davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  ( Account # 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AZ)

In XX/XX/2023, Nelnet reported my loans to credit reporting agencies, at the time these balances were correct and accurately reflected on my report ( XXXX in loans ). My student loans were transferred from Nelnet to XXXX in XX/XX/2023. During this time, the balances of the student loans were effectively reported twice, once by XXXX and once by Nelnet ( so showing double the balance due ) on my credit reports. I didn't worry about this too much because I figured the Nelnet balances would drop off eventually, since they were no longer the servicer for my student loans ( loans transferred ). Fast forward to XXXX months later, and the balances from Nelnet are still showing on my credit report. My student loans have since been paid in full to XXXX. XXXX has reported the balances as XXXX, but because Nelnet has not updated the report, my reports are showing that I still have XXXX in student loan debt when I actually do not. I reported this to Nelnet in XX/XX/2023, and they sent me a letter saying they completed an investigation and that the report was correct. I also reported this to credit reporting agencies in XX/XX/2023, and they also contacted Nelnet who said the account was correct. I do not know who to turn to get my credit updated accurately. If you search this problem on the internet you'll find that there are many many other people in this exact same predicament. This should not be this hard, and there should not be so much pushback from student loan servicers. My loans have been transferred from servicer to service XXXX times before and I have never had this issue with other servicers, instead of showing a balance the last status is transferred ( so the balance isn't counted twice ).
Consumer complaint received 2023-12-29
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. (VA)

Dear CFPB, I'm writing to update you on my ongoing credit report dispute with Equifax, XXXX and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified. 

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
Consumer complaint received 2018-08-03
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

American Express XXXX XXXX I called American Express and explain I had fraud on my account and because I was not paying the account because of the fraud I was waiting for the police report. They close my 2 account and took me to court and list my account in the credit bureaus as a negatively charge off. This charge is all fraudulent, but they would not answer or return any of my calls. I was with this company since XX/XX/2001 never late had no problems always paid on time. I need these charges remove of account and restored my account to full balance. The contract signed states Im not to be held reliable for fraudulent charges. Please provided a clear explanation and evidence of your decision. This account became fraudulent when my spouse that worked for XXXX XXXX past the same day my father past. I could not cope by myself in XXXX, so I move to XXXX XXXX to be close to family for support. My house in XXXX  was broken into and the police contracted me to let me know of the situation a lot was stolen including my identity among things. DMV have informed me that there are 2 other individuals in XXXX XXXX  has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the company can request a copy of the information and they will send it to them directly.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> at exactly XXXXXXXX XXXX XXXXXXXX, I went to a Chase ATM to deposit {$1000.00} USD for my Rent like I always have for the past 4 years. The ATM machine prompted me to insert my cash after I input my details. The ATM Machine then proceeded to take my neat and straightened Bills and freeze with my deposit still inside of it. After waiting for approximately 3 Minutes, the ATM began counting the bills and gave me a red error message saying the deposit didnt go through. The ATM printed a receipt prompting me to call Chase to confirm my deposit of {$1000.00} USD went through. I called Chase and they began their investigation. 5 days later I called again and they said to me that the money wasnt found. I asked how can that be possible when Camera footage exists, they denied my claim but offered to look into it again. After reopening and investigating for another additional day, they had denied my claim and insist the money doesnt exist.
Consumer complaint received 2017-12-18
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: EQUIFAX, INC. (KY)

I submitted a dispute on XXXX/XXXX/XXXX in regards to some inquires on my report that I did not initiate. The same day Equifax sent me a response saying that the inquires were all valid. I had at least 10 Inquires that I disputed and I know that in one day they did not verify them all. I also have never signed anything or gave consent on any of these inquires and there is a fraud alert placed on my account due to someone trying to get credit in my name fraudulently. I am upset because Equifax did not investigate these items and there is no way they verified them all accurately in one day. I feel that they just tried to feed me some XXXX, thinking that i would just accept it. I mean they did not even wait the 30 day period they normally take to investigate. They just sent me my dispute back the same day saying it was verified which i know for a fact is wrong because i have not signed or authorized anything with these companies!
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

Two identical fraudulent transactions in the amount of {$260.00} each were made within minutes of each other from my PayPal issued Mastercard debit card out of the XXXX from the 'XXXX  '. I have attempted to rectify this with PayPal and they have denied my claim now on three separate occasions. They're reasoning is that since the funds were available then it could not have been fraud. Which is the most absurd display of incompetency I have ever witnessed.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (KY)

I received a statement for XXXX for an online savings account with Marcus. I called the company and told them I did not open this account. They said they would close it. I received a letter dated XX/XX/2024 telling me to fund my account. I thought it may have been mailed before I requested the account closed so I waited. In XXXX, I received a statement for XXXX showing the account still open. Even though it has a XXXX balance, I do not like knowing someone has opened an account in my name. I'm wondering what Marcus is intending to do with this fraudulent account and why they will not close it.
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as : XXXX XXXX - XXXX
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have asked Truist several times who owns my loan? Are they just the servicer or has it been sold at any time Since XXXX? I have even sent this is a written form and have never received an answer to this question. What is there role in my mortgage? What are there responsibilities when it comes to my loan process? Do they own my loan? Loan number XXXX
Consumer complaint received 2023-11-16
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)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-29
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. (NJ)

I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. 

Despite explicit requests for reinvestigation directed at Equifax regarding the following accounts : XXXX : XXXX, XXXX : XXXX,, their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. 

Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. 

The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. 

These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. 

Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. 

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2023-11-16
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. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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: TOYOTA MOTOR CREDIT CORPORATION (WI)

According to the IRS an unpaid Charge off is income and According to the FCRA income Cant be reported on a Credit report. Im Requesting a 1099-c ( Cancellation of Debt From the following Charged off account listed below. Toyota Motor Credit financial Account # XXXX. After Calling and speaking to both Partys both stated that the account was sold to XXXX XXXX. This Account cant be reported if the account was sold to another Lender. Please send the 1099-c Form please.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MI)

I purchased a product from XXXX and used Affirm for the payments on XX/XX/23. This account was paid in full on XX/XX/23. I reached out to Affirm on XX/XX/23 because this account is reported to credit bureaus as delinquent and has been paid in full. I requested they change the status of the account to no longer being delinquent and they refused.
Consumer complaint received 2023-08-01
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. (AR)

I had 2 reportings on my credit report the month of XXXX for XXXX XXXX bank and XXXXXXXX XXXX  that are incorrect. I did not reach out to either of these banks for anything.
Consumer complaint received 2024-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NV)

I am making a complaint about XXXX XXXX on XX/XX/XXXX, I received an email saying that I can pay off my loan for a lesser amount to get my title. The original loan amount was XXXX I was told I could pay XXXX to receive my title, and be released from any loan obligations and my credit would show a balance of paid in full. On XX/XX/XXXX of XXXX I unfortunately was in a car crash on XX/XX/XXXX of XXXX, My car was declared a total loss. On XX/XX/XXXX, I called XXXX XXXX and was told I had a remaining balance of XXXX  by the XXXX XXXX representative, I made the following transactions XXXX at XXXX XXXX, XXXX XXXX XXXX  and the XXXX  payment XXXX at XXXX am, I had called to talk with my personal advisor XXXX around XXXX XXXX, I was told my XXXX my obligation was fulfilled and she will expedite it, so my insurance payout would not be touched, my credit will be updated within XXXX XXXX  days, I could not received a confirmation email, I would receive something in the mail within XXXX XXXX days! On XX/XX/XXXX my insurance general paid XXXX XXXX XXXX, it cleared on XXXX/XXXX/XXXX since I had paid off my obligation a XXXX  prior, and was assured that my insurance payout would not be touched, XXXX should have not accepted anything from my insurance, the general! I don't know if it was a system glitch! On Friday XX/XX/XXXX at XXXX I had called XXXX to ask them why it was taking so long for them to send the money back to the general! I was told that they would be keeping a portion of my insurance payout and I would receive my last payment back of XXXX in the form of a gift card by crystals supervisor, who said on XXXX  XXXX XXXX he would call me back with XXXX but that never happend! I did call XXXX back on XXXX XX/XX/XXXX when I asked to be transferred I was told to write an email which I did and never got a response back! XXXX XXXX claims my insurance paid them on XXXX XXXX and it cleared on XXXX XXXX canceling out the payout offer! I have proof stating otherwise from my insurance company and my insurance could not have paid them XXXX  days after my accident because it wasn't declared a loss until XXXX XXXX. XXXX XXXX is still reporting on my credit the amount of XXXX as of XXXX XXXX, it only lowered to amount reflecting my last XXXX payments in XXXX and XXXX!
Consumer complaint received 2021-01-21
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: JPMORGAN CHASE & CO. (RI)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-10-09
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX, I transferred {$1600.00} from my PayPal account to my bank. The transfer was recorded by my bank on XX/XX/XXXX but on XX/XX/XXXX this transfer was automatically reversed by the bank due to an account number discrepancy that prevented the bank from accepting the transfer. This can be seen in the attached screenshot from my bank records. The funds have not been returned to my PayPal account nor have they been credited to my bank account. At this time, these funds are missing. I have used the facilities provided by PayPal to resolve this issue. I opened a case with PayPal on XX/XX/XXXX. That case number is XXXX XXXX My case and subsequent appeal has been denied as PayPal has determined that the initial transfer transaction appears to have been completed successfully. 

On XXXX XXXX, XXXX I obtained the XXXX reversal transaction trace ID from my bank. That number is XXXX. That same day, XX/XX/XXXX, I provided PayPal with this information with the request that they trace the transfer to determine what has happened with the funds. It appears that PayPal did not take investigative action with respect to the additional information I provided nor did I receive any correspondence or contact from PayPal to further clarify the specifics of my case. The additional information I provided was specifically related to the trace number ( # XXXX ) provided by my bank to facilitate research of my banks reversal transaction transferring funds back to PayPal. Funds which have not yet been credited back to my PayPal account.

With regard to submitting issues to PayPal through their on-line facilities, I am limited to reporting problems related to transactions initiated from my PayPal account however,
my issue is with a bank reversal transaction initiated by my bank. I have no way of identifying this type of transaction from within PayPal 's resolution center. Additionally, I only had one opportunity to appeal or dispute PayPal 's determination and there are no other ways to escalate my case that I have found.