davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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 .This 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 XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-09-11
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. (FL)

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 2022-06-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

MEFA reached out to explain that the borrower was told that be lowering his payment to something he could afford that he would likely have to pay more in the future. No amount was given just a likely increase.MEFA made more money and the borrower now has no options and a payment that is impossible to pay. Because the borrower needed help paying they are now in a very bad situation
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (DE)

I filed an dispute because money was moved from my account to an XXXX XXXX or some type of pay they didnt give me all the information I explained to them that the money wasnt in my account and they said they were going to investigate it and never sent me again and I called and they reopened the case and denied it again and I asked for the information they verified to make the decision they made
Consumer complaint received 2020-03-12
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)

After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
Consumer complaint received 2022-11-16
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. (MO)

In accordance with the fair credit reporting act. XXXX  acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

I got a ATM withdrawal of {$510.00} pluse the ATM out of network fee but I didn't withdrawal that much money I don't thank any atms near me will even let me droll that off the most I've been able to droll off is normally like XXXX but chime keeps telling me no error was made even though I didn't droll that much off
Consumer complaint received 2015-10-18
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX Enclosures
Consumer complaint received 2023-06-20
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: Synovus Bank (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 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 instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, XXXX XXXX XXXX and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with Equifax ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Consumer complaint received 2023-09-11
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. (GA)

I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

In XX/XX/XXXX, XXXX XXXX XXXX and their financial lender, Firstmark, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Consumer complaint received 2022-11-25
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

CFPB Complaint and Dispute Letter with Portfolio Recovery Agency XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, WA XXXX RE : Complaint and Dispute Regarding Portfolio Recovery Associates Dear CFPB, I am writing to file a complaint and dispute against Portfolio Recovery Associates ( PRA ) regarding a debt they are attempting to collect from me. I am disputing the validity of this debt and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. 
Dispute of Debt I am disputing any and all claims made by Portfolio Recovery Associates that I owe them a debt. I have no knowledge of or responsibility for this alleged debt.

Revocation of Communication Rights I hereby revoke all of Portfolio Recovery Associates ' rights to communicate with me regarding this alleged debt via email, text message, or phone call. All future communication must be done in writing and sent to the address listed above. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation notice that details the amount of the debt, the name of the original creditor, and the date the debt was incurred. I request that Portfolio Recovery Associates provide me with a complete and accurate debt validation notice as soon as possible. 
Request for Purchase Agreement I also request a copy of the purchase agreement between Portfolio Recovery Associates and the original creditor for this alleged debt. This document will help me to determine the legitimacy of the debt claim. 
Request for Proof of Licensure and Bonding Furthermore, I request that Portfolio Recovery Associates furnish me with proof of their licensure and bonding to collect debts in my state. 
I am concerned that Portfolio Recovery Associates may be violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that I do not owe. I request that the CFPB investigate this matter and take appropriate action against Portfolio Recovery Associates if necessary. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX ( ID and PROOF )
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

The first time I received an email from Caine and Weiner, I requested that they send me the original document as I never heard of the company before. If checking on my bank account i never made a payment to their business or use their services. I have requested the information on XX/XX/2023. I have sent them letters. No response. Every time they reach out by email, they request to pay an amount and the amount keeps on decreasing from the original email. In XX/XX/2023, they put a collection on my business account which I just recently found out.
Consumer complaint received 2023-04-22
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)

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 3 credit bureaus 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 corrected : XXXX XXXX Balance Owed : {$490.00}, XXXX XXXX XXXX  Balance Owed : {$500.00}
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

I have had an ongoing issue with JP Morgan Chase bank Fraud department, accusing and freezing my checking account and refusing to allow for me to use the account. even though I have been able to open an account, with no issues, however when it came to depositing my pay checks via online mobile app, they froze my account and made accusatory comments and statements that i have shown a history of fruad and they wouldnt unfrezze the account. however I have provided to the fraud deparment numerous times valid information which would show i was a victim of identity theft, i provided documents to support this claim including a police report for them to review.