davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I disputed an incorrect collection account on Equifax.com on XX/XX/2023 and the investigation was completed on XX/XX/2023. Equifax claims that it was reported correctly, but it was not and is still incorrect. The amount and date of first delinquency are both incorrect. This is also a medical debt that is under {$500.00} and I was under the impression that this type of debt would no longer be included on credit reports, according to the XXXX  website, " In the first half of XXXX, Equifax, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. '' and this debt was reported on XX/XX/2023 so I do not understand why it is being included.
Consumer complaint received 2023-08-31
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. (WI)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-24
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX  and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NC)

This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that NRA Group LLC comply with the CFBP executive order & delete this alleged medical debt from my consumer report immediately. Failure to comply with the executive order may result in legal action pursuant to 15 USC 1692k for non-compliance.
Consumer complaint received 2023-12-24
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion has reported erroneous information from creditor XXXX XXXX for {$32.00}. 
Despite providing information to TransUnion that the 4X and years of recalcitrance, I need help from your agency to adhere the FCRA laws. I also paid them on XX/XX/2023 and it still shows as a debt. It has been incorrect for years. Its only {$32.00}. It need to be deleted. I have all documents uploaded. Please help me in anyway you can.
Consumer complaint received 2018-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX i purchased a XXXX XXXX  from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.
Consumer complaint received 2023-04-20
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. (NY)

I appreciate you making the effort to remove and update some of the data on my credit report, but there are still some items that need to be deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX, XXXX XXXXXX/XX/2021
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, XXXX, Equifax, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.
Consumer complaint received 2023-09-23
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

Be advised this is my last attempt to secure my LexisNexis consumer report that Im entitled to under 15 U.S.C. 1681 et seq.

Ive provided you with all the required identification documentation requested, only to continue receiving your moronic boilerplate letters, which Ive attached. 

I need my consumer report by XX/XX/XXXX, or a proper and justified complaint will be filed with the CFPB.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (UT)

There was so little time in between the release of new information about the new student loan repayment plans and the deadline for requesting refunds for payments made during forbearance that Nelnet was not able to keep up with the extremely high number of calls from people requesting refunds. Therefore numerous people were left on hold for hours on XX/XX/XXXX and were unable to get through to request the refund on time.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 usc 6802-6805 my information is not supposed to be released and they are to provide proof of claim also i want to know who gave my information.1099c is an certificate of indebtedness which is now income which can't be reported on my credit reports please update to paid as agree or delete. As a federally protected consumer iam opting out of any and all authorization i the consumer may have given you written and unwritten verbal nonverbal per 15usc 6802. 15usc 1681 please update chargeoff to paid as agreed
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

I've been encountering numerous issues with Amex recently, primarily concerning duplicate charges for which I am fairly certain Amex is at fault. They have billed me twice for the same transaction, even for transactions from the previous statement that I had already paid off. Despite presenting evidence to Amex and engaging in discussions with numerous representatives, I finally spoke with a supervisor who assured me that she would initiate disputes for these duplicate transactions. However, it has been a month, and the charges are still under investigation. Just a few days ago, I made two new transactions, and yet again, Amex duplicated the charges, billing me for a total of four transactions. I find this situation with Amex extremely frustrating at the moment.
Consumer complaint received 2024-04-21
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact, paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX ) I am now requesting you investigate and provide verifiable proof with records showing that I had a late payments. If this information can not be verified and demand these payments be updated to paid on time immediately. Thank you for your understanding and action.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-24
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. (SC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Student loan forgiven and received letter from XXXX. When I sign into dept of Ed and XXXX my balance is XXXX. Disputed with all credit bureaus and they send back results showing still have balance of XXXX on my credit report. I need this updated to XXXX balance please.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (CA)

Verve credit card I have a verve credit card with a {$1000.00} limit with Continental Finance, I have had this account for 1 year, and I pay {$35.00} a month through automated payments set up through my bank checking account. I have never been late making a payment. On XX/XX/XXXX, Continental Finance made an unauthorized deduction from my bank account for {$130.00}, instead of the {$35.00} i normally pay. XX/XX/XXXX {$170.00} was deducted from my bank account without my authorization. I called Continental Finance and they said that I had a late payment so they deducted {$130.00}. I filed a complaint to the XXXX XXXX XXXX  On XX/XX/XXXX I received an email from Continental Finance, stating that if i pay 75 % of my bill of {$740.00} they will close out my account and my bill will be resolved, and I had to respond by XXXX  and If I did not respond to their offer then {$200.00} would be deducted from my bank account as a regular payment and my account would stay open..I responded before the deadline and agreed to pay off my credit card balance and I told them I would pay {$270.00} in 2 payments for a total of {$550.00}, by the deadline of XXXX XXXX XXXX XXXX XXXX  they made an unauthorized deduction of {$200.00} from my bank account. I called Continental Finance and told them we had an agreement and they were not supposed to deduct any money from my bank account, and I also asked about the amount owed because the email they sent me said stated my balance was {$740.00} but my credit card statements said I owed {$540.00} for the month of XX/XX/XXXX. I asked them to send me an email confirming the agreement that we made and also with the correct amount I still owe. The person ( XXXX ) told me that my account was already closed so he couldnt send me an email. I checked my account online and it was still open and I never received any notice stating my account was closed. I did receive a letter in the mail saying there was suspicious activity on my account so they had to cancel my credit card. I have not used that card at all for over 6 months or more, but my XX/XX/XXXX statement shows a transaction made for {$41.00} but it doesnt show where or what exact date of the transaction. 
I have paid this credit card in full already, I do not owe any money, but they keep adding fraudulent charges to my credit card account and deducting unauthorized money from my bank account. I want this account resolved with a XXXX balance and closed. On my statement for XX/XX/XXXX and XX/XX/XXXX it shows {$0.00} credit available but online it shows {$1000.00} credit, I do not have any credit card statements reflecting the amount of {$740.00} owed as stated in the email I received from them XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I was on vacation and I checked my email on XX/XX/23. There was a survey from Kohls saying if I filled it out I would get a XXXX XXXX XXXX set. I did and they said I had to pay {$5.00} shipping. I gave my Capital One credit card number. I received a text from Capital One asking if I had authorized it and I replied yes. Once I was home and checked on my computer I realized it was a scam. I then checked my credit card charges online on XX/XX/23 and see a pending charge of {$71.00}. I immediately called Capital One to cancel this but they would not. I said it was pending still but they refused because I had authorized a charge in the past and they would cancel the card and mail a new one. I told them I did not want a new one and to cancel my account. 
I don't know if it is related but now I can't send or receive personal emails, businesses still get through.
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent letters to the credit bureaus on XX/XX/23, XX/XX/23 and XX/XX/23 and received no responses, in regard to my disputes. There is inaccurate information and accounts that are not mine, reporting on my credit report and the credit bureaus have not upheld my rights as a consumer by investigating my disputes and making the corrections to my credit report as I have asked them to.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am attaching my report I am not thrilled about how XXXX Transunion and XXXX have attacked me they need to update and fix info that is not accurate on my report Im attaching that info there is accounts on my credit that are over 7 years old that need to come off Im not allowing the bureaus to ruin my score with false info any longer Im also contacting department of justice and XXXX XXXX is a fraudulent account that needs to come off
Consumer complaint received 2023-10-30
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. (MI)

I have inquires that I do not recongize and which are not attached to an open account. I have filed an FTC report. I would these removed immediately. 
The inquires which I do not recognize are as follows : 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 2017-05-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (OK)

Chase/JP Morgan  is the worst bank I have ever used. I have been a customer of the bank in my local area since   XXXX  . I have my business account there. Recently I deposited a Cashiers Check to bring my account up in order to pay some bills. The deposit funds were from another bank in the area that I also use for my business account..     I was informed that the bank would place a hold on the check for 10 days. When I explained that it was for bill payment, I was met with indifference, rudeness, and complete lack of concern. Of course, if my account had non sufficient funds due to their " policies '', I would be subject to fees and penalties.     I have had many other instances of this type with Chase Bank, and have not ever sent in a complaint before. But I am so angry over their intransigence and lack of customer support, I am closing my account and taking my business elsewhere. The large banks, the ones " too big to fail '' have become the small custo mers enemy.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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.