davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (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  own 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 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2024-01-11
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)

The below accounts are not mine. I already notified the three bureaus and they have not responded. It has been over 90 days. 

XXXX XXXX XXXX Opened XXXX {$120.00} XXXX XXXX Opened XXXX {$290.00} XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX EXTRA Closed on XX/XX/XXXX My Identity Theft Report reference number is XXXX and my police report number is XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NV)

I made a transaction on XX/XX/XXXX  with XXXX, which is still showing a pending/authorization of {$10.00}. Goldman Sachs/Apple card did NOT void out this transaction after 30 days since it was NOT captured/posted by the vendor XXXX 

This is an error on the system for apple card, but the card company refuses to make adjustment to my card. I have called 5 times and used their online chat 3 times. I have also asked to escalate my issue for technical help. 

My card is showing a balance that I can not pay because it is " pending '', which will carry over as a statement balance at the end of XXXX to XXXX. This will affect my credit score. 

If Apple card would just " void '' this pending transaction, my balance would be {$0.00}. There would be NO money owed and I would not have a balance carried. 

I am negatively impacted because of improper software and CS help from Apple card.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (VA)

I have been banking with Chime for a while now and I use that as my primary bank but I also have a XXXX XXXX XXXX that is linked to my bank accounts so on occasions in appear that there is a lot of activity on my account, but that is just me using both of my accounts as I dont like to list my time primary card on websites to prevent from theft. 

Anyhow, I woke up one morning to my account being completely closed with over {$19000.00} in the account with no access to the account. No one is providing me any solid information. Ive been getting the runaround so Im saying that I can open my account again some saying that I can not I have also provided them documentations verified documents, transactions, IDs everything with no solid response is just Automatic responses told verbatim either through a automatic device or through script reader with no actual assistance that can assist me at the time rent being due with XXXX  kids, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not expecting to wake up to my account being closed and not being able access my funds has caused a lot of stress every time I call chime they are unable able to have any clear answer on the decision made I get 10 different things every time I call in. Again I have even provided documentation to re-open my account or even expedite my check.
Consumer complaint received 2024-04-29
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. After thoroughly reviewing my credit report, I have identified unauthorized and fraudulent entries that are negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 
I understand that, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. The presence of these fraudulent accounts is not only damaging my credit score but is also a violation of my rights as a consumer. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (KY)

EdFinancial has been a nightmare from day one. Response times for critical issues are abysmal. The servicer was to provide me with a statement showing particular information to provide to my employer program for repayment benefits. {$100.00} a month in student loan repayment assistance. An account number was provided about a month or so after request and provided to my employer. Once payments were started to be remitted beginning in XXXX, the ACH would clear, but payments were not applied to my account. I had to manually email servicer a copy of the ACH information to apply to my balances. Email correspondence took weeks for a return, and the funds were applied almost 2 months later. This continued, after repeated requests to update any issues that may be causing this, 4 additional times. Only in XXXX did the servicer relay that through the transition to a new online platform they had changed my account number. From XXXX to XXXX, multiple requests were made to attempt to correct issues they were having. Once the new account number was provided, I provided to my employer, and now I await XXXX test run to determine if it will be applied accordingly. 

However, a new and more pressing issue has presented itself. When repayment was slated to resume, I took it upon myself to explore my options. Through the urging of the government and this servicer, I used a tool that helped me determine if an IDR plan was appropriate. After several turns on the student loan site, it was determined that a more appropriate payment option was a graduated payment plan, and I began making payments as soon as payments resumed. Well, this past Saturday, I received an email stating that my IDR application was approved and my new payment would be almost double what it was in my graduated plan. Not only that, but the payment would be withdrawn from my account in 8 days when my next payment was due. As this was not acceptable, I tried to go online to switch back to a graduated plan. This feature was unavailable, and suggested that I contact them to change. As they arent open on Saturday, I had to wait until Monday. On Monday, I tried all methods of contact only to find that their phones were perpetually giving a busy signal. So I tried a chat, and it was only alluding to using the repayment tool to change my plan, and it was again unavailable to my specific situation. Throughout the day, no phone call was possible, and the only option remained an email, which has an unreliable timeline of response. So not only was I given almost no notice of a repayment change, I was given no opportunity to rectify this MISTAKE before it had a monetary impact on me. I believe this servicer to be in direct violation of a number of consumer protections and am increasingly concerned of how my accounts will be handled in the future.
Consumer complaint received 2024-01-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-29
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)

There was an FTC report filed in XXXX of XXXX, and last month I sent an updated letter to TransUnion to inform them that the unauthorized inquiries that were included in the FTC report over 9 months ago are still reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to convey my deep distress and growing frustration regarding the persistent denial of my identity theft claim by your bureau, despite diligently following the steps and procedures you have instructed. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Identity theft is a crime that wreaks havoc on the lives of its victims. It not only jeopardizes financial security but also causes immense emotional distress. To have my identity theft claims repeatedly denied, despite my compliance with your requirements, adds an extra layer of anguish to an already difficult situation. I want to remind your bureau that the processes you have established are meant to protect consumers like me from the devastating consequences of identity theft. Continuously refusing to acknowledge my claim contradicts the very purpose of these processes. 
I implore your bureau to recognize the urgency of this matter and the severe emotional distress it has caused. I have followed your instructions diligently and have submitted all necessary documentation. I have a right to a thorough and fair investigation of my identity theft claim.
Consumer complaint received 2024-01-11
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Hello, my company will be against the credit reporting agency Transunion specifically, but I think that all of the credit reporting agencies should be investigated. I would like to know why they have to drop consumers points by a ridiculous amount a lot of the time? Sometimes for minor things! I think that the points system should be explained much better to all consumers. Please Help!
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These Credit Reporting Agencies have refused to give me an updated report despite my requests, They continue to report old and unverified information on my report even though I've sent compliance letters to them on numerous occasions to fix the problem.
Consumer complaint received 2023-03-13
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: WATERMARK CAPITAL, INC. (CA)

This is my third attempt to correct this issue through CFPB. Each time Im told by watermark that theyve corrected the error but the issue is STILL not fixed. Ive contacted them directly since XX/XX/2022 several times with no resolve which is why I turned to CFPB. My mortgage was transferred to watermark in XX/XX/2022 it was supposed to take 60 days for credit reporting to update. It did update on XXXX and XXXX but NOT on XXXX. The first CFPB complaint watermark stated they contacted XXXX and it would report in 30 days, 30 days passed and no update. I submitted a second complaint with CFPB, watermark responded it can take 60 days this time. This is my third complaint through CFPB, Im hoping this time they will FINALLY resolve the issue and have my mortgage report to XXXX
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (MI)

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 # XXXX and 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 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The take the amount out of my available balance. Once my account is refunded they change the dates but not the amount available. They change dates to justify the amount available. They available balance and deposits are not dated correctly. I feel like another of the amounts credited to my account get lost. They do not reflect correctly on my amount available. They try to say it's a a hold but they don't take it out of my account. But yet they do take it out of my available balance and never credited back to reflect to refunds. They change the dates and they do not correspond correctly. I've made several attempts to contact and correct it. But they say it's policy.
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-11
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. (VA)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, XXXX, and Transunion, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.