davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
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. (NJ)

In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Consumer complaint received 2023-06-02
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. (FL)

I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX  # XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy ) XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XX/XX/XXXX ( Transunion Inquiry ) XXXX XXXX XXXXXX/XX/XXXX ( Transunion Inquiry ) Please investigate and Delete these items on my report
Consumer complaint received 2023-01-02
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. (SC)

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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all 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 states : A consumer reporting agency can not furnish an 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 items of information other, than records of conviction of crimes which antedates the report by more than XXXX years.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (RI)

I am eligible to have student loan payments that I paid during the COVID-19 pause for student loan payments. Mohela sent my information to the Department of Treasury as I was eligible for repayment. This was in XX/XX/XXXX. I have received no repayments or information from either Mohela or the Department of Treasury. On XX/XX/XXXX, I wrote to Mohela to ask them for contact information at the Department of Treasury or where specifically the request was sent. On XX/XX/XXXX, Mohela responded and informed me that they have no contact information and provided me no guidance at all. The Treasury department website is vast and after searching for some time, I could not find an answer. I tried calling several times and nobody could answer my question. Any assistance would be greatly appreciated!
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (GA)

A charge-off / lien has been reported to my Equifax credit file by XXXX. The charge-off is associated with an address I have never occupied or been associated with. Furthermore, I lived out of state during the time period in question. I have disputed with Equifax and XXXX and they are making it nearly impossible to remove the charge-off. XXXX refuses to allow me to file a fraud complaint without personally showing up to their local offices ( which are few and far between ) with a police report and multiple forms of identification including my social security card.Although Equifax agreed that I have never been associated with the address or account in question, they will not give me any additional information or assistance. They simply tried to upsell me on additional fraud and credit monitoring products. They also claim I am not allowed to speak to a supervisor or obtain any contact information from their customer service reps. 

This charge off is preventing me from refinancing my home and has reduced my credit score by XXXX points in comparison to the other credit reporting agencies.
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

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 a account without my written instructions.

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 2023-02-01
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: CITIBANK, N.A. (CT)

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 a account without my written instructions.

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 2024-03-02
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 (MD)

I filed a dispute with Chime on XX/XX/XXXX, regarding a personal trainer stealing my money. Originally I was set up to receive physical training services on XX/XX/XXXX. The physical trainer, XXXX XXXX of XXXX XXXX, assured me the funds ( {$340.00} ) were meant to come out the day before I started services. I needed to make a change in the start date, due to personal reasons. I reached out to XXXX on XX/XX/XXXX at XXXXXXXX XXXX to push back the start date. Shortly after that, I realized he already charged me the {$340.00} via XXXX, at XXXX XXXX. Considering the start date was set for XX/XX/XXXX, and I was supposed to be charged a day before, there was no reason whatsoever that he should've charged me on XX/XX/XXXX. After consistently calling and communicating back and forth with Chime regarding the dispute, I have yet to receive any assistance with obtaining my funds. I have shown proof that XXXX said he would refund me and then proceeded to start ignoring me. I have trusted Chime and have been a customer for several years, and Chime has done nothing to show me that they appreciate my patronage. Chime is supposed to protect its customer 's funds. That's what banks do. I need this situation to be remedied immediately. I'm not sure how Chime has allowed this to go on so long. I'm attaching screenshots of the communication between XXXX and me ( which I provided to Chime ) ; as well as proof that when I would reach out to Chime, they would respond via email and do absolutely nothing to assist me ( I've attached 6 of 12 communications that occurred between XX/XX/XXXX and XX/XX/XXXX ). I also attached a screenshot of my calls to Chime.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had a XXXX balance on my Capital One card since XX/XX/2021. My account is restricted, and I can not use the card. If Capital One will not allow me to use the card with an account that has not gone into collections, this account is of no value to me. It continues to hold derogatory remarks on my credit report. I have done my due diligence to bring the account to XXXX  balance with a {$1500.00} limit.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called XXXX and checked my transition account and they have no record of me having an account with Capital One so they can no assist me with disputing information I even called the Number by capital one and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I made a payment on my student loans in XXXX of XXXX. I was later notified by the company Mohela that I was not given notice of my impending payment within the right timeframe. As a result that payment would be credited towards a future month. However, it has not been credited. I have called them and either could not get through a looping menu or been put on hold for hours. When I once got through to a person, they told me they were in training and could not answer my question then put me on hold for hours again.
Consumer complaint received 2023-05-25
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-06-02
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 — 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 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 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is my Third Attempt to have this account with XXXX XXXX Verified. I have sent in letters to all three reporting agencies and I have yet to receive any feed back and it has been over 3 months and no one has corresponded with me anything on my investigation. I have sent information in to the business to have this account verified if I can not obtain legal verification of this account I would like for it to be removed.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

American Express is processing a payment that I am asking them to stop. They have tried processing the payment once, and when that did not go through, I asked them to stop, take the money out of a different account. Now they have debited my account with full payment and are still trying to debit the other account that I have requested  three  times for them to stop. They have had opportunities before the payment was processed again to stop it. They will not contact ACH or compliance and simply state that they can not do it. The only way to stop it is if I put a stop payment from  XXXX   XXXX , which is not fair to charge me a stop payment fee when I am asking American Express to stop payment from that account. I am not the only person who has this problem with them, as stated by the call center supervisor,  XXXX . Obviously, they are not protecting their consumers by not allowing payments that have not been processed to stop. Rather, now I  may  get charged a NSF fee as I have to wait for the payment to go through three times, when I asked for the payment to not go through after the first time.
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (GA)

On  XXXX  I received an alert from my credit monitoring service that an account had been added to my   XXXX    and   XXXX   report. On  XXXX  I received another alert that the account had been added to my  XXXX  report. I have no knowledge of this debt. This company NEVER sent out a dunning letter for me to respond to and just put this debt on my credit report which is against the law. Filed a complaint and the response from the company was they did not have an account for me.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (GA)

I was told on XX/XX/XXXX that I needed to send in my license, and photos of my physical credit card on file to have my payment profile reviewed re-activated. The case that was opened for that was XXXX. 

A few hours later on the XX/XX/XXXX, I was told that the payment profile is now reactivated. I tried making purchase again with my gift card and was given the same error message that I was told was fixed. 

I went back to XXXX chat once again who open another case and was told once again that the account is reactivated and try again to no avail. I did this at least 4 times, with chat just opening cases, telling me its reactivated then its not. I have even had an agent end chat because she was stating nothing is wrong on the account, and I need to just wait. 

I then went and ask to have my gift card re-imbursed as XXXX is not re-activating the payment profile and I was told the request is denied, however, the account is re-activated, only to try using the card again and the account is still de-activated. 

I am tired of being given the run around by this company, while they are not either reactivating the account or re-imbursing the cards. Either resolve is welcomed but neither is being given by XXXX.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

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 2023-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

The company is reporting to my credit that this account has been resolved and is no longer in their office, but they are still reporting to my credit report. I have recently sent a complaint and this was the response, but it has not been updated accurately : CKS Prime Investments , LLC ( CKS Prime ) acknowledges receipt of the consumer complaint. The account has been reviewed by our compliance team. The account associated to the consumer inquiry was settled in full and closed with our office. CKS Prime is a data furnisher and as such is subject to independent rules and regulation. In accordance with governing rules, accounts are not deleted from a consumers credit bureau because of a payment or a resolution, but rather, the credit bureau reporting of the account is updated. We do not engage in a paid to delete strategy. The account is reporting to the bureau accurately as settled in full in accordance with governing legislation for data furnishers. Should the consumer have further questions or concerns we invite them to contact us to discuss the matter further.
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?
Consumer complaint received 2017-07-14
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)

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 a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your 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 accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  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.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT