davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (MO)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$360.00}.
Consumer complaint received 2024-04-04
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. (OK)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

2 weeks ago I attempted to unfreeze my credit so my wife and I could make a purchase. The person at Experian barely spoke English and was unable to assist me with that task. My account was subsequently locked out and I was told to try again after 5 days. After the 5 days, I went on their website to try and establish an account that would allow me to take care of this myself, but the website will not allow my to do so. So I called again and spent another 1.5 hours with a very nice rep who tried very hard to correct this problem. Ultimately she was also unable to set up an account for me, and unable to get a live person on the phone who could. This is a credit reporting agency that by all appearances seem completely inept. A person 's credit history and report are vital to every American and their financial health. This company should be held accountable to the people who rely on them to do their job properly. In my opinion this situation is totally unacceptable.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paysend US LLC (CO)

On XX/XX/XXXX, {$950.00} was taken from me through a XXXX party app called Paysend. I had gotten an email from XXXX and clicked it. I had entered in my card number to receive {$10.00} but instead, {$950.00} was taken from me from a scammer. This purchase was unauthorized and I talked to my bank the same day it happened. I talked to them an hour after I noticed what had happened. They had sent me a provisional payment about XXXX weeks later but on XX/XX/XXXX, I got a letter in the mail explaining that my provisional payment would be revoked due to documentation from Paysend. I have reached out to my bank in attempt to understand what documentation this would be because overall, this purchase was unauthorized. I also reported the incident on the same day and upon looking up some information, I found multiple sites stating that the most they would be able to take from me is {$50.00}. When I called the bank, I couldnt get ahold of the right person after being on hold for XXXX hours and transferred multiple times. I have screenshots of the incident which is my documentation that the purchase is unauthorized.
Consumer complaint received 2023-10-03
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-04
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. (CT)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts and inquiries listed attached in this document are a result of identity theft. please remove!
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

Security Service is blaming the fraudulent transfer on my wife saying she deposited via mobile deposit ( 4 ) out of town checks just under the threshold that only a employee of the XXXX XXXX would be aware of and then making rapid withdrawals of {$3500.00} at XXXX and XXXX Security Service knows that transaction is fraudulent they know the company that printed the checks
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Finance CorporatioXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : ( XXXX ) ( LAST XXXX XXXX ) - GoodwillAdjustment for missed payment Account Number : XXXX Thank you for taking the time to read this letter. I have been a Capital One customer since XXXX of XXXX and during that time, I have enjoyed my experience greatly. I am writing this letter because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX on my CAPITAL ONE BANK USA account. 

I want you to know that I understand my financial obligations, and if it wasnt for me forgetting to update my account with my new card. I would have never missed the payment. I have an excellent repayment record. Since I opened the account with you guys three and a half years ago my record has been spotless. Its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. 

It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment for the month of XX/XX/XXXX. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2018-05-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a mortgage with XXXX XXXX  which was closed 10 years ago inXX/XX/XXXX.XX/XX/XXXX ...

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXXuntil XX/XX/XXXX.

This is incorrect as the mortgage was closed in XX/XX/XXXX.

When I called XXXX to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses.

This account should not be appearing on my credit reports.

The last date of Activity on my account with XXXX was in XX/XX/XXXX.
Consumer complaint received 2023-09-12
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. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I don't recognize a charge of {$2900.00} made through my XXXX account then I submitted a claim on XX/XX/2023. My bank of America credit card credited the correct amount while the investigation. Then I went to XXXX changed passwords, also noticed a case under review. Now, today XX/XX/2023 I noticed I was charged again for the same amount without any notification. I called bank of America for any letter, support documents or any other information but they don't have any. Now bank of America fraud department is opening the case again with XXXX to submit any information on why such decision. Also, I reached out to XXXX but they have not answered yet neither put any new documents. As in the picture the case looks under review. The charge comes from a software company, yet I believe I was saver from scams using reputable companies as Bank of America and XXXX. 

I hope I can recover the money back and trust again on Bank of America and XXXX, those financial institutions I used to care much.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

on Friday XX/XX/23 my phone alerted me to a transaction of {$100.00} which i quickly grabbed my phone to see what was going on and while in the process of turning off my phone another charge or the same amount attempted but I was able to block it via the chime app I then Immediately contacted chime because the alert was for an Atm cash withdrawl but all it said was XXXX XXXX XXXX I knew I did not make this transaction but was told I have to let it process then chime support will be able to tell me who what when etc. so on Sunday XXXX the transaction was no longer pending so i contacted them again and a dispute was opened I woke up at XXXX Monday morning to a denial email but zero information other than denied claim so i reached out to them again and of course to repeat the same action but this time was told they noted the account so that the investigation team will send all found details regarding this transaction well at XXXX this morning another denial but this time an attachment that shows the amount taken nothing further so i again i called back with XXXX simple request can you tell me where the money went or and ATM address at which they acknowledge they don't have that information but then how can you still say no error found its ridiculous
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CO)

I have been trying to log into Nelnet for the past 2 months and keep getting an error on my account. I can't get any information on my student loans and Nelnet will not respond to phone calls or emails.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (VA)

Greetings my name is XXXX XXXX  My Only Social Security number is XXXX My Address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
I am self-employed, I have a driving school. I train people how to drive. My credit is like around XXXX or it should be around XXXX or more with the 3 Credit beurres, XXXX, XXXX, and XXXX. But for some reasons each time there is information that is lowering on my credit appears not mind. it lowers my credit report for home buying. 
It refuses me credit most of the time. I got denied for credit cards and auto loans and home buying. I do not know what to do. it is a complication I have it is keeping me behind and not so much of credit I disserve more credit. please help with this matte email Guide me. 
thank you. 
XXXX XXXX
Consumer complaint received 2023-04-24
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2023-09-12
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : 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 antedat
es 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 2022-12-08
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. (MI)

I am a natural-born XXXX XXXX of Michigan, in its constitutional capacity, as one of the several states of the XXXX. And I am an inhabitant thereof. I am a living human being. I have rights under 15 USC 1681. demand the accounts listed below to be removed.By the Fair Credit Reporting act in accordance. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXtXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries- EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is governen by 15 USC 1681.And they violated my rights numerous of times. 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 : also states that a consumer reporting agency can not furnish an account without the content of 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 or any other adverse item of, 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 data of the information is inaccurate. 

Furthermore, it failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Title 18 U.S.Code SECTION 1341-1342 Frauds and Swindles laws and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C SECTION Fictitious Names No civil or criminal cause of action can arise lest out of fraud, there be a valid, honest contract See Eads v. Marks 249 P.2d257,260.

" I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( Mo ) 282 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists ''.

I declare under penalties of perjury in accordance with law of the United State of America ( without the United States ) Title 28 U.S.C SECTION 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, demand to cease and desist so help me.
Consumer complaint received 2024-04-04
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (IL)

A transaction on XX/XX/2023 I had submitted a dispute for that transaction and I also submitted a police I was told I supposed to receive provisional credit but my account has not received any credit and it has been over 30 days even tho I submitted a police report.