( 8 ) on-time non-qualified payments be applied towards my PSLF count and that the power of your office demands improved transparency for XXXX  SBs.

XXXX XXXX said that it will conduct a review of my account, which could last up to a year to complete.
Consumer complaint received 2024-05-27
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-27
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 to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the bank thru a phone call and they said to fix these. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove these information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-27
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. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX - XXXXXXXX XXXX XXXX XXXX-Under 15 USC 1692g . Validation of debts- Please delete immediately XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXUnder 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXXXXXX XXXX XXXX XXXX-Under 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXXXXXX XXXX XXXX XXXXUnder 15 USC 1692g . Validation of debts- Please delete immediately XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Validation of debts- Please delete immediately XXXX XXXX XXXX {$600.00} XXXX XXXX {$920.00}
Consumer complaint received 2024-05-26
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. (IL)

I noticed and reported charges for XXXX XXXX XXXX on my Chase XXXX account that I did not purchase. 

they closed my credit card and gave me a new card. They removed the charges that I reported as fraudulent. These charges were for XXXX XXXX. 

Each charge was for {$1700.00}. 

Transactions number ending it XXXX, XXXX XXXX charges were XXXX. 

This is a lot of money that I would not be spending. 

On XX/XX/XXXX, I noticed Chase placed these charges back on to my new card. 

Since them I have been arguing with Chase to say these are not my charges. I have also filed a claim with XXXX XXXX to dispute these charges. 

If you look at my credit card history you will see I don't buy expensive XXXX XXXX. I don't have in my budget for a big trip and if I were taking a trip I would also book a hotel and a place to stay. Chase is saying since one of the tickets was in my name ( odd sine there is no record of this in my XXXX account ) and that the ticket went unused that these must be valid charges. 

I have spent over XXXX hours trying to get this resolved and I am headed back to the bank on Tuesday to get more help. 

I am very disappointed in Chase, I thought that they would protect me. I have been a customer for over 25 years. This is not right.
Consumer complaint received 2023-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (VA)

I had an account with PNC. Back in XXXX XX/XX/XXXX PNC charged off {$340.00}. Stating they had closed my account. Making my account XXXX. 

On XX/XX/XXXX they reopened my account to reverse provisional credits that were issued in XXXX. Then making my account negative {$760.00}. Then then charged off the {$760.00} on XX/XX/XXXX making my account XXXX balance. Who has then stated and I have documentation the account is CLOSED. 

They sold the debt to a third party who has been contacting me saying I owe them over {$1000.00}. I also have the company I disputed with that I originally received the provisional credits for saying I owe them the money for the credits which I never received and were reversed from PNC. 

Fast forward to XX/XX/XXXX. I transferred a XXXX XXXX deposit to my bank which at the time was changed. I believed it was going to my debit card as all my other XXXX XXXX deposits do. It was accidentally sent to PNC. Keep in mind this account has been closed since XXXX and I still have the debt collectors whom PNC sold the debt to still contacting me. I notified PNC who at first said they would send it back. After a week goes by I call them back and they stated I owed them money and they are keeping it. The account is closed. No deposits should be going through. I asked for updating documents stating they received this amount and reflecting from the new debt collector, I received nothing. I told them they sold the debt that it is my money and needs to be returned, I received nothing. I only received a copy of statements reflecting a XXXX balance and charged off made back in XXXX. I contacted XXXX  about this. Heard from PNC in an email and by phone. I asked that all correspondence be put in writing to me as I dont want anything done over the phone. I want it all documented. I asked for my money back Im told theyre trying to figure out a way to put it in an email because they continuously tried to call me to explain to me I guess the situation, so its weird. They wont send me an email what they want to tell me on the phone, Im unable to even log into this account because its close XXXX XXXX will not do anything about it and theyre keeping my XXXX dollars. What they are doing is illegal its not right if you close my account and you sold the debt, nothing shouldve gone in that account. My taxes didnt even go in that account. The account is closed. I tried to withdraw the money from the PNC account to my new bank account. It said it was closed, somebody needs to help me because this is a scam and its not right. I now have two collection agencies contacting me for the same thing someones not communicating with somebody and theyre stealing money please help.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good Evening CFPB, My name is XXXX XXXX, and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not sent any mail responses to my disputes, nor have the involved companies. I feel my rights as a consumer are being violated. I am the victim in this situation and can not get proper help or responses from the credit reporting agencies. If no further action is taken, I will pursue legal action.
Consumer complaint received 2024-05-26
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. (CA)

Please remove the accounts on my consumer report. They do not belong to me. 

You do not have permissible purpose to report on my consumer report.. 

15 usc 1681 permissible purpose requires a written authorization to furnish on my report. 

I am Requesting you produce my written document giving you permission to furnish. I want the original copy with my wet ink signature.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

Square inc. has been unlawfully holding funds through my checking account with them associated with my pos for my business XXXX XXXX XXXX They have gone against their own reflected calculations and arbitrarily given and taken amounts. Recently they have attempted to debit my business account XXXX usd for a balance owed. When in fact I am owed {$280.00} used. They have cause my business to be in shambles for months. They will not answer any of the numbers provided nor accept or give any solutions. They have no attempted I authorized debits and break our contract by avoiding solutions. small business owners stay away from square they will steal Your funds.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (TX)

Square merchant services ; XXXX XXXX XXXX XXXX was closed on XX/XX/2022 for non compliance activities which were not clear to me. Funds in excess of {$1800.00} was held up in my account and was supposed to be held between XXXX days. On XX/XX/XXXX, an aggrieved customer disputed a transaction of {$740.00} which after submitting documents to support the transaction, it was ruled in my favor by the disputing bank. After this clear satisfaction, I have asked Square to release this funds as there is no justification for a continuing hold unless there are trying to trade with my money.
Consumer complaint received 2024-05-27
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: EQUIFAX, INC. (NJ)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-27
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. (MS)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.