davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (VA)

Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from XXXX XXXX . I have reviewed my credit report and found that there are violations of the following federal laws : XXXX. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my credit score. 

XXXX. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 

XXXX. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law. 

I am requesting that XXXX XXXX promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that XXXX XXXX provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-09
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. (AL)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2022-11-21
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
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. (CA)

I sent a letter off on XX/XX/2023. Here is the tracking # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (AL)

I placed my credit card payments in deferment. When though I set up the deferment over the phone with an agent, my account still showed a delinquent causing me serious hardship. 
This issue has hindered me from providing housing for my family.
Consumer complaint received 2018-03-13
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. (SC)

I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

Equifax as well as XXXX both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/XXXX. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XXXX/XXXX/2023 9 unauthorized ATM transactions were made in my Chime Financial Inc bank account totaling {$3000.00} On XX/XX/2023 I filed a dispute with chime and provided them a detailed statement of the event On XX/XX/2023 Chime Financial Inc denied my claim with no explanation. 
When I requested supporting documentation for the denial of my claim I was told it would take up 10 business days to receive the documents. 

This has led me into financial hardship and emotional distress. 

The agents at Chime Financial Inc are asking me to provide proof, or police reports to an incident I was not present for. Which I dont believe is allowed in Regulation E In order to file a police report I must have the supporting documentation of the denial of my claim, and waiting 10 business would put me at risk for evictions and repossessions.
Consumer complaint received 2023-05-31
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: EQUIFAX, INC. (CA)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-04-17
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)

Transunion, XXXX, and XXXX continue to furnish information that is inaccurate and incomplete. I reached out to these companies. Submitted a dispute, even filed a lawsuit. My reports are still inaccurate. The Payment history, along with date of first delinquency, and some of these accounts have been deleted on one credit agency but remain on others. Theyre violating 1681e ( b ), along with failing to respond. Another violation.
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California (CA)

I have had a medical expense from an emergency in XXXX. We had negotiated with the insurance ( XXXX ) at the time and had assume the matter was settled. I was surprised to receive a letter n XX/XX/XXXX that the insurance refused to pay certain amount and the hospital is now looking to recover that cost. I no longer have XXXX and is very hard to coordinate on why the insurance declined to pay as i had already met the deductible for that year. 

Eventually this debt resulted in the hospital transferring to a debt collection agency who was making repeated phone calls. They had also increased the debt amount tacking on additional interest. 

I have sent a letter to the debt collector to provide us a written debt verification statement as soon as possible including a request asking for they are prepared to accept less the balance that is currently in the statement. 

It has been more than 30 days since i sent this letter and i have not received any communication.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo checking account ending in XXXX has been wrongly charged monthly service fees. 
I opened this account XXXX It was known as a first responders account. A no monthly service fee for all first responders. 
As of XXXX  they have charged me {$15.00} every month. I've called several times to rectify the situation to no avail. 
To date they reversed 3 monthly charges. 
This is a clear indication Wells Fargo admits and realizes they charged fees which are contrary to the first responders checking account. 

Thank you in advance for your attention concerning this matter.
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2017-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.
Consumer complaint received 2024-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SD)

My loans said that, via email, that I was recertified for my the Federal Student Aid for tax review this year. This email was from the Federal Student Aid. I called Mohela and they said they would redo the SAVE application over the phone even though I said I just recertified. I was told by the phone representative that my payment would be {$150.00} on the SAVE plan ( even though their calculator said it would {$100.00} ). I got an email shorter after saying I was denied for the SAVE plan because it was too early to recertify. The Mohela website says I am on the SAVE plan but that my payments went from {$35.00} a month to {$750.00} ( which is what a standard replay is ). I have {$49000.00} in income and about {$68000.00} in student loans upon entering repayment so I definitely qualify for the SAVE plan. I need help because I can't afford the {$750.00} automated payment and Mohela is not able to resolve this.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (LA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter regarding a recent denial of a car loan application and to inquire about potential violations of federal equal rights laws and CFR laws. 

On [ XX/XX/XXXX ], I applied for a car loan with [ Navy federal ]. Unfortunately, my application was denied, citing reasons that were not adequately explained to me. Upon further investigation, I believe that my application may have been denied in violation of federal equal rights laws and CFR laws.

According to the Equal Credit Opportunity Act ( ECOA ) and Regulation B of the Consumer Financial Protection Bureau ( CFPB ), lenders are prohibited from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of income from public assistance programs. I have reason to believe that my application denial may have been influenced by one or more of these protected factors.

Furthermore, Regulation B requires lenders to provide applicants with a written explanation of the reasons for adverse action, such as a loan denial. However, I did not receive a clear and specific explanation for the denial of my car loan application, which may be a violation of Regulation B.

I am deeply concerned about the potential violation of my rights under federal equal rights laws and CFR laws. I respectfully request that the Consumer Financial Protection Bureau investigate this matter to ensure compliance with applicable laws and regulations.

Additionally, I would appreciate any guidance or assistance you can provide in addressing this issue and seeking recourse for any violations that may have occurred. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX. XXXX, XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX, XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I XXXX experience hardship due to car issues, ill parent, and child XXXX that has caused me to miss work and therefore income. I applied for a loan remodification and was decline. I believe Bank of America does not want to assist me because the property value of my home is high and they will make money but selling the home. The initial modification ballooned my payment higher than what I originally paid. Therefore causing me to fall behind on my note. Now they are proceeding with foreclosure. I do not find this practice just. I have submitted documents which were the same income and bills that approved my first modification. Please help. I do not want to lose my home.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MN)

Spring Oaks Capital  placed a collection account on my credit report for {$1200.00} from XXXX XXXX XXXX XXXX I asked them to send me proof of ownership in the form of a purchase and sale agreement, or an assignment of an alleged contract bearing my name. So far I hae not received any response.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (TX)

I have notified Experian on multiple occasion that some one used my personal information to open credit accounts online with XXXX XXXX XXXX XXXX. I have provided the Identity Theft affidavit, proof of resident as well as the police report information. I have also asked that the information be blocked from my credit report in writing. They refuse to investigate or comply with the rights I have been provided under the law for victims of Identity theft.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CO)

I have asked Experian to provide me proof of PERMISSIBLE PURPOSE for the inquiries that are circled and highlighted in the attached document. Many of them say " Unspecified Reason '' therefore no permissible purpose can be acknowledged nor proven by the companies that asked for my credit. I also have a few from XXXX XXXX XXXX XXXX that says they tried to do a car loan for me. I NEVER asked XXXX XXXX of all companies to finance a car for me. XXXX is my bank and they are the ones that did the car loan for me. Many of the companies that are listed as pulling my credit I have no idea who they are and I never received any kind of credit from them. THIS IS NOT ASKING EXPERIAN TO PUT ANY KIND OF FRAUD ALERT OR FREEZE ON MY FILE. This compliant is being filed because I have asked Experian to provide permissible proof that I asked these companies to grant me credit which they never did. You can see right on their own report that the reason is Unspecified, if that is the case how can they show permissible purpose. This is simply Experians way of trying to hurt me financially and I will not stand for it. I am demanding that the Inquiries that I have listed be removed because I DID NOT give permissible purpose to those companies at that time to pull my credit. The guidelines are very specific on permissible purpose Employment, preapproved credit, investments, credit monitoring, mortgage or insurance. NONE of the ones circled meet that criteria and I am DEMANDING that Experian Remove these inquiries immediately as I have asked them by writing 3 times to do this and they ignore my request each time.
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CO)

Purchased a XXXX XXXX with Chase Sapphire Reserve Card because of the advertised 10x the points per dollar promotion and only received 1x the points per dollar. 

XXXXXXXX XXXX XXXX XXXX I decided to purchase a XXXX XXXX and began researching payment options and promotions. On XX/XX/2023 I obtained pre-approval for a no-interest loan through XXXX via the XXXX website for {$7000.00}. On XX/XX/2023, I went to the XXXX website and they were advertising a promotion between XXXX and Chase that between " now and XX/XX/2023 '' Chase would provide 10x the points per dollar on the purchase of the XXXX XXXX if purchased directly through the XXXX website. I opted to forgo using the no interest loan and placed an order for the XXXX on through the XXXX website using my Chase Sapphire Reserve. On XX/XX/2023 the purchase posted to my Chase Sapphire Reserve account for {$3800.00}, meaning I should have received XXXX points for the purchase. I received XXXX points. 

I contacted Chase on XX/XX/2023, and was advised that my purchase qualified for the promotion but it would take 6-8 weeks to post. 

After the points failed to post, I contacted Chase again on XX/XX/2023, and was again advised that the purchase qualified but the rep did not know why I had not received the credit and they would escalate the issue and respond within a week. 

After receiving no response, I contacted Chase on XX/XX/2023, and was told that the system showed that the issue had been escalated but the rep did not know why I had not received a response and that he would escalate it again for follow up. 

On XX/XX/2023, I received a letter from Chase advising that my purchase did not qualify for the promotion because my purchase posted on XX/XX/2023 and the promotion ( at this time ) was listed as starting on XX/XX/2023. 

I contacted Chase on XX/XX/2023 by phone and advised that the promotion was advertised as being in effect on the date I made my order and I would not have used my Chase Sapphire Reserve and forgone a no-interest loan but for the advertised 10x points promotion. I was told that even though XXXX had advertised the promotion prematurely and represented it as being in effect at the time of my order, Chase would not honor the promotion.