davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I am managing two student loan accounts. One is my account, one is in my mom 's name. During COVID, the loan in my name was paid down to XXXX. When there was an announcement that $ XXXX will be forgiven per loan, we decided to take advantage and transferred the $ XXXX worth of payments made on my account to the larger loan in my mom 's name, allowing a total of $ XXXX to be " forgiven '' amongst the two loans instead of only $ XXXX on XXXX loan. The funds were transferred by our old servicer, Great Lakes. When I found out that the pause was ending and no loans would be forgiven, I realized I would have 2 large student loan payments each month instead of one. I called Nelnet on XX/XX/XXXX and waited 1.5 hours on hold and was unable to get through. On XXXX XXXX, XXXX, I waited on hold for another 2.5 hours to get the funds transferred back to the loan in my name, where the funds were originally intended. I was told my request would be processed in 10 business days, but had no record sent to my mom 's loan or my loan that this is being processed. On XXXX XXXX, I called and waited another XXXX hours to speak with someone about an update, to which they stated that they had no update or timeline. I told them how I had waited over 3 hours and they have XXXX more information for me? She said " I'm sorry, we don't. '' I asked for a supervisor and she said she could get a supervisor, but they won't be able to give me any more information. I waited another half hour for the supervisor, hopeful for more info. The supervisor told me she could send a generic email from Nelnet to my mom 's email that says " We're processing your request, '' but again, within the email, no timeline or solution can be given because they are so " swamped '' ( understandable that they're swamped, but no timeline is frustrating ). An expedited request is not available. XXXX is coming up and I will have to pay two loan payments instead of one because I don't know if and when this transfer will be processed. I guess I shouldn't have tried to take advantage of the forgiveness, but now I'm in a pickle with no updates. I could try to call them again in two more weeks and risk being on hold another 3 hours ... I just want a resolution.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

On XX/XX/2023 a credit of {$190.00} was posted to my checking account as Pending with the funds stated as accessible on XX/XX/XXXX. On XX/XX/XXXX they were still Pending and not accessible to me. On XX/XX/XXXX, the status on my account remained Pending but he posted date changed to XX/XX/XXXX and accessible funds date changed to XX/XX/XXXX and the funds are still not accessible. 

I brought it to the attention of the XXXX XXXX and she didn't understand why the funds were not available either and the date changed the first time this happened. Then I knew this was a problem. 

This is the second time I'm having this issue with XXXX XXXX XXXX XXXX. The previous time was with XXXX. They submitted a credit to my account. XXXX XXXX XXXX XXXX held the funds as Pending for 5 days, kept moving the Pending date for 3 days until the funds were available to me. Each time XXXX XXXX XXXX XXXX claimed it was a problem on the company 's end not theirs which was completely false. 

This time I made the mistake of not taking pictures each night with my phone to prove my point but I am going to do this tonight. The intentional illegal withholding of funds for whatever reason is a practice of theirs which needs to be investigated. Since this is the second time, I'm filing the official complaint and not discussing it with their corporate office again.
Consumer complaint received 2024-06-05
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (LA)

Transunion is willfully neglecting and non compliant with removing my non public personal information. Dispute has taken over the 30 days. Also Transunion committed fraud by not blocking information due to my FTC identity theft report as stated by law in 4 days. Identity theft means a fraud committed using the identifying information of another person US DEPARTMENT OF EDUCATION accounts XXXX & XXXX is being illegally furnished without any written, non written, verbal or non verbal permission from me.
Consumer complaint received 2024-06-05
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. (MT)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my first endeavor 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, block 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
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
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)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that is not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/scrub>XXXX XXXX XXXX  I received an email from an appartment complex declining my application because they believe I have a XXXX XXXX XXXX  on my record. I have informed them that the XXXX was dismissed and one was dropped to a XXXX and its closed. I have document to show that its been taken care of.
Consumer complaint received 2023-10-25
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. (GA)

I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively affecting my credit score. I have reviewed my credit report carefully and found the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
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. (VI)

I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with XXXX XXXX XXXX XXXX XXXX regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified XXXX XXXX XXXX XXXX XXXX directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, XXXX XXXX XXXX XXXX XXXX has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that XXXX XXXX XXXX XXXX XXXX conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, TransUnion, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 

I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the XXXX XXXX XXXX XXXX, creditors are required to comply with specific rules regarding the reporting of late payments : XXXX. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law. 
XXXX. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the persistence of discharged student loans on my credit report. Despite providing the necessary documentation, including the discharge letter, the credit bureaus have neglected to update my report accordingly.

The inaccurate reporting has adversely affected my creditworthiness, despite my compliance with all procedures. I request the CFPB 's intervention to ensure the immediate removal of these entries and to prevent similar occurrences in the future.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WV)

Bottom-line up front : I just want Chase Credit Card Company to reapply my original 12 months 0 % as we agreed. If this doesn't occur my family will lose {$750.00} fee and incur $ XXXXmonth interest payment that I can't pay at this time. This will result in {$3900.00} in costs that I can't afford in the XX/XX/XXXXbudget. 

Situation : Transferred {$15000.00} with {$750.00} fee for 12 months 0 %. On the next payment, I submitted an interest savings payment, since no interest was applied to the account the credit card company switched the payment method to " Statement Balance '' payment instead of " minimum payment ''. I didn't have the funds available therefore the payment was not sent by the bank. 

After calling the credit card company they informed me the following : Even though a payment was never received by the credit card company, the amount was applied to the account in advance. Since the payment was systematically applied, the 12 month 0 % was considered paid in full. Now when the bank transaction was never sent nor received, the {$15000.00} was reapplied to the account as a debt of {$15000.00} with interest of 21.99 %. 

Why can the credit card company apply funds to my account in advance without actual funds in hand? 

Why can the credit card company change my payment from " interest savings '' to pay " statement balance ''? Why shouldn't Chase be required to switch the payment to the minimum requirement or just inform me that the payment couldn't be applied since no amount was subject to interest? 

I have paid the monthly minimum payment of {$150.00} and changed my reoccurring payment to " minimum due. ''
Consumer complaint received 2024-06-06
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)

I have filed a complaint with the FTC and filed a police report for the unknown collection account XXXX XXXX XXXX XXXX  XXXX and the unauthorized inquiries. It has been almost XXXX months and the unknown collection account and the unauthorized inquiries remain at large on my credit. I am requesting the CFPB help to facilitate the matter. The bureaus have ignored me. I have also spoke with a XXXX XXXX Attorney. He told me to follow up with his firm after the results from this complaint.
Consumer complaint received 2023-09-15
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (FL)

I had an unauthorized transaction take place for {$51.00} from XXXX on XX/XX/XXXX XXXX. To preface : I used to have a XXXX account but had cancelled my plan with them due to the horrendous service ( avoiding questions pertaining to plans, service outages/lack of service etc ) I was experiencing alongside a high phone bill ( Which was {$120.00} per month... not {$51.00} ). All in all I currently have XXXX as my cell phone provider and have a subscription/BALANCE with them and only them. 

I communicated with XXXX direct support in an effort to have a dispute in place yet they hung up on me 4 times upon my request. They had refused to acknowledge my concerns, and followed the same script each and every time. When I press questions and voice my concerns of the charge they say that no matter what they're unable to do a dispute. Their behaviors in ignoring my concerns, telling me that the charge will stay, and HANGING UP on me while I speak with them is horrible. 

My issue is with XXXX ( which is powered by XXXX )
Consumer complaint received 2024-06-09
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: Experian Information Solutions Inc. (NV)

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.