davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
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. (VA)

After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like XXXX, XXXX and Transunion, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information.

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like XXXX, XXXX and Transunion aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}
Consumer complaint received 2023-11-09
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. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NY)

-My student loans were in forbearance with UASConnect until XX/XX/XXXX. 
-Initial payment selecting their " Pay the total amount due '' option was made on XX/XX/XXXX. 
-A payment was made for the loans due XX/XX/XXXX on XX/XX/XXXX which was returned. 
-A subsequent payment, again selecting the " Pay the total amount due '' option was made on XX/XX/XXXX. 
The next payment, again selecting the pay the total amount due option was made on XX/XX/XXXX. 

UAS reported one of my loans as past due for over 30 days, even though this loan was paid each month in full on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX respectively. 

In the attached documentation I have provided an example of this, where full payment was made on XX/XX/XXXX yet their website still reports {$5.00} being due. No matter how many times the {$5.00} is paid, the " amount due '' remains.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is 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. XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. Please remove this account ASAP.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

Hello, on XX/XX/23 I received a text message concerning if I was trying to make a {$760.00} transaction at a XXXX XXXX XXXX stating reply yes or no I then replied no. The number that texted me that then sent me a text stating that I will be receiving a call regarding the transaction that someone was trying to process. I received a call then I let them know that I dont know who or how someone was trying to make a transaction because my card was in MY possession at the time. It was very suspicious to me. I told the agent from chime that I dont allow anyone to use my card nor do I give anyone my information to my account or card!! I was on the call for over an hour trying to see what was goin on and they were able to go into my account to see and they told me that I needed to delete the app and reframe from logging into my account for that day and that they were going to give me a call the next day to let me know whats going on. I did not know wether to believe them or not because it was unusual for them calling me. but I I then reframed from logging in until the next day. On XX/XX/23 Wednesday night, I received a call from the same agent and same phone number from the day before, around the time my deposit was being deposited. I had a deposit hit to my account from my job ( the same time I always get my deposit ) I started to notice transactions were immediately being made. I called the number back to back to back to back to back they would not answer me. I started to get worried about my funds and immediately looked up chimes number and the number I was on the phone with was not the chime support number on the website. I then got in touch with an agent from chime they told me that I was possibly speaking with an anonymous scam chime. She said that she would place my account on hold and restrict all activity being made through my account. I told her I wanted to file a claim for the disputes. I filed 3 claims. The agent told me that I would receive an email regarding my claim ID numbers. I received those. The next day I received an email stating that one of my disputes were closed and denied those funds that were made. I immediately called chime back and asked to speak to someone higher up that can help me reopen and get my funds back to me! They said that the only way I could contact the investigation part was email. So I then emailed them, I sent photos attached to the email showing them my evidence of the transactions on my account. Its XX/XX/23 and I am still getting those disputes denied for I dont know what reason because I did not whatsoever make those transactions! I would REALLY appreciate if someone could help me with this and help me get the money I earned back into my account! I dont know what else to do because chime is not being very helpful at all. Please please help! Thank you
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.
Consumer complaint received 2023-08-31
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. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Lack of Response from Equifax Regarding Verification of Inquiries - FCRA Credit Rule Violation Dear Sir/Madam, I am writing to express my deep dissatisfaction with Equifax 's lack of response to my dispute letter dated XX/XX/2023, requesting verification of certain inquiries on my credit report. Despite my efforts to rectify this matter in accordance with the Fair Credit Reporting Act ( FCRA ) credit rule, I have not received any communication from Equifax. 

The FCRA credit rule clearly stipulates that consumers have the right to dispute inaccurate or incomplete information on their credit reports and that credit reporting agencies must investigate and respond within 30 days of receiving a dispute. My dispute letter was sent to Equifax on XX/XX/2023, and as of today 's date, more than [ number of days ] have passed without any acknowledgment or response from their end. 

I have taken all necessary steps to ensure the accuracy of my credit report, and I am greatly concerned that Equifax 's lack of response not only violates the FCRA credit rule but also jeopardizes my ability to maintain a fair and accurate credit profile. This situation has caused me undue stress and uncertainty about the accuracy of my credit report, and I feel that my consumer rights have been undermined. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax adheres to the FCRA credit rule and promptly addresses my dispute. I urge you to investigate this issue and take appropriate action to rectify the situation. 

Enclosed with this letter are copies of the dispute letter I sent to Equifax, as well as proof of delivery and any relevant documentation. I appreciate your attention to this matter and your assistance in resolving this dispute in a timely manner. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and confirmation that Equifax has complied with the FCRA credit rule. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (CA)

I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I have unauthorized transactions all the time from chase. This time I had unauthorized XXXX transactions in which I reported. They are denying my claim which is around {$1200.00}. These transactions do not make sense as its different amount of XXXX sent to another person. I do not know what I am supposed to do and need help for this to come to a resolution.
Consumer complaint received 2023-12-23
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)

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX credit card in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Consumer complaint received 2023-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (FL)

I wired XXXX  XXXX from my bank account at XXXX - XXXX XXXX ( XXXX ) to my bank account at CHASE ( XXXX ). The amount was sent on XXXX, XXXX  and was received on XXXX, XXXX. 
According to the official exchange rate ( XXXX  was oscillating around XXXX ) I should have received approx. {$21000.00}, while I only received {$20000.00} ; while the XXXX exchange rate was oscillating around XXXX, my money was changed at XXXX ( 2.5 % lower than the official rate ). I called CHASE Customer Service in order to rectify the transaction, however the associate replied that the exchange rate is automatically calculated and nothing could be done about that. Therefore I made an appointment with an associate at CHASE local branch, XXXX XXXX, who understand my question and called the headquarters from his office. Again, I was explained from a different representative that the exchange rate is automatically calculated, however she could not explain the notable difference from the official rate and the rate that was used. I asked to escalate my complaint and, after speaking to three more specialists, I was finally answered by supervisor XXXX XXXX XXXX XXXX, who explained that the originating bank ( not the receiving bank ) was responsible for deciding the exchange rate. I respectfully ask her to put that statement on paper so that I could contact the originating bank, however she answered that she was unable to do so. I expressed my disappointment and told her that I would take my complaint to CFPB. I already paid two fees for the transaction ( XXXX  XXXX to the originating bank and XXXX XXXX to the receiver ) : I shouldn't be " taxed '' using a manipulated exchange rate.
Consumer complaint received 2023-09-23
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. (CA)

NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ZIP CODE XXXX You are in Direct Violatin of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX, XXXX, late payment dates are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX late payment date XX/XX/XXXX ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instractions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-12-23
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA XXXX, 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 : XX/XX/XXXXXX/XX/year>
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}.
Consumer complaint received 2023-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MD)

Noticed a collection on my credit report. I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract. In addition, upon checking, the name on the account is not mine. I beleive I was the victim of identity theft.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (DE)

Hello, I recently applied for a CHASE Sapphire card. The application pended for XXXX verification. CHASE wants to reverify my DOB and Address. It's very odd since I am already a customer. 

Regardless, I sent in the required documents. I just received a letter stating that the documents were not sufficient. I sent in a copy of my drivers license and my marriage certificate. That should be more than enough to verify my name, DOB, and address. 

Can someone competent please review my application and documents I sent in and move forward with the application process? 

Also, my name is not XXXX XXXX XXXX. It's just XXXX XXXX ( middle initial XXXX ). A long time ago I called into CHASE 's servicing call center - the rep kept calling me XXXX, and the next thing you know my name was changed. Can you please update my name to reflect accurately as XXXX XXXX XXXX?
Consumer complaint received 2023-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I downloaded a payoff letter from Mohela and mailed a check on XX/XX/14 to the XXXX XXXX address listed on my payoff letter. 

Mohela cashed my check for {$15000.00} on XXXX XXXX ( Please note that the amount I sent is actually different from the payoff because I mis-wrote the check and owe them about another {$90.00}. ) I have uploaded my bank 's evidence that they have cashed the check. The transaction number is listed on the letter, and it specifically states that the transaction is MOHELA. 

I have called them twice, I have uploaded evidence of the payment, and the payment is still not credited to my account. I reached out to them two additional times via the portal. Further, they have charged me interest on my full balance. 

I have also filed a complaint with Student Aid. I don't know what else to do at this point.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the account.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked for information proving that some accounts belong to me as well as some hard inquiries that Im unaware of. I am just now looking at my credit card and realize that its a lot wrong. I have sent letters and letters for months. I never get my proof only that theyve updated the account.
Consumer complaint received 2023-09-23
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$690.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.