davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The account below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX XXXX and have 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 605 - 15 U.S.C. 1681c ( f ) no dispute remarks have been added to indicate previous disputes.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (FL)

In 15 U S code 1681b States : permissible purposes of consumer Hard Inquires have no permissible purpose being on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (IL)

On XX/XX/2023, while filing my taxes, I learned I had over contributed to my HSA held with Optum Financial. That same day, I submitted a form requesting that they remove the excess contribution from my account. It is now XX/XX/2023 ( Tax Day ), and they still have not removed the excess contribution. I have contacted Optum Financial five times in the interim to check on the status of the request. For weeks they told me they had the form and were still processing it. Then, on XX/XX/XXXX, they told me they never received the form. I was traveling at that time and didn't have the ability to re-submit the form. On XX/XX/XXXX, I called and requested assistance with this issue. I was told I would get a call back the same day as this was an urgent issue. I never got a callback and they still have not removed the excess contribution. Now, I will have to re-file my taxes and pay the 6 % extra tax on the contribution because they have refused to manage my account in the way I've requested.
Consumer complaint received 2023-10-06
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

I opened a credit cart though XXXXXXXX XXXX in XX/XX/XXXX, card number ending in XXXX. 
I made all payments on time and did not go over the limit. 
On XX/XX/XXXX, a letter was mailed to me from " Elan '' card member services ", Authentication dept, which is the creditor and the issuer of the credit card.The letter stated that my account is closed and I have 15 days from the date of the letter to fax my ID, SS number, last 2 years of tax return and 2 months of bank statements in order to re open my account. 
When I called to inquire I was told that my identity needed to be authenticated and once the information is submitted, my card will be open again.I faxed all documents on the 15th day XXXX.I called the next day, and was told by the customer service agent that the documents were received but they chose to close my account anyway.The agent could not disclose the reason for closing my account and advised me that I will get a letter by mail explaining the reason. 
I recieved the explanation letter stating that inadequate documentation was recieved ( which is not what I was told by the agent on the phone in addition, all required documents were sent, I have copies of the fax transmission ), due to suspected fraud. 
FRAUD??? 
I own 11 income properties and used the credit card to pay for 3 new AC and for a roof at my own home.I make all payments through my XXXX account that is linked to the same online profile as the credit card. 
The account closure affects my credit report in a negative way, without a fault my own, in addition, I am now required to pay off the credit card without having the benefit of a credit line after pay off. 
I have few other credit cards form various banks, I never missed a payment on any of my loans or credit cards and I never had to experience this kind of treatment from a credit card issuer.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC is currently reporting on all three major consumer reporting bureaus that I owe their company {$17000.00}. XXXX started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered XXXX  and XXXX  stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TN)

There are different accounts different numbers on my statements and something doesn't add up in any of these statements you look at these statements and tell me if anything adds up right because I didn't see any of this money but my social security XXXX. OK look at my account number I gave you and look on my bank statements and tell me if you see something wrong at each statements
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

PHEAA/FedLoan said I had paid far less eligible PSLF payments than I had. They refused to or could not provide specifics about many months and years, blaming it on transfers amongst servicers.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

My aunt recently endorsed her check to me and it was placed on 7 day hold. When I went to the bank to make a withdrawal I was informed that they couldnt release the funds without contacting my aunt. My aunt who was unavailable at the time. I have an incoming direct deposit and without being informed my account is unavailable for me to view. Please get back with me as soon as possibl with the release of my funds.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-06-18
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: Ben Franklin Finance LLC (MO)

XXXX XXXX systems and Ben Franklin financial I was looking for a school because I was pregnant, looking for a way to better our lives, I looked into XXXX programs. On XX/XX/XXXX XXXX XXXX systems called me back and told me I would be on scholarship and made everything sound good. On XX/XX/XXXX I found out I miscarried and the baby had been dead XXXX weeks. I was unaware of the 3 day cancellation period and under a lot of pressure and overwhelmed. I couldnt cancel so I still tried to make it work. 
I was told the program was accelerated also but thats not the case. The last straw for my mental was looking over the contract they sent in the mail weeks later after sending it without the proper postage and the mailman asking me for the money to cover the postage fee because they improperly sent it. I did not have the money as I was out on leave. 
My church was going to help pay for a year and when we looked over the contract, it looked like my car contract with an insane interest amount, that I was never told about. XXXX for prerequisites that may or may not transfer over. I also received a letter in the mail saying that they will start garnishing my wages. 
They prey on people that are looking for a way to better their lives and take advantage. 
All the acknowledgements are not initialed. 
My information is not even correct. I had just started my job XX/XX/XXXX. That was no where near 2 months and I was on leave when I signed up.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Consumer complaint received 2023-12-01
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC. (MD)

XXXXXXXX XXXX XXXX, want tobe in business. so but never was in business. Insurance company XXXX XXXX XXXX XXXX XXXX ) asking fee ( over $ XXXX ) audit fee. We told them and proof them so many times we never perform any business. Their inspector also agreed. Company should not be responsible for audit fee. 
plus they are looking this dept from me personal. This is a closed Corporation. I was a XXXX in papers. They e mail me and harassed me every week. this is the information XXXX XXXX Senior Commercial Collections Agent Direct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.caine-weiner.com