davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 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 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

During the time frame of XX/XX/2023 and XX/XX/2023 i applied for a mortgage loan while shopping for mortgage rates. My credit was pulled multiple times by the same company ( XXXX XXXX ) and those inquiries have all counts as separate inquiries although they were made within the XXXX day window and should have only been counted as XXXX inquiry. My credit report shows XXXX separate inquiries within that time frame and has caused my credit and XXXX  score to drop significantly and prevents me from obtaining fair credit by staying i have too many hard inquiries on my report and is considered excessive credit seeking. I would like these inquiries consolidated and the additional inquiries from this company within those XXXX days removed from my credit report. I was told by the credit reporting agency representative that these inquiries all count as separate attempts however, and my request and dispute has been denied.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

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.

has violated my rights. Or a 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 2023-12-27
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. (TX)

These is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX They are being reported incorrectly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Approximately on XX/XX/ I went to purchase some food using my citi bank card and it was declined. I immediately called citi bank to find out why it was declined and customer service was rude and hung up on me without any explanation. Then I called the fraud dept and they told me that my acct was being investigated ( for what I have no idea ) and they wouldn't tell me why, so I demanded to talk the supervisor and he proceeded to tell me that all investigations are handed by the 'backroom ' and that I would get a letter in the mail stating why my acct was closed and that it would take 60 to 90 days after the investigation for them to release my money. Keep in mind I never had overdrawn nor had a check bounce. I then called Citi bank main branch and asked if I can get my money. They told me if the fraud dept posted a note next to my acct they would let me withdraw my funds. So I called the dept and they wouldn't post it. I demanded to know why they did this and why wouldn't they work with me ( cause I haven't done anything wrong ) they hung up again. I called them again and told them that I can't go without any money for 60 to 90 days, that I have bills to pay, XXXX is around the corner, ect. It didn't seem to matter they just said I had to wait the 60 to 90 days. I don't understand why they closed my acct they won't tell me anything, I haven't gotten any letter from citi bank stating why it was closed. I can't access my acct with my mobile app. I have over XXXX in my acct and I can't even get gas in my car and I haven't done a XXXX thing wrong.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-12-04
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: GOLDMAN SACHS BANK USA (NY)

Made a purchase on Apple Card on XX/XX/2023 in the amount of {$71.00} in which no product was ever received. I tried to order frozen seafood from XXXX which was promoted on the XXXX website. After placing order and receiving no receipt or shipping info I reached out to vendor and never received any response. The " XXXX '' website has since been taken offline. 
I submitted a transaction dispute to Apple/Goldman Sachs which stated that I never received any communication nor product from the vendor along with multiple screenshots of other users reporting issues with this vendor. A XXXX search will show that this vendor is indeed a scam, see : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # XXXX & XXXX Goldman continues to reject this claim and submission as a fraud claim even though they openly admit they have received NOTHING FROM THE VENDOR to support their claims. I have invested HOURS of my time calling and emailing Apple aka Goldman Sachs and have gone in circles as their customer service agents aren't empowered to do anything and it's an endless game of circles. I recently saw a news report in XXXX XXXX XXXX that mentioned CFPB investigating similar Goldman practices and wanted to submit this complaint as my personal experience exactly mirrors the allegations in that article. 

As of today, XX/XX/2023 I am still trying to resolve this transaction dispute 6 months later from XXXX. In my XXXX years being a credit card holder I have never experienced this level of difficulty in working with a credit card provider. It is clear that Goldman has zero intention of protecting the consumer and has done XXXX to investigate my claim on the fraudulent vendor side -- they are obviously rubber stamping all of the charges and making it impossible for the consumer to remedy. 

I am asking for the CFPB 's help in resolving this dispute. Thank you for your time.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-19
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. (AZ)

Transunion is reporting a fraudulent account from XXXX XXXX on my credit report. On XXXX XXXX, 2024, I demanded validation of this debt, made according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( 8 ) ( FDCPA ), along with the corresponding federal, state, and state laws. 

TransUnion did not conduct a proper investigation or thoroughly validate the information provided by XXXX. They only responded that it was a valid debt. This is impossible as this account was not opened by me or authorized by me to be opened. 

On XXXX XXXX, 2024, I sent a method of verification letter to Transunion per the FCRA section 611 and demanded items to validate the debt. Transunion provided no validation and or proof that this debt is mine.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

Over the past six months, I've been trying to fix the incorrect personal information on my Nelnet to put myself into student loan repayment. 

I graduated in XX/XX/XXXX ; however, my Nelnet account says that I am currently in school and will graduate in XX/XX/XXXX, which is incorrect. As a result, I am in in-school status and am unable to make qualifying payments for PSLF. 

I first attempted to resolve this situation in XX/XX/XXXX by calling Nelnet. Unfortunately, I was unable to reach a representative the first XXXX times that I called due to hours-long wait times. As a result, I wasn't able to reach a human being on the telephone until XX/XX/XXXX. When I did finally reach a representative, she had no idea how to effectively fix this issue, and instead suggested that I call the university that I graduated from, XXXX University, to see if they had submitted the correct paperwork documenting my graduation. 

I called XXXX and received confirmation from the XXXX XXXX XXXX XXXX XXXX that they had submitted the document recording my graduation twice ( once in XXXX and once in XXXX of XXXX ) to the federal office that oversees the distribution of these forms. I then attempted to call Nelnet back which - once again - took weeks, due to the hours-long wait times. In XX/XX/XXXX, I found the time to sit on hold for XXXX hours and reached a human representative, who told me that I should wait for the situation to rectify itself instead of making payments on my loan while an incorrect in-school status. 

Because of Nelnet 's negligence, I have yet to be put into an administrative pause which is allowing incorrect interest to accrue on my principle balance.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights and are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2023, the credit reporting bureau XXXX Equifax XXXX acknowledged that there were in receipt of my dispute and were still working on the issues. On XX/XX/2023, I checked my credit report and the above accounts still reflect as a negative mark on my credit report. 
Again this is a violation of my rights under the FCRA 15 U.S.C. 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; also states that the consumer reporting agency can not furnish an account without my written instructions. 

In my initial request to the credit reporting bureau on XX/XX/2023 ; I requested that the agency provide me proof of my written consent for the accounts listed above to be furnished. I specifically asked for the original contracts and signature, and proof within that documentation that states Im consenting for this information to be furnished. 
As of XX/XX/2023 ; I was never provided that information for any of the accounts referenced above. The inaccurate accounts are doing damage to my credit rating and I demand the accounts to be deleted from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this request. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and noticed some inaccuracies. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their agility with maximum accuracy. I was not 120 days late on the account ( XXXX ) in XXXX of 2020 as reported by XXXX. The second error is the Past Due Balance on this account is incorrect and should reflect {$0.00}. Please investigate and provide proof of the inaccuracies that have been reported. If proof can not be provided, I demand that this information be updated or the account be removed from my credit report. Thanks, Please see attached.
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXX/XX/2022
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both XXXX and Transunion, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.