davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report I am writing to dispute unauthorized hard inquiries on my credit report that I believe were not made by me or without my consent. These inquiries have negatively impacted my credit score, and I do not recognize or recall authorizing them. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I have the right to have these inaccuracies investigated and removed if they are found to be fraudulent or made in error [ ^1^ ] [ 1 ].

The Metro 2 Compliance standards, which are designed to ensure accurate and fair credit reporting, further support my right to dispute these inquiries. As such, I expect that TransUnion will adhere to these standards and conduct a thorough investigation into each inquiry listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Reported XX/XX/XXXX Please provide documentation that verifies I authorized these credit pulls. If such documentation can not be provided, I request that these inquiries be removed immediately from my credit report. 

I am aware that credit inquiries can have a negative impact on my credit score, and I did not authorize these inquiries which I believe to be incorrect. I request a prompt response to this dispute within the statutory 30-day period as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After disputing inconsistencies on my credit report the accounts I reported have been updated inaccurately. Which has resulted in XXXX XXXX XXXX XXXX repeatedly call and text me non-stop. This has ruined my quality of life by constantly being harassed by a creditor after I reported them to the CFPB instead of them recognizing the creditor 's inaccurate reporting is a violation of FCRA Consumer Laws they allowed the creditors to update the debt inaccurately and added 7 years to my credit report. I receive text messages, calls and emails 4-5 times a day my email box is flooded with threats for an account that was reported inaccurate over 3 months ago.
Consumer complaint received 2023-05-31
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I reserved a reservation on XXXX in the amount of {$630.00}, the owner of the listing Cancel the transaction and I received the two credits one was for {$310.00} and the other one was {$68.00}, Im still missing a credit offer {$240.00}, I called the customer service to dispute the transaction as I was not able to dispute it online, it was a pain in the neck to do it because I was a transferred from one department to another, the first department asked me all the information and then later they told me that they need to transfer me to the dispute department to dispute this transaction, I told them to describe everything to the Dispute department agent to which the gentleman agreed, but when I reached the lady at the Dispute department, she asked me for my credit card number, and my name, which was already automatically verified by the system, if you guys need to ask the credit card number again again why do you put that information on the automated verifying machine? 

This happens every time that I need to dispute the transaction and its a pain in the neck and you guys never take care of it, you guys always harass me, always waste my time, and I will be stopping using your credit card, because this is enough, you do not have an online chat system, I can not dispute a transaction online. This is a complete joke. 

The call goes to XXXX and it seems they intentionally harass the customers, by asking them to verify their credit card details again and again when it is already verified on your automated machine.
Consumer complaint received 2023-05-31
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. (TN)

The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2023-03-20
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Consumer complaint received 2023-05-31
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, XXXX : XXXX, XXXX : 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 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I must convey my concern regarding the persistent failure of Nelnet to acknowledge and address your repeated attempts to provide feedback regarding the allocation of overpayments towards loans with the lowest outstanding balances. 

Despite your diligent efforts to communicate your preferences for the allocation of funds, Nelnet has displayed a pattern of disregard for your requests, thereby failing to adhere to the terms and conditions outlined in your loan agreement. Specifically, Nelnet 's refusal to post overpayments in accordance with your explicit instructions to prioritize loans with the lowest debt first constitutes a breach of contract. 

This ongoing failure on the part of Nelnet to comply with your reasonable requests not only undermines the integrity of the contractual relationship between you and Nelnet but also raises concerns regarding Nelnet 's adherence to regulatory requirements governing loan servicing practices. 

In light of these circumstances, I am prepared to take appropriate legal action to ensure that Nelnet rectifies this matter promptly and in accordance with the terms of your loan agreement. It is imperative that Nelnet acknowledges and respects your rights as a borrower, including your entitlement to have overpayments applied in a manner that aligns with your financial objectives and preferences. 

Please be advised that further failure on the part of Nelnet to address this issue satisfactorily may necessitate escalation of this matter to relevant regulatory authorities and pursuit of legal remedies to safeguard your interests and enforce compliance with applicable laws and contractual obligations. 

I strongly encourage Nelnet to reconsider its position and take immediate steps to remedy this situation to avoid any further escalation of this matter.
Consumer complaint received 2023-07-23
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: DISCOVER BANK (GA)

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Consumer complaint received 2024-03-20
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. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX # XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account name : XXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.
Consumer complaint received 2023-02-09
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. (SC)

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 corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2023-07-23
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX has violated my rights.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports.

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX I initiated a balance transfer of {$2500.00} to my Barclaycard account from my XXXX XXXX. According to XXXX XXXX their check was cashed by Barclaycard on XX/XX/XXXX and It is now XX/XX/XXXX. After a call to Barclaycard they state that they can not look up the payment, check number or any other information and it is up to me to provide ETF, routing numbers, check images etc. XXXX XXXX emailed me a letter stating they sent the payment but Barclaycard states that is insufficient I have had the same problem with Barclaycard in the past.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (DE)

On approximately XX/XX/XXXX I noticed several unauthorized charges to my account from XXXX. I was alerted because I had just recently turned on my notifications for Chime. At first Im thinking its for my XXXX subscription but I knew something was incorrect once I had been charged like XXXX  times in a XXXX wk span. Immediately I reach out to XXXX who is initially confused because according to them no charges had been made on my account. As they look into the matter they see that my card info was in fact linked to another persons account and that they had been making charges to my card since XX/XX/XXXX. At this point im extremely annoyed because XXXX wont tell me who is using my information and also let me know that they had no way to remove my card from that account. Now I call and speak to several representatives at Chime explain the situation and filed a dispute. They denied my claim. Long story short I have talked to countless representatives/supervisors from both Chime and XXXX and I am still in the same situation that I started in. While unfortunately I have to keep my card locked because this person continues to make attempts to purchase things.I evn cancelled my on subscription and asked Chime multiple times to block the merchant but again it continues to happen. I have to say that at least the XXXX employees did everything that they could to help me figure out what was going on including them helping me figure out that the card that was linked to this other account was a card that I had deactivated but for whatever reason they are still able to use it. I am at a loss of over XXXX at this point and no one cares. When I filed these XXXX disputes I provided emails from XXXX stating what card was being used and that the account was in no way linked to me. I also sent Chime pictures of my transaction history from XXXX dating all the way back to XXXX which clearly shows every purchase I made. Now when I appeal it they almost immediately deny it. Im at my wits end and just need some assistance, please help!!
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving an XXXX product that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XXXX XXXX XXXX  Merchant name : XXXX Disputed amount : {$50.00} Amount to be rebilled : {$50.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if XXXX also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( XXXX ) will remain ). The temporary credit of XXXX This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Consumer complaint received 2024-03-17
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: EQUIFAX, INC. (NY)

I have already submitted one complaint with you XXXX. You emailed me stating it was resolved as it wasnt resolved. 

I need the dispute comments removed from the report and they have not been removed. I have contacted the company several times. I need them removed for mortgage reasons. Its for the XXXX account and to XXXX accounts. I have pictures I took today that I logged into the account and it shows the comments are still there. Please help me get them removed!