davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion reporting 24 incorrect late payments from XXXX  on all the XXXX accounts. XXXX and XXXX have been updated but unable to resolve issue with Transunion. Companies are required to report accurate information on all accounts.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (MN)

Experian violated my consumer rights. I've attempted to dispute the furnishing of the accounts listed below. Experian verified that all accounts listed below have been verified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Though I've attempted to get more information about exactly how the debt was verified, they've refused to provide suitable proof that the accounts belong to me. 
Accounts : XXXX ( XXXX ) amount : {$300.00} opened : XX/XX/XXXX ( disputed XX/XX/2023. Verified as of XX/XX/XXXX and in XX/XX/XXXX by Experian WITHOUT providing requested proof of validation ). My XXXX XXXX ( XXXX ) amount : {$6900.00} opened XX/XX/2023 reporting incorrect information, has not updated it and continues to report incorrectly. Details about my personal transactions and experiences are furnished to credit reporting agencies. 15 USC 1681 a 2 A i states that " transactions and experiences '' are to be excluded from on a consumer report therefore I need this removed. XXXX XXXX XXXX ( XXXX ) opened :XX/XX/2023 ( disputed with all 3 consumer reporting agencies. XXXX is the only bureau that followed the law and deleted the account ). amount : {$1900.00} account listed as a charge off. Includes transactions and experience information, failed to provide me with a 1099-C form. XXXX ( XXXX ) opened : XX/XX/XXXX account was NOT verified though proof was requested. Account deleted from XXXX but not Experian or XXXX. 
Unfamiliar hard inquiries : Company : -Ally : XX/XX/XXXX XXXX Credit XXXX XXXXXX/XX/22-XXXX XXXX XXXX XXXX : XX/XX/22 -XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX : XX/XX/23 15 USC 1681b Permissible pu

rpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written instructions for Experian to provide this information, therefore these listings need to be deleted.
Consumer complaint received 2023-08-11
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. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-11
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. (CA)

Improper use of my credit file. Experian illegally authorized 3 agencies to access my credit report without my authorization. Experian unable to produce authorization and states they dont have to. This is a violation of FCRA. Under FCRA no one can access my credit without my permission for the purpose of extending credit.

U.S. Code, 15 USC 1681 er seq. Section 604 states that all users must have a permissible purpose under the FCRA to obtain a consumer report.

Experian states they are unable to provide permissible proof and dont have to.
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I have attempted to contact MOHELA a number of times. I have sent an email on the following dates with zero replies nor a phone call. XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022. 

I have tried to call their customer service numbers on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Every time I call, I am on hold for well over XXXX minutes only to be disconnected and try again. I have emailed asking for someone to call me. There is something wrong with my account and no one will respond to me. 

Customer service experience is terrible. While I understand the amount of people attempting to work with MOHELA at this time, it is not okay to not respond to a customer.
Consumer complaint received 2023-08-11
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. (FL)

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. XXXX XXXX
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (AL)

XX/XX/2024 To Whom It May Concern, We realize everyone has their own situation and circumstances. Im reaching out to make myself feel better and know Im doing or have done everything possible to repay my childrens education.

My husband and I became unexpected and young parents XXXX XXXX XXXX. Its always been a struggle, but we have managed to better ourselves and our children. 
Weve been fortunate that our children, now adults, have always been successful throughout school and now in their careers. 
We didnt know how we were going to afford college but did what we thought was best and sought Federal student AID. Not knowing what we were doing we used every family member social security number and accomplished our goal. 
They were both XXXX XXXX and graduated in XXXX XXXX. My daughter is now an XXXX, and my son works as a XXXX  XXXX. 
We also suffered during XXXXXXXX  with unemployment but are back on our feet. 
Initially, we were given student loan forgiveness. Now we are in repayment and in educating ourselves we will never pay off our debt. Ive spent countless hours researching, sitting on hold talking to student aid and Nelnet. Weve consolidated and weve paid overage. My phone calls today, which prompted me to write this, I spoke with very pleasant ( and trying to be helpful ) representatives who have only been able to apologize. Our student loans are our biggest debt. 
On One of four loans were charged {$16.00} a day in interest so after a {$550.00} payment ( for this particular loan ) approximately {$38.00} goes towards our principal. So, it appears paying over isnt really beneficial and we throw this money away and will be paying for our lifetime. 
Were willing to repay for what our children have gained but there has got to be a better solution. Ive sought advice and now Im reaching out to you for help or advice. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Friday XX/XX/21 I made a deposit at a Bank of America in XXXX XXXX, Ca. It was around XXXX. Once I was about to complete the deposit, the ATM crashed and the deposit didnt post to my account. They basically told me there was nothing they could do, they have to conduct an investigation which could take up to 45 days. Meanwhile I have none of my Money and no guidance from the bank. The deposit was cash and check and the teller said she could see my deposit but it has still not posted to my account.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I've been banking with Chase for over 12 years. I recently had a hardship and accidentally overdrafted my account. I added money to XXXX XXXX in small amounts, not realizing I would be charged excessive overdraft fees. I thought I had overdraft protection on or it wouldnt allow me to add funds to XXXX XXXX. I was charged a total of {$230.00} in overdraft fees over a 6 day period. Three {$34.00} overdraft fees on XX/XX/2024 Three {$34.00} overdraft fees on XX/XX/2024 and one {$34.00} overdraft fee on XX/XX/2024. I am respectfully requesting to have these overdraft fees waived and returned to my account. Once I saw this happening I made the account positive and no longer in the negative. I never even overdrafted or took {$230.00} but the bank in error kept charging me {$34.00}, 7 different times. This is an unfair bank practice and your exploiting customers that are already dealing with a tough economy. Most banks dont even charge overdraft fees. Please help me and refund the excessive overdraft fees. Thank you.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-24
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I never received my card and theres been multiple unauthorized transactions made on my account without my knowledge or consent payments were made to the card account and were authorized but their should be no transaction authorized to be on my account. 
Capital one has been giving name a hard time to fix my account according to my authorization and have closed my account without my knowledge and consent of.
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (AZ)

There is a fraudulent account that was verified as accurate by Experian and XXXX. I have not done any business with XXXX XXXX XXXXXXXX, but there is a credit card that was opened in my name. The investigation done by Experian and XXXX could not be accurate because I was unable to get a verification of my SSN used on the original application.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, 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 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NE)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2023-08-11
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 (AL)

On XX/XX/, at XXXXXXXX XXXX  there was a transaction in the amount of {$510.00} from XXXX. When I woke up and immediately saw the notification of the purchase, I called both XXXX and my bank Chime ( XXXXXXXX XXXX ) around XXXXXXXX XXXX that same day. XXXX said they did not see any transaction in that amount on my and my husband 's accounts and told me to contact my bank and dispute it. So I did and they cancel the card and was sending me a new card in the mail. I sent all of the emails from XXXX customer service reps that states there was no transaction done in their system and I sent emails of pictures of all my transactions in the month of XXXX from both accounts. The bank denied my dispute 8 times saying " no error occurred '' and while I keep dealing with disputing the charge, I received emails up to 4 times from Chime saying my debit card purchase was declined from XXXX in the amount of {$200.00} means someone is still trying to use the card. I'm going back and forth with both XXXX and Chime and I still don't have my money. I'm on my 9th dispute with Chime now.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize the following companies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-29
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Many Years Ago, Back in XXXX I Was a Victim of Identity Theft and They Stole My Bank Cards, ID, and Social Security Card was all Compromised. 
Since then I Have XXXX XXXX XXXX to Protect My Life From Identity Theft Happening Again. 
I Have Reported This To The Federal Trade Commissions By Letter Years Ago. 
I Never Take Out XXXX XXXX Loans and I Never Had Any XXXX  Loans of Any kind Never. 

Here This Year, in XXXX of XXXX I am Getting Harassments From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These People Had To Gone and Purchased an Account Somewhere Online or XXXX XXXX Party For Sure and Now Texting, Calling, and Sending Me Mail That Has Nothing To Do With Me. 
I Believe It's a Scam, and I Have Been Targeted Again With Identity Theft Once Again. 
I am Reporting This Because It Is Not Me. 
Please Help Assist Me, I Need To Know What To Do. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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. (MI)

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 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