davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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)

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Consumer complaint received 2023-06-24
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. (UT)

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, 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 2024-04-02
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. (CT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (DE)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX, I was in the process of a FHA Modification with Bank of America. I hired an attorney, attended a seminar to meet account specialists, and complied with whatever was needed in order to obtain the modification and remain in my home. During the trial period of the modification, Bank of America placed a recorded a lien with XXXX XXXX register of deeds in XX/XX/XXXX and sold the loan to XXXX XXXX XXXX which then sold it to XXXX XXXX XXXX in XXXX. Once again, a trial period was demanded with a down payment of {$10000.00} following trial period of {$2500.00} each month. Consequently the loan was transferred to XXXX XXXX XXXX. 
In XX/XX/XXXX, I decided to sell my home and learned about the partial subordinate lien ( second mortgage ) placed by Bank of America. 
I reached out to Hud and was informed the case number does not exist. After several attempt to register in the XXXX  Portal, I had one person respond via the XXXX XXXX chat that the Bank of America recorded a lien but never filed a clam with HUD. I was also inform to contact my primary servicer and to inquire if they will file a claim if not it can be released. I have reached out several times and I do not get any replies. 
I would appreciate help from anyone at this time
Consumer complaint received 2023-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Today XX/XX/XXXX, Caliber Home Loans has placed a fraudulent Notice of Trustee Sale on the door of my home. My elderly parents are very upset since this case is presently pending before the Bankruptcy Appellate Panel ( BAP ), therefore any collection activity was in violation of Federal Law. We attach a copy of the Appeal filed on XX/XX/XXXX since all Pre and Post-Petition Bankruptcy payments have been paid since XX/XX/XXXX Also, we have still not received a correct updated history of all payments made on this loan since the year XX/XX/XXXX. Nor have we received a correct XX/XX/XXXX for XX/XX/XXXX& XX/XX/XXXX, and information regarding the different investors including, XXXX, XXXX XXXX XXXX etc. We have two different signed NOTES and would like to know which is the original? None of these issues have been addressed per RESPA, FDCPA, etc. and we would like the CFPB to intervene. From what we understand XXXX XXXX   has just been fined $ XXXX for unlawful foreclosures and fraudulent accounts.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-06
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. (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. 

, Account name : XXXX XXXX XXXX XXXX  Bank Account : XXXX, Account name : XXXX XXXX  XXXX Account : XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-20
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. (KY)

In Accordance with the Fair Credit Reporting Act, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

unauthorized transactions on chime account i disputed and canceled my card chime was told i would recieve a temporary credit until a decision was made and i never recieved no temporary credit, later on declined my disputes with no explanation i have reached out to customer service numerous times with no result XX/XX/2023 / XX/XX/2023 2023
Consumer complaint received 2022-12-07
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX .... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$6400.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXXXXXX .... Balance : {$4400.00} ; XXXX 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
Consumer complaint received 2022-12-07
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

I spoke to Apple and I explained what happened the purchases were made through appl e pay and my physical card was stolen and my phone was also stolen. Apple closed my account and is forcing me to pay outstanding balance for transactions I did not make I have had to replace my phone multiple times. Apple is making it seem like I am lying about the situation and I feel very disrespected on that matter.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-04-02
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. (IL)

My understanding is that FCRA 605B requires the removal of incorrect accounts from my credit report. Could you please examine the documents? There are discrepancies in some of the listed accounts regarding their reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-04-02
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. (NY)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

On XX/XX/2023, Nelnet reviewed my application to change my IDR plan from PAYE to SAVE. They decided to keep me on the PAYE plan because the monthly amount due would be the same for both plans. I would owe {$0.00} under these plans because I dont have income. However, the SAVE plan would stop the interest to continue to incur every month. 

I called Nelnet multiple times in order to resolve this problem with no success. Finally, I was instructed to just apply again by a representative. On XX/XX/2023, I went ahead and applied again for a change of plan from PAYE to SAVE. For a second time, I was kept on the same plan even though I qualify for the SAVE and it would be the best option for me because I wouldnt have a ballooning interest.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-08-20
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. (TX)

ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

The XXXX  XXXX XXXX account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time XXXX  XXXX XXXX then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to XXXX XXXX XXXX about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my Experian credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid 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: Chime Financial Inc (TX)

On Saturday Morning XX/XX/2023 I'd Ordered a Set Time of XXXX XXXX - XXXX XXXX XXXX Deliveries to my Veterans Unit a TV plus Groceries totalling {$470.00} as Deducted from my CHIME CREDIT BUILDERS ACCOUNT as a DESIRED CUSTOMER. WHEREAS, XXXX texted claiming now they're SHIPPING my 55 '' TV approx. XXXX XXXX. I immediately said NO to the SHIPMENT. I immediately called XXXX to CANCEL the ENTIRE ORDER with CUSTOMER RELATIONS. NOW, the XXXX Cancellation Cancelled the TV, but the XXXX Delivery Driver was yet in route to now stating on XXXX {$24.00} Groceries which upon my return to my Unit was sitting on the ground Openly in this HIGHLY OCCUPIED COMPLEX unattended! Not good! I summoned CHIME by Electronically and on CHIME APP a CLAIM for {$470.00} that same Day, XX/XX/2023. FILE # UNKNOWN and due to it being taken down after PENDING until Friday, XX/XX/2023 and NOW PENDING an additional 7 - 10 Days my needed REFUND of {$440.00} which sits as ( Credit ) - {$440.00} and a XXXX Balance in my Accounts unable to do anything for my BIRTHDAY which was Saturday, XX/XX/2023 nor get a TV as a Birthday Present to myself after spending 5 Years of Birthdays behind XXXX! And, too in doing so the VA is Investigating the PREVIOUS XXXX Delivery of a " KNOCK OFF '' XXXX 55 '' TV from XXXX Purchase IS why I did NOT want another TV SHIPPED by XXXX. Therefore, after requesting CHIME to call me and during that call I'd inquired about both my CREDIT of {$440.00} and the OUTCOME of my {$470.00} PENDING CLAIM TO NO AVAIL! TOLD there d I es NOT exist any such CLAIM, but a CLAIM for {$24.00} and trying to get me to adhere for an added CLAIM NOW for my OVERDUE REFUND of {$440.00} for a NEW CLAIM for an ADDITIONAL 7 - 10 Days totalling in excess of 2 Weeks as I'm a Senior XXXX YO and XXXX Veteran on XXXX XXXX and this is nearly HALF of THAT Monthly Payments for XXXX ... and I'm LEFT DISMAYED after ALL these years of looking forward to being XXXX! NOW, CHIME Claims a OPEN CLAIM PENDING THEIR INVESTIGATION for the XXXX Purchase of {$24.00} for UP TO 30 Days. What above my money DUE? A CHIME Supervisor now claims " CANCELLATION OCCURRED BEFORE SETTLEMENT. '' I exclaimed, WHAT? CHIME Supervisor states it will take up to an additional 10 Days for PENDING to DROP. My question IS how did CHIME et. al SETTLE the {$24.00} XXXX purchases out of the {$470.00} CLAIM and NOT REFUND MY {$440.00}? We're speaking of my ENTITLEMENT XXXX PENSION here. Why are they mistreating me and causing me MUCH DISTRESS as I SUFFER from XXXX and I have NO other means of SUPPORT at these immediate times with 100+ degrees weather. Who can HELP me? I need HELP with these XXXX folk!
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The BANK OF AMERICA account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time Bank of America then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to Bank of America about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my XXXX credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.