davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (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. 

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 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (FL)

XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
Consumer complaint received 2024-02-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I had a XXXX Credit card bill that was due on XX/XX/year> for a total of {$12.00}. I made the payment in FULL 2 days Prior to the due date. It was paid on XX/XX/year> confirmation # XXXX. 

I received no statement that was due on XX/XX/year> because there was a {$0.00} balance and no purchase was made. Now all of a sudden I get a bill for {$6.00} due XX/XX/year> for late fee and interest. 

The fees are incorrect because no late payment was made and no balance was carried to incur interest. They are trying to scam customers with small fees!
Consumer complaint received 2023-05-01
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: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (OH)

In accordance with The fair credit reporting act Total number of XXXX DEPT OF ED / XXXX accounts Closed on XX/XX/XXXX  has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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 instructions. This company was unable to furnish me with my original contract these accounts should not be reporting I have never attended school or signed up for any loans for college these accounts are not my accounts
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (TX)

I got robbed/scammed for a total of XXXX $ from a person that I have no idea who it is and doing 3 different payments at different times and dates without my knowledge so I tried to explain it to my bank but they couldnt help me
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NV)

I called to ask questions about the programs and was told that I had to be a student to get the information. I asked if it was a good program and the rep said that University XXXX XXXX has a contract or affiliation with the government for XXXX XXXX XXXX students. The graduation rate is over 85 %. Because I am low-income, I would not have to pay back the loan, unless I graduated with a diploma in my field. My starting salary would be over {$40000.00}. I also was told that I could cancel the contract after 30 days. The contract had to be signed that day. The contract was emailed to me at XXXX. I printed it, signed it and took it to the library to fax it. I was never able to cancel the contract. I filed a complaint against XXXX and Navient. XXXX finally sent me a copy of the contract. The contract XXXX sent had no signature, date of birth, driver 's license number and had the wrong email address. Navient had the lawsuit dismissed XX/XX/2018 for jurisdiction (? ) I couldn't really understand it. I only signed one contract, there are 7 loans. I don't know what else to do. I am still low-income and have no way to pay this loan back. I am a XXXX, on medicaid and section 8.I would like to try to make my life better but this loan is more than I can handle.
Consumer complaint received 2021-09-02
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: Atlanticus Services Corporation (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Nationstar Mortgage has violated my rightsthroughout the whole trying to save my home. I now have an auction date on my house. They never warned me that auction was a possibility and only gave me 60 days from posting date to actual sale. I have complained before about nationstar not trying to help and making mockery of XXXX foreclosure avoidance program. Some complaints not even answered and some had missed truths in them. I need to stop auction so I can save my home.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (CT)

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 : 1901, 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 2023-12-04
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. (TN)

I do not recognize these credit inquiries, and I have asked for them to be removed, and the Bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I want to inform you that these accounts were already deleted from XXXX since XX/XX/2023. Transunion and XXXX still contest that they were accurate and verified in their second investigation. I do not agree with their results. I know for sure that these accounts don't belong to me and I need them to remove these entries from my credit report right away.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc. (PA)

I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Dear CFPB, I initially submitted a complaint on XX/XX/XXXX ( complaint ID # XXXX ). It is apparent to me that Chime did not read my original complaint nor did the CFPB read my original complaint. First, Chime indicated that my checking account was opened on XX/XX/XXXX. But that date is not correct. I submitted documentation that my account was opened as early as XX/XX/XXXX. Second, Chime indicated that my funds were transferred to the XXXX XXXX XXXX  Unclaimed Property Division for safekeeping. But that is not true, I checked with the XXXX XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX Georgia do not have my funds. I believe that Chime is deliberately lying and stalling to keep my funds. My initial complaint is below and I would like for the CFPB to intervene again to help me get my money back from Chime as soon as possible. 

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XX/XX/XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 345 days since XX/XX/XXXX. Please see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XX/XX/XXXX. As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
Consumer complaint received 2023-12-04
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. (TX)

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, 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 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NJ)

I can not get ahold of a Mohela representative. There is no way to submit a complaint except by calling. I have called 5 times with hold times over 1 hour every time and unable to reach a representative. I have a job to maintain and can not keep this up. I am calling MOHELA to complain about the 90 day turn around time for the SAVE plan. Initially after applying I was given the timeline of 30 days for review. Three weeks later I received a notice of a turn around time of 90 days. I am being cheated out of Biden 's new SAVE Plan benefits meanwhile Mohela is reaping the benefits and I am forced to pay more than I should have. This is incredibly disorganized and chaotic. In the meantime, my interest is accruing and have already accrued over {$2000.00} since my application was submitted. Mohela is committing a crime. This means it will likely accrue to {$6000.00} of interest by the time Mohela gets around to processing my application, and that is {$6000.00} more that I should not have had to pay under Biden 's new plan.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  ACCOUNT NUMBER : XXXX, Account name : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I NEED THIS DELETED FROM MY CREDIT REPORT AS WELL AS THE HARD INQUIRIES BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I've recently reached out via certified mail to Experian, XXXX  and XXXX about providing validation for an U.S Bankruptcy Chapter XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and FDCA. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Consumer complaint received 2023-12-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX, XXXX and XXXX have 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.
Consumer complaint received 2018-11-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I XXXX XXXX never took a pay day loan it was about 3 to 5 years ago ... I never even had a checking account at the time at fifth third bank ... first of all my social security was in correct at it wasn't my bank account that they said it was ..I did not have bank account ..or even ..they called me saying they where bill collection that i own on a credit card ..they threat me ..I called the police which was XXXX Il police department ..They told not to worry about ..they told me if i had any more threats to give them a call ... they talk to my husband ... By the way I have an identity theft alert on my all three credit bureaus ... 
So i really dont know anything about this loan ..look up my name i never had an bank account at fifth third bank ..
Consumer complaint received 2018-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to chase Manhattan Bank, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted chae bank which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.