davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$540000.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-01-07
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

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.

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 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 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.
Consumer complaint received 2023-01-07
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. (MA)

I sent a letter to the XXXX Credit Bureaus to remove the following items that were unknown to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (SC)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph
5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (WA)

My account was overdrawn buy pending on XX/XX/XXXX, so i made a deposit. the bank then " posted '' the pending transactions that caused fees on XX/XX/XXXX, even though they had shown as pending on the XXXX, and it didnt actually show that it was posted until the XXXX. i check my balances multiple times a day and watched all of this happen basically in real time. The bank held my real time electronic deposit until the XXXX, causing XXXX overdraft fees.
Consumer complaint received 2022-10-22
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. (GA)

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (IL)

Chime online bank has locked my account for bo reason. They asked for my ID, proof if address and proof of my phone number. I sent that to them 4 times and even called to verify my identity with a human. They still will not unlock my account. I even took a selfie picture holding up my drivers license next to my face and they still are refusing to unlock my account. I've decided to switch banks but need to get into my account for my future deposit coming in from my employer. They are harassing me and giving me the total run around and I need some help with this please.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NY)

After multiples inquires with the general number and visiting the branch I was advised by Wells Fargo that I do not need an account to qualify for a personal line of credit. The website was n't explicit either hence why I deferred to calling the general number and visiting the branch before applying. After all my inquires I made it clear I was looking for {$100000.00} and wanted to know key eligibility requirements. I was never told an account would be a basic requirement ( even after asking ) and was led to believe income and credit would be the major factors. Nevertheless, after all my attempts to understand basic qualifications we ( my fiance and I ) were denied after applying primarily for not having an account. I not only think this was unfair but it was deceptive because other major competitors clearly outline qualifications which I will submit as evidence. 
To add insult to injury I was contact by an underwriter I believe from California to further question the application after applying. At this point I was advised we wo n't qualify for the {$100000.00} because of no relationship and minimum assets with Wells Fargo ( thank you for telling me after applying ). However, I felt somewhat relief that we would be able to receive a counter offer up to {$50000.00} without having a relationship per the representative. I was then advised to allow further processing and to follow up with the banker that assisted me. 
After, following up with the banker and her manager they were both in shock of the denial of credit considering our credentials and escalated the issue. Long story short, the resolution was we were not qualified because of no relationship and limited assets with Wells Fargo and too many recent credit accounts opened. Please be advised recent applications of credit and restructuring of my debt was tactical to reduce my debt to income and increase my chances of credit approval before purchasing a home which would increase my debt to income. 
Bottom line, had we known what we knew after applying we would n't have applied. We would n't have based our future plans on the possibility of a credit line and would have seek other alternatives. However we did, we felt like we did our homework and prepared for success but still failed due to misguidance. Now what?
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (FL)

Over 4 months ago there was a transaction done through XXXX using the prepaid card I have through my job for the merchant XXXX in the amount of {$99.00}. That same night I canceled my subscription with XXXX and they issued a refund to prepaid card ending in XXXX through paypal for the canceled services. I was told to wait 30 days for the refund to hit my money network account. I still have not received it. I called XXXX to see what was going on and they not only provided documentation showing the funds were refunded to my bank, but they also sent me a timeline sheet showing when it was sent to the prepaid card provider ( Money Network ). I called money network to file a dispute for the refund because it did not go into my money network prepaid card. After Money Network claimed to investigate the claim, they denied it saying XXXX refunded it to my XXXX account which is not true, especially because of the documentation XXXX provided. Money network refuses to help with this situation and has my {$99.00} just sitting in one of their accounts somewhere. I need my money back asap. It belongs to me.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I had submitted my XXXX and/or XXXX  Statements to show employment with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a qualifying public service eligible for loan forgiveness and I received XXXX  letters from MOHELA on the same XXXX ( XX/XX/XXXX ) of which I do not understand any of MOHELA 's response other than I do not qualify for any of the timeframes I had submitted evidence of employment with XXXX 
I have been with XXXX since XX/XX/XXXX, to current. Although there were XXXX  in XXXX and XXXX in which I was on file and employed with XXXX, but was not required to teach, there were XXXX  periods in which I received no income and thus no earning statements were provided and therefore, I was unable to provide some earning statements within those XXXX- but I was employed with XXXX  since XX/XX/XXXX. 
MOHELA 's letters do not clearly indicate if any of my time with this qualifying XXXX  and simply states that I am not eligible for any loan forgiveness, now, or in the near future- which I significantly disagree with. I want to understand why I am not eligible for XXXX on my student loans. Thank you.
Consumer complaint received 2022-11-26
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. (IN)

In accordancewith 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. 

XXXX XXXX XXXX XXXX XXXX... 
XXXX  XXXX... 
XXXX XXXX XXXX XXXX 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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-03-27
Product: Credit reporting 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 recently reviewed my credit report and noticed my account with XXXX XXXX XXXX XXXX that was not reporting accurately. I had one late payment on this account that I was in fact paid on time. The consumer reporting agencies have the need to report all information with complete accuracy. This account has not been late on any payments, and I've attached a copy of my report to this complaint on the following date of XX/XX/24. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment on XX/XX/24, If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
Consumer complaint received 2023-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. Now that I have returned to the United States, I have been able to collect information that was not easily available to me while I was in XXXX, and which is directly relevant to my claim. 

To start at the beginning, on XX/XX/2021. SunTrust send a fraud alert to my email, but I could not access my email in XXXX. My young daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXXXXXX XXXX, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021. 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of XXXX had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over XXXX in overdraft fees, because the withdrawals continued to occur even after my account had been drained to XXXX 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, Tennessee, along with my XXXXXXXX XXXX and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021.
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : 1. Breakdown of fees including any medical charges and collection costs 2. A copy of my signature with the providers of service to release my medical information to them 3. Cease any credit bureau reporting until the alleged debt has been validated by me. 
I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. 
So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completly ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.
Consumer complaint received 2017-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.
Consumer complaint received 2017-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

As I have done many times before, I wired monthly child support to my former spouse, who recently remarried and changed her name. I was unaware she had not yet changed her name on her bank account. Instead of contacting me to sort it out, Bank of America took {$45.00} out and bounced the remainder back. I called and tried to sort it out over the course  of two phone calls totaling 40  minutes. At the end, I was told the wire department would not speak to me because I 'm not a Bank of America account holder. I am, in fact, an account holder. I had no way to know about their fees, and they had no right to take the money from me without a signed agreement from me. A simple phone call or email would have solved things, but they too k the low road on this one.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for a XXXX XXXX American Express XXXX. There was an introductory offer that if I spent at least {$1000.00} dollars I would receive XXXX XXXX XXXX points. I made a purchase of {$1800.00} and paid for this charge, therefore fulfilling my obligations to receive XXXX points with XXXX XXXX. However, I have been unable to access these rewards points to make a hotel reservation. On numerous occasions I have contacted American Express about this problem. They have indicated that, due to some unknown reason, there was no hilton honors account number associated with my american express card. They then gave me a temporary password jand account number and instructed me to log on with the provided account number and temporary password and then I would be able to access my account and my rewards points. However, each and every time I attempt to do this I recieve an error message and I am unable to complete the process.
Consumer complaint received 2023-01-08
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. (PA)

I sent a letter certified mail to XXXX XXXX XXXX asking for 1. Validation of the debt- that is the actual accounting 2.Verification of a signed invoice 3.A copy of the contract binding both parties ( myself XXXX XXXX, and XXXX XXXX XXXX ) however according to 15 USC 1692 E,15 USC 1692 D,15 USC 1692 D-May not use language or symbol of any envelope or in the contents of any communication effected by the mail or telegram that indicated the debt collector is in the debt collection business or that the communication related to the collection of debt