davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-21
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. (LA)

I see that same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2022-04-21
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-21
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (TX)

I filed a dispute in regards to inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I have not received any investigation results.
Consumer complaint received 2022-04-21
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. (SC)

In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (KY)

I paid XX/XX/XXXX XXXX and something on my credit card and then they took it back off my limit tried saying it was returned or refunded or canceled and my bank verification says it was paid settled then I reached out to the credit card support and they was rude was hanging up on me and calling me lier 's and just trying to keep my money in my credit rude I even sent XX/XX/XXXX proof from the bank
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (RI)

My government student loans ( through Nelnet ) have been transferred to a new servicer XXXX XXXX XXXX  where I have been paying them monthly regardless of the Covid rules which state that I do not have to till XX/XX/2022. 

Under XXXX they show as paid as agreed. Under Dept of Ed/Nelnet , they show as in default. I also was told, they would never go to default on my credit report due to the Covid issues, but they did anyway. 

They refuse to remove the Nelnet lines on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like them removed as I am paying the loan under a forebearance agreement which was suppose to clear me from this on my credit reports. 

XXXX XXXX
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I have a credit card with Chase Bank. Somehow my number was compromised and a counterfeit card was made using my card information. The thief used my card for purchase made in XX/XX/2021 at XXXX XXXX for {$110.00}, XXXX for {$27.00}, and two XXXX purchases one for {$82.00} and {$31.00}, and XXXX XXXX in XXXX XXXX. All of these charges were made around the same time, and when I discover this I alerted Chase right away. Chase did a dispute review for these fraudulent charges and they only refunded the charge for the XXXX XXXX. I am thankful for that credit however, how does Chase agree with me that this is a fraud charge but not the other charges that occurred around the same time frame? I am confused by this. I tell them all these charges are fraud, they do a review and agree that only the XXXX XXXX is fraud but not the charges that took place before this charge and after this charge? I am requesting another review of this and an answer as to why they approve the XXXX XXXX charge but not the others. Also per Chases credit card agreement, if fraud charges are reported in a timely manor then they do not hold their customers responsible. I did report this credit card fraud to them within the time frame, now it is their turn to uphold their terms and conditions.
Consumer complaint received 2022-04-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (FL)

I was late for my mortgage in XX/XX/XXXX, which I paid in XX/XX/XXXX. I reach out to CHFA and got a forbearance approved in XXXX, for XXXX, and XXXX of XXXX and XX/XX/XXXX. During this time my loan was still reporting late to the credit bureau, I started paying on my loan after the forbearance ended, I was also offered a partial claim back in XXXX of XXXX which took 3 months to be approved, this was then approve in XX/XX/XXXX and never got paid out until XXXX of XXXX, I was told to keep paying until it was paid out I have been paying on time since the forbearance, and was on time ever since, however as you can see in the attachment I have been reported late ever since the forbearance. I kindly ask that they remove the late payment report since XXXX XXXX to XX/XX/XXXX. Likewise, XXXX and XXXX of XXXX were also a forbearance period which I was also reported late for, please remove those as well. I am current on my mortgage and have only been late twice due to losing my job during XXXX. The Mortgage company made a note on my credit report that the late was due to natural disaster but refuse to remove the late reports. 

Thank you
Consumer complaint received 2022-04-21
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: City First Mortgage Services, LLC. (TX)

I was speaking to a loan officer from City First Mortgage Services , LLC about applying for a conventional loan for a duplex. I asked him all questions over the phone prior to starting application with him. He stated false information of interest rates for duplex and gave information on single family homes. Which I learned from him after he completed the form himself and then ran my credit score and sent me information regarding nonpayment of 25 % for duplex which he failed to mention when I asked him for the range of down payment required by the company for a duplex. I have emailed with him regarding the situation. He stated he would try to correct this mistake and requested an approval from cooperate to allow him to provide me with a letter of deletion so I may send it to the credit bureau. They declined and they stated they do not have a form that they can present that would qualify as a deletion letter. I have this all documented in an several emails we have exchanged. The credit bureau stated to file a complaint with FTC and their website redirected me here. Can you please assist with removing this from my credit report as I was given inaccurate information and credit score was run under false pretense. Thank you
Consumer complaint received 2024-05-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC. (MA)

I opened this line of credit with XXXX XXXX in XX/XX/XXXX. I had no problems with drawing money from the line of credit or making payments on the line of credit with XXXX XXXX. The problems started when the line of credit transferred to SoFi on XX/XX/XXXX. 

SoFi has incorrectly calculated my XXXX, XXXX, and XX/XX/XXXX payments. In addition, they have incorrectly applied my payments for XXXX and XX/XX/XXXX. Specifically, even though I paid the statement balance in full for those two months, they unilaterally applied a portion of the payment to the principal rather than only applying to the outstanding interest. As a result, after my XX/XX/XXXX and XX/XX/XXXX payments, SoFi said I had a small past due amount. If I had not been paying close attention to my SoFi portal, I would not have noticed this past due amount and would have incurred a past due fee and presumably a negative mark on my credit report. 

I have attempted to resolve this issue with SoFi multiple times. They have been extremely unhelpful and have said they need to investigate and will get back to me. They have always failed to get back to me. 

I am not sure if SoFi simply has buggy software or if they are intentionally misapplying payments to cause people to rack up extra fees. Regardless, this is unacceptable and their lack of customer service is appalling.
Consumer complaint received 2022-04-21
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

Im a natural person/ not a third party Discover bank failed to provide me a debt validation letter, an audit trail, a sign invoice, audit trail pursuant to gaap, and a contract/cardholder agreement. These documents I requested are to validate this debt is mine and that I lawfully am obligated to pay this debt. Pursuant to 15 usc 1692g, after 5 days within initial communication with me they were supposed to provide me the debt validation, now they must cease communication with attempts to collect this unlawful debt. An billing statement and a statement of allegation doesnt constitute as a debt validation, I the original creditor dont validate this debt because I gave an extension of my credit to discover bank and gave them the right to become a creditor to incur debt. They continuously furnish inaccurate information upon my report and willfully noncompliance with the truth in lending act/ fair credit reporting act/ fair debt collections practices act.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (NJ)

rerpoting incorrect information 15 U.S.C 1681 SECTION 604 A SECTION 2 FAIR REPORTING ACT XX/XX/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  XX/XX/XXXX XX/XX/XXXX XXXX I do not recognize these inquiries on my credit report and did not authorize them to my knowledge. I have reached out to companies regarding these inquiries and have not received any responses on multiple dates.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (TN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I have a Coinbase account, which I've used previously to purchase Cryptocurrency via Bank Transfer ( ACH ). Coinbase displays on the confirmation page how much of a purchase is available for immediate transfer and how much is subject to a holding period. On the confirmation page for this purchase, Coinbase indicated that {$1000.00} was available for immediate transfer ( and any amounts above {$1000.00} would be subject to a 9 day hold period ). After making the purchase, Coinbase changed the policy and restricted my funds for 9 days. They have not honored the terms of the service they displayed when I made the purchase- which makes this a bait-and-switch. I contacted Coinbase, explained the terms that were offered, as well as the prior transactions I had made on these terms. Coinbase refused to honor the terms they offered when I made the purchase. My funds are now locked in their account for 9 days and not available.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, According to 15 U.S. Code 1666b- Timing of the payments, these late payments are not valid and also are inaccurate due to how they are reporting the late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is not accurate and is a violation of my consumer rights. 


15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 



15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (TX)

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. 
-XXXX  XXXX : XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights -XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-21
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. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX : account number XXXX XXXX XXXXXXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX  15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my instructions.
Consumer complaint received 2022-04-21
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, these accounts : XXXX XXXX Account ending in # XXXX for {$140.00} ; account ending in # XXXX for {$3200.00} ; account ending in # XXXX for {$140.00} ; and account ending in # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX  Account # XXXX has violated my rights. 15.U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I applied to my bank, XXXX, for small personal loan of {$3000.00}. Equifax repeatedly blocked queries from XXXX for proper information to approve my loan application. I called Equifax and was told I needed to send them multiple documents before they could correct my DOB, ( date of birthXXXX ), information. First I was told I could correct it myself on line but there is NO such link to do so. I called that misinformation to their attention and was told the only recourse I had at that point was to send multiple forms of identification and wait for a response. All for a date of birth update. Meanwhile my bank will not approve a small personal loan. There are NO freeze or alert on my credit report at Equifax despite them blocking any credit inquiry.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Ive filed a complaint with Bank of America about force a close account when it was there fault scam customer because Ive reported them to you guys they now threaten shut down my credit card Ive never miss a single payment always pay on time had it for several years Bank of America says since I term them in there now force shut down my credit card this will lead to a law suit if I continue be taken adavantage of I will hire lawyer start legal court case against Bank of America there not even close my regular checking account that was suppose to be closed XX/XX/XXXX Im looking into take legal action now your not doing anything about this Ive save everything to show Bank of America is fully at fault with calls messages text emails they claim they dont do if it take court to tell bank there in the wrong then let it be that way Ive never miss a payment for them to do such. Thing because I turn them in is absolutely unacceptable
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-14
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)

TransUnion claims they did an investigation which did not solve my disputes. There are XXXX items disputed on my TransUnion report and they were not address by TransUnion. Per FCRA if after XXXX days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. TransUnion continuously ignores my disputed and just claims that things were verified. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for TransUnion to be in compliance. At this point TransUnion is in direct violation on multiple accounts according to FCRA.