davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late f purpose.
Consumer complaint received 2021-04-14
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. (WA)

XXXX asked trans Union to verify my identity after a fraud alert was on my credit report. Trans Union used false information on my contact information, claiming they got it from another credit bureau. Trans Union 's erroneous information caused the denial of credit and a needless hard inquiry. I've asked Trans Union to remove the hard inquiry, and they prompted me to have XXXX and XXXX XXXX  write a letter to authorize the removal of the hard inquiry. Both XXXX and XXXX XXXX have delayed getting me a reference number to verify they will give me a letter to authorize Trans Union to eradicate the hard inquiry.
Consumer complaint received 2023-06-26
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: American First Finance, Inc. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-31
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: EQUIFAX, INC. (IN)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. (AZ)

I reviewed my customer reports and noticed that I have multiple late payments on an account that I was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included Screenshots inside this complaint there are multiple dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proofread statements showing that these payments were late if proof can't be provided I demand these payments be updated to pay it as agreed on time as they should be due to the fact I was never late thanks please see screenshot attached
Consumer complaint received 2019-07-31
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: Nelnet, Inc. (NC)

XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1400.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$7300.00} XX/XX/XXXX - {$4500.00} I contacted all three credit bureaus explaining that these account were deferred.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (IN)

As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... 

= = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. 

As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. 

Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. 

When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. 

As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. 

Faxing this letter to XXXX. Also emailing a copy to XXXX. 

= = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.
Consumer complaint received 2021-04-14
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. (FL)

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I had an unauthorized withdraw for my checking account. I was at XXXX market in XXXX, CA. As I approached my vehicle a female, aprox XXXX ft with XXXX XXXX informed me that I dropped a {$20.00} dollars bill inside the store. I told her that I don't have cash in my wallet, but she kept telling me to " CHECK MY WALLET ''. At one point I took my wallet out of my purse and I show it to her. ( This female was talking on the phone all the time with somebody. ) I got in my car and then she come at my window and said that she checked her wallet and that the {$20.00} dollar bill was hers. I gave her the bill and she walked away. After that I called my son, telling him what happened and he told me to check my wallet to make sure nothing is missing. When I checked my wallet the debit card was missing. My son told me to check my chase bank on my phone. When I did, I saw a statement regarding an unauthorized withdraw from my checking account for a {$1000.00}. I called the bank right then to cancel the debit card but my waiting time was around XXXX XXXX. By the time I canceled the card, the withdraw was done. My son and I went to the bank and we found on the floor 2 more receipts- one for {$500.00} and one for {$200.00} that were declined.
Consumer complaint received 2022-12-04
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. (IL)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

16 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One Capital One card with a 12 year Credit History, another Capital One Card with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My dispute was received by all three credit bureaus ( XXXX, XXXX, and Experian ) and I have got to hear a response after 30 days. The initial dispute was sent on XX/XX/2021.
Consumer complaint received 2015-11-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-BOA atms. My BOA fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked BOA from refund me the fees since their ATM machine was down and they would not. This happens very often!
Consumer complaint received 2022-10-10
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. (OR)

In accordance with the Fair Credit Reporting Act XXXX Account # 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
Consumer complaint received 2022-10-10
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-07-31
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. (CA)

The following companies ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX, XXXX  and XXXX/XXXX XXXX
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank fraud department contacted me claiming UNUSUAL and Unauthorized activity on two Chase Bank credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of JPMChases claims. But These cards are being reported by Chase to my credit report. Chase also believes this account was not opened by me. Therefore, Chase by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by Chase representatives and their fraud department to confirm my dispute. 
1. Chase Freedom Credit Card ending in XXXX 2. Chase Amazon ending in XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I recently had my credit reports pulled by a lender and realized that only XXXX was reporting my data. After much research, it was determined that there is a problem with my social security number. It appears that at some point the last two digits of my social security number were compromised, and now both numbers are associated with my information. 

Please be advised that the last XXXX digits of my social security number are XXXX, but some reports have it as XXXX. This error is having a detrimental effect on my ability to obtain credit and needs to be corrected IMMEDIATELY.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VT)

When I filled out the online form for seeing if I qualified for student loan forgiveness, I found out that MOHELA is claiming that I have made no qualifying payments, yet my loan is decreased by more than {$2000.00}. I make my payments early every month and more than the required amount. I even had a few payments ( like 6 ) made by an employer of more than 2 times the required amount on top of my monthly payment. I have been paying through the forbearance time period and still it says no qualifying payments. I have tried to call numerous times and no one will answer the phone. I am on forever hold and if it does get through, I get hung up on. I filled out an online help ticket and the only response I got for help was a cancellation or closing of the ticket I generated. Why are none of my payments " qualifying '' and if it is so hard to have your payments " qualify '' by their standards, then the early loan forgiveness plan for public service people is a farce. I'm a nurse, I have always worked in small, critical access hospitals. I should qualify. Honestly after the last two years, these student loans for nurses and medical professionals should be 100 % forgiven now... 

Thank you for your help. Sorry for the angry tone, this has been a frustrating endeavor.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Progressive Financial Services, Inc. (CA)

My federal student loan went into default XX/XX/XXXX or something. Progressive Financial Services submitted a form requesting wage garnishment in XX/XX/XXXX. The amount listed under the original request was for {$53000.00}. My loan was for {$40000.00} the {$53000.00} included fee+interest. This collection company has taken over {$73000.00} in garnishment from my wages. My HR department has verified they were paid under the original request. This company has submitted a new request for {$35000.00}. They stated that they will take over {$100000.00} and they will continue to garnish until I stop working because they have the right to collect daily interest and fee 's even though the requested amount from my HR department has been satisfied. I need help. This loan has been paid back twice already and they refuse to stop the garnishments.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX calls repeatedly although I have told them on multiple occasions they have the wrong person - I have never had a XXXX credit card and this is not a case of identity theft as the debt is not listed on my credit report. Yet they continue to call.
Consumer complaint received 2022-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I been contacting equifax XXXX & XXXX every since mad credit card company removed a mistake of a late payment keep calling all 3 and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all 3 companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark
Consumer complaint received 2022-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XX/XX/XXXX, my account was incorrectly reported by Capital One as being closed at my request on XX/XX/XXXX. My most current statement indicates that that the account is restricted. I disputed this report of the account closure with Capital One and the 3 credit reporting agencies. XXXX informed me that they verified this information with Capital One. Capital One suggested I contact the credit bureau. 

In addition I can't obtain a copy of what I agreed to from Capital One. The link with the agreement I entered into with Capital One in XXXX is no longer active. In one response I was told that I entered into the agreement with a third party vendor. I was later told that I entered into the agreement with Capital One and that it was a verbal agreement. If this was in fact a verbal agreement, I was overcharged on the interest rate and am entitled to a refund for overpayment. I need a straight answer from Capital One.
Consumer complaint received 2024-03-06
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. (TX)

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Automatic Data Processing, Inc. (CA)

On XX/XX/XXXX four unauthorized transactions were made using my debit card. The bank, Wisely by ADP deactivated the card and I disputed the transactions. 

XX/XX/XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$79.00} XX/XX/XXXX XXXX   XXXX XXXX {$180.00} XX/XX/XXXX XXXX  XXXX XXXX {$320.00} Today, XX/XX/XXXX, I received a letter notifying me that there was no error and that no credit will be issued. This is unacceptable as these charges are completely fraudulent and these funds were stolen from me.