davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-10-31
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: AMERICAN EXPRESS COMPANY (CA)

Hi, This is regarding what appears to be a violation of the Fair Credit Billing Act. I am an XXXX XXXX small business credit card holder. On XX/XX/XXXX I was charged {$11000.00} by a vendor with the merchant XXXX for custom-sized doors. Upon receipt of the goods, I realized they were made to the improper size ( specified in written agreement ), among other misleading/fraudulent practices by the merchant, who failed to rectify the situation. So I submitted a dispute with AmEx to get the charge refunded.

I sent all requested and necessary proofs documenting this dispute to AmEx, including detailed photos and explanation of the incorrect goods. I have waited 4 months for AmEx to process this dispute ; AmEx said they were waiting on the merchant, which is a XXXX corporation and difficult to reach at times. Because of this and constant miscommunications with AmEx, I have had to resubmit this dispute several times, most recently on XX/XX/XXXX. 

Finally on XX/XX/XXXX, I received written confirmation from American Express ( attached ) that this dispute was resolved in my favor and that I would be receiving the credit on my account shortly, as well as email confirmation. 

However the next day, I received a message from AmEx saying this dispute was closed and NOT resolved in my favor, contrary to their previous confirmation. When I explained to the representative that I was already told that this was closed, they denied their previous confirmation and said it was a mistake. So I then asked them to provide documentary evidence as to why, but they did not. 

As of today, it appears that AmEx " reopened '' this case without providing any required and requested documentary evidence of why they closed the case against me in the first place. ( They instead request documentation from me, which has already all been uploaded as you can see under Previously Uploaded Documents. ) I request a resolution in which American Express honors their original confirmation that this dispute was closed in my favor by crediting my account for the full amount of {$11000.00}. I also request they remove any and all interest charges from this disputed amount over the 4 months its taken to resolve. 

Thank you. 

XX/XX/XXXX
Consumer complaint received 2024-01-04
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me.
Consumer complaint received 2024-01-04
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. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (TN)

I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX  : {$29000.00}.
Consumer complaint received 2023-10-20
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Consumer complaint received 2024-04-22
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. (CA)

I was in the process of checking my credit report and notcied an account in collections under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize this account to be opened and did not even know it existed now it is in collections beacuse someone fraudulently opened this account under my name without me knowing. The account in question is XXXX for the amount of {$610.00} the date they opened the account is XX/XX/year>. I have also already obtained an FTC report for Identiy Theft This account is also in collections I found out with a company called XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (FL)

I have inquires on my credit record that was not done by me these are the company 's FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my third 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
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I trust this letter finds you, though regrettably, it comes amidst an ongoing and concerning issue. I am writing to express my escalating dissatisfaction with the persistent challenges I have faced in attempting to remove fraudulent items from my account with your company. 

The presence of fraudulent items not only compromises the security of my financial information but also erodes the trust I have placed in your company 's services. Despite my multiple attempts to address and rectify this situation, the lack of resolution is both disconcerting and unacceptable. 

I implore you to conduct an immediate and thorough investigation into the fraudulent items on my account and take decisive action to remove them without further delay. Furthermore, I seek a comprehensive explanation for the persistent challenges in addressing this matter and a commitment to implementing preventative measures to safeguard against future occurrences. 

Should this matter not be resolved withinthe exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Sir/Madam, I, XXXX XXXX XXXX am lodging this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its relevant provisions, concerning discrepancies in the reporting of late payments for my XXXX XXXX XXXX XXXX card across multiple credit reporting agencies. 

Upon reviewing my TransUnion credit report, dated XX/XX/XXXX, it has come to my attention that XXXX payments for my XXXX XXXX XXXX XXXX  card account were reported as XXXX days late. Conversely, my XXXX report, dated XX/XX/XXXX, asserts that the account is current, with no late payments. Furthermore, my XXXX report indicates a single late payment without specifying the precise duration past due. 

This inconsistent reporting is in direct contravention of the FCRA, particularly Section XXXX, which mandates the accuracy of information within consumer credit reports. Moreover, Section XXXX imposes a duty upon furnishers of credit information, such as XXXX XXXX XXXX, to provide accurate and complete data to credit reporting agencies. 

The aforementioned discrepancies have resulted in material adverse effects on my credit score and financial integrity. As such, I implore the Consumer Financial Protection Bureau to initiate a comprehensive investigation into this matter XXXX, in accordance with Section XXXX of the FCRA, which stipulates the timely investigation of disputes and the duty to correct or delete inaccurate information. 

In light of the foregoing, I respectfully request the Consumer Financial Protection Bureau to take expedient remedial action to rectify the inaccuracies present in the credit reporting provided by TransUnion, XXXX, and XXXX regarding my XXXX XXXX XXXX XXXX  card account. 


Thank you for your attention to this matter. I anticipate a prompt resolution to this issue.
Consumer complaint received 2024-04-22
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. (FL)

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 XXXX 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 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

Hello, I have been having issues with Nelnet, my federal student loan servicer for several months now. On about XXXX or XXXX occasions since the beginning of this year, Nelnet has failed to apply my standing special payment instruction to how my auto-debit loan payment of {$350.00} was to be applied across my loan groups. In XXXX of the instances, when I called Nelnet, they informed me that because I had not caught their error earlier, there was no way for them to reallocate the payment, and that the fix would only be effective for that current month, not the prior month that was also at fault. Since XX/XX/2023, I have spent approximately XXXX minutes ( almost XXXX hours ) either on hold with Nelnet or on the phone with their customer service to try and correct these issues. Every time I call they apologize, say they have fixed the issue and to call back in XXXX to XXXX business days. Only sometimes the issue is fixed and eventually it breaks again. Once when I called back after the XXXX business days, the agent said the other agent I had talked to almost a month before hadnt actually fixed anything and there wasnt anything they could do for that payment ( XXXX payment ). 

Currently the following months payments were not allocated correctly in the past 6 months. 
XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly XX/XX/2023 allocated to single loan group incorrectly I even switched from my legacy special payment instruction to their allocate extra by percentages option to avoid any issues with the legacy option and people having to manually allocate the payment. I have been told that since I am paid ahead almost a year, that the allocate by percentages would split my {$350.00} payment as follows across my loan groups every month automatically. It failed to work and I dont know if I have it in me for another hour to XXXX hours wait on hold. Additionally, the estimated time on hold call out on their phone system is broken so it just says you have minutes on hold while also stating you have over XXXX wait. I tried this past Monday and gave up after XXXX minutes. 

Note that the original payment instruction before all these issues had been in effect successfully since XX/XX/2023. It was only starting around XX/XX/2023 that Nelnets system started breaking down and my payments started being allocated to singular loan groups against my wishes. 

I have also made several manual payments in this time period only to make sure all the loan groups show as having a payment applied to them so that when the loan status are reported to the credit agencies, even though they are paid up over a year ahead, that Nelnet doesnt go and report me not having made a payment for the month in question which has been rather stressful.
Consumer complaint received 2024-01-04
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. (CA)

on XXXX XXXX XXXX i sent some letters to Equifax about the method of verification of the way the conduct their investigations, about the procedure that Equifax uses, looks like Equifax is either not really investigating anything or they just like to stall tactic method on Federally protected consumers like me and not provide real documentation to back up any claim that an item was actually verified according to the Federal Fair Credit Reporting Act ( FCRA section 611 ). I would like your help in this matter. I feel as though Equifax does not care about breaking federal rules. CFPB please help me..
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (UT)

Delete Hard Inquiries 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. 
Th US. nts slow a se vi. States nave 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX : XXXX, payment not late account XXXX.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I obtained secured XXXX XXXX credit card XXXX 2022 with a security deposit. Then obtained regular XXXX XXXX " XXXX '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and XXXX XXXX still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.