davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-29
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. (ND)

This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX someone was able to access my account and transferred money from my savings to checking and then made series of 4 unauthorized XXXX transactions. Amounts : {$200.00}, {$450.00} ( posted XX/XX/XXXX ), {$700.00}, and {$650.00} ( posted XX/XX/XXXX ). Before this time I did not even have a XXXX account, so the perpetrators of the fraud also created a XXXX account at the same time. 

As soon as I was notified of these fraudulent transfers I called the bank and reported it ( around XX/XX/XXXX ) All 4 transfers were still pending at the time ( as noted above they did not post until XX/XX/year>. ) Within a few days ( XX/XX/XXXX ), the bank had credited the smaller of the two transfers to my account, but not the other 2. Calls to the bank were not helpful. They said to wait 10 business days while the investigation was ongoing, and that I'd receive a report when the investigation was complete. 

Meanwhile I also filed a local police report on the fraud, and reported the fraud to XXXX. 

While waiting for any action, all the XXXX transfers moved from pending to complete. 

Around XXXX XXXX the credits given to me by the bank were reversed. At the time my balance in checking almost went negative and I had to transfer money from savings to checking to ensure I didn't incur fees. 

Still there was no update from the bank. 

I called today and the bank reported that the result of the investigation was that there is no proof of fraud. Even though I had called when the transactions were pending to report them as fraud. I can also show that it was not me accessing my account because of the IP address and operating system type logged in at the time of the transfers. It seems the bank has purposely not done their due diligence in investigating this fraud in order to not refund the fraudulent transactions. 

The bank also can not tell me how the bad actors got access to my account, and can't offer any suggestions on how to prevent this type of activity in the future.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (CA)

I'm writing to express grave concern about intentional privacy violations by the XXXX major credit bureausExperian, XXXX, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.
Consumer complaint received 2024-01-08
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: Chime Financial Inc (GA)

I lost my chime credit card on or around XX/XX/XXXX  and XX/XX/ My credit card was used at a XXXX multiple times on the XXXX at a pump for the amounts of {$170.00} {$86.00} {$8.00} {$17.00} and also at XXXX  for the amount of XXXX from XXXX till XXXX. After seeing the transaction I call chime to dispute charges and let them no my card was lost I spoke with a supervisor who cancel card and told me the location of charges and advised me to go to the XXXX and try to resolve this my self and I did but the clerk gave me no information and refuse to talk he said he wasnt a manger since then I have provided a police report and also another supervisor advised to send in pictures of the day to show my location which I also provided just for them to keep giving me more task I feel like my money is a lost and Im the victim of fraud.. But its like the bank not taking it serious and its like my money its not protected
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I would like to dispute off inaccurate accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (DE)

I received a phone call on my cell phone, XX/XX/XXXX at XXXX XXXX  from phone number ( XXXX ) XXXX. The man said he was a Best Buy employee, however, I could hear the wind in the background. He then asked me if I ordered a camera from Best Buy and asked my name. I told him my name and said I never ordered anything from Best Buy. After hanging up the phone, I called the phone number back only to find out it didnt exist.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$8900.00}
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (DC)

UPON VIEWING MY CREDIT FILE I NOTICE THAT THERE WAS MULTIPLE FRAUDULENT ACCOUNTS THAT WAS ESTABLISH IN MY NAME WITH NAVY FEDERAL CREDIT UNION AND XXXX XXXX IN OR AROUND THE FOLLOWING DATES : XX/XX/XXXX AND XX/XX/XXXX OF 2022 AND XXXX XXXX PLEASE BE SO ADVISED THAT I HAVE NOT GIVEN ANY ONE MY EXPRESSED PERMISSION TO ESTABLISH THESE ACCOUNTS IN MY NAME THIS INFORMATION IS INACCURATE AND REPRESENTS FRAUD AND IDENITY THEFT. IT FURTHER REPRESENTS A CLEAR VIOLATION OF THE ( FAIR CREDIT REPORTING ACT 15 U.S.C 168i
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NV)

The company Nelnet student loan has not posted payments I've made to my accounts. 

I called in XXXX to correct this. 
I made my XXXX and XXXX of XXXX payments. 
The representative notified me that my loans have been forgiven and that a letter was sent out to me. 
I have not received this letter. 
The representative assured me that my payments will be refunded to me when mt account updates with the forgiveness. 

XX/XX/XXXX, I received a call from Nelnet stating my account is past due. 
The representative quickly apologized for the call and sees my account is in forgiveness. 

I asked the Nelnet representative if this will be reported to my credit bureau. She assured me it is illegal to do so since my application for forgiveness was approved. 

Unfortunately today XX/XX/XXXX my student loan account has been reported to all credit bureau and my credit score has no dropped XXXX points!! 

I need this fixed and soon. I am reporting because this should have not happened.
Consumer complaint received 2024-01-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (OK)

My student loans are serviced by Mohela. I have contacted them multiple times requesting that they place my loans on forbearance while my new IDR plan is processed because the payment plan they had me on was incorrect. I have been told multiple times that the changes had been made and that the payments would not continue until forbearance was complete and my new payment plan was processed. However, these changes have still failed to be reflected on my account and I am still getting auto-debit reminders that they are going to try to charge my almost {$2000.00} erroneously. I am absolutely fed up with the lack of action at this point and do not know what else to do besides place stop payments on my account and file complaints. I have already filed complaints with the XXXX, XXXX, and now CFPB.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-05-10
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. (TX)

XXXX, Transunion, and XXXX are not investigating disputes. I have submitted Police report, FTC identity theft report, showing that accounts and inquiries don't belong to me and that my information was leaked in the XXXX XXXX and they fail to remove fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 


XXXX announced that it had breached the data of approximately XXXX XXXX U.S. consumers. ( names, addresses, dates of birth, Social Security numbers, and drivers ' licenses numbers were exposed. )
Consumer complaint received 2023-08-29
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 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 items ( A ). It is not permissible to fail to validate these reporting itemsas unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied for a FHA re- finance loan. XXXX XXXX was aware that I had been trying to get Transunion and XXXX to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call 3rd party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked Transunion and XXXX to remove them and they would not as the tradelines information reported are not vaild
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-09
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

I was given a XXXX survey about their business practices and when the survey was complete I was told I would be given a {$500.00} dollar gift card from XXXX but they needed me to pay for the shipping of the card and they told me the shipping of XXXX gift card would be {$1.00} and I would need to use my credit or debit card. I submitted the debit card information and instead of the {$1.00} I was given this information that I could contact XXXX and their phone number was XXXX ( XXXX ) XXXX I immediately knew something was wrong because it did not indicate that I would be receiving the XXXX gift card. All of this happened on XX/XX/XXXX. I went to my Key Bank app and checked my checking account on XX/XX/XXXX and this premium device company was not on my checking account but another false company called XXXX pro shop XXXX and the took out {$160.00} and I did not authorize either of the false companies to take out of my bank account any money. I also on XX/XX/2023 tried to contact the premium device company and I attempted 8 times and was put on hold and then after 10 minutes the company hangs up on you. I submitted my complaint immediately to Key Bank and I gave them all this information. I was not given a provisional refund from my bank and they closed the complaint saying it was determined that the transaction was processed properly.During this time I had spoken to Key Bank employees who work in the fraud department their names beginning with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX and XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX and lastly XXXX on XX/XX/XXXX I gave all of the employees this information about the scam and fraudulent use of my debit card. They have denied once and I reopened the case with XXXX. I should have been given the provisional refund. I am submitting my complaint to you today XX/XX/2023 2023