davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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. (PA)

I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.
Consumer complaint received 2022-12-04
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. (NV)

I was a victim of Equifax data breach. In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (GA)

On XX/XX/XXXX, I consumer XXXX XXXX, sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have not cease contacting 3rd parties, they are attempting to collect a debt that's not theirs or validated. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt.
Consumer complaint received 2022-01-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

After having impeccable credit history for 10 years with B of A and in general, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. B of A did not reach out via phone, email, or regular mail. Upon further investigation it was claimed to be due to " short staffing and covid ''. B of A advised as a " courtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 payment in 10 plus years ) and they " verified '' instead of holding their end of the agreement.
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # 's XXXX, acct # XXXX, acct # XXXX, acct XXXX, acct # XXXX, acct # XXXX, acct # XXXX, acctXXXX XXXX, acct # XXXX acct # XXXX, acct # XXXX, acct # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S. 1681 Section 604 A.Section 2 It also state the consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I made a purchase from XXXX and the order was over {$2000.00} and it went missing. Under the terms and conditions ( which is legally binding ) on the PayPal website, it states that for packages valued over {$750.00}, proof of delivery in the form of a signature confirmation must be provided under buyer protection program. The package has gone missing and PayPal is not abiding by their own terms of service and closed my case siding with the seller despite the cold hard facts that the seller delivered the package and released it without a signature. PayPal refuses to grant me a refund and it is illegal to not abide by their own terms of service.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NY)

I received a Jet Blue Mastercard credit card from Barclays Bank, which I never requested or accepted. I did not activate it. I now am receiving daily bills from Barclays Bank for charges that I didn't make. I called the bank, but the representative would not speak with me unless I gave my name, date of birth, and last four numbers of my social security number. I do not want to give the bank that personal information.
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been battling a debt that is being reported on my credit report which I do not owe. I have always had insurance and have provided proof of that to XXXX XXXX XXXX ; as well as XXXX  XXXX XXXX  ; the collection agency who's collecting on behalf of the credit. They have not done anything about it. I have contacted XXXX XXXX XXXX via fax with proof of insurance. I have faxed it on XX/XX/XXXX with proof of delivery. They stated that it takes 21 days to investigate. I have called back on XX/XX/XXXX for a status update, and they claim that they didn't receive anything. 

These companies do not want to take ownership of their negligence to correctly bill my insurance provider ; XXXX ; after I have done everything to show proof of the error. The burden of proof and accuracy of billing is with the medical staff and not me. XXXX XXXX XXXX is equally at fault as they haven't provided any validation of how this debt is my responsibility after I have cooperated with them diligently to provide them with everything they need. 

I spoke with XXXX on multiple occasions and they have confirmed that they were billed for other services on the same date of service ; XX/XX/XXXX, however never received a request for billing for this procedure in which I'm being punished for. 

This item is not my debt to bear and something needs to be done about it. 

I have enclosed a copy of the following : 1. Proof of Insurance during the Date of Incident 2. Letter faxed to XXXX XXXX XXXX 3. Proof of fax delivery
Consumer complaint received 2021-02-11
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. (FL)

There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.
Consumer complaint received 2023-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by cashapp and XXXX. {$2000.00} XXXX  and {$730.00} cashapp. I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX. I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX  attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (FL)

Federal law requires the Trans Union credit bureau to reply within the statutory time frame, but they have yet to do so. Failure to comply with the request should result in the items in question being deleted immediately. 
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 

XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX,
Consumer complaint received 2022-12-01
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. (NC)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WA)

I am unable to log in to my nelnet account. I have not been provided any reasonable means to reset my password or otherwise gain access. I have contacted a customer service representative and they refused to provide me the ability to gain login access to my own account. I can not receive my tax information from them. I can not change payment terms. I can not access or update my information. I have been given no ability to access my own account. They justify this by saying they don't have an updated email from me, but we have been in email communications so they clearly do. This is unacceptable.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, I visited a local auto dealership to inquire about obtaining a larger vehicle. Credit was denied. ( see attached correspondence from XXXX XXXX XXXX XXXX ). 

In XXXX of XXXX, I was granted full bankruptcy relief as a result of being a XXXX and XXXX to a daughter with XXXX XXXX Our/my debts were the direct and indirect result of her medical condition. She passed away in XXXX of XXXX. 

In XX/XX/XXXX, I secured full-time employment with XXXX XXXX XXXX XXXX My starting salary offer was {$83000.00} and in XX/XX/XXXX, when this credit report was obtained my salary was {$100000.00}. 

Despite these verifiable facts, I was denied credit. Citing " excessive obligations in relation to income '', the credit bureaus are continuing to wreak havoc on my reputation and finances. I have one car loan, I rent, have no credit cards/debt, or student loan debt, yet, I was denied credit. 

PLEASE HELP ME/US. The credit bureaus are archaic and ineffective and are hurting millions of American families.
Consumer complaint received 2021-09-24
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: BARCLAYS BANK DELAWARE (FL)

I'm writing you regarding my credit card payment and the error that has occurred to reporting my account. I was notified that the auto pay system rejected a payment that was made on the banks end. I spoke not only to Barclays Bank but also my bank in order to get this issue resolved. The customer service representative that I spoke to transferred me to different agents and they did not assist me in getting this unfair and error on my account resolved which resulted in not only in an unfair, unjust and incorrect reporting of a 30 day late payment to my credit files with XXXX, XXXX and XXXX. I have submitted a dispute with my bank whom processes payments to Barclays Bank to with a formal letter of resolve and proof of the error is attached for your review. In addition, I have also corresponded with the respective agencies and Creditors listed within this complaint. Im requesting you to handle this as per my rights under state and federal laws that protect me as a consumer. I want to make it clear that Im not making this request an error. My information was incorrectly reported which is why Im writing you for a resolution. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid 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: Chime Financial Inc (NM)

XX/XX/2021, I booked a flight from XXXX XXXX to XXXX XXXX XXXX XXXX using my Chime Visa credit card for the amount of {$1900.00} XX/XX/2021, The XXXX government extends its ban on international travel through XX/XX/2021, to slow the spread of coronavirus. 

I contacted XXXX regarding the travel ban and subsequent trip cancelation. The representative at XXXX promised the airline would issue a full refund in the amount of {$1900.00} XX/XX/2021, I filed a dispute with Chime regarding this matter and provided the dates of the disputed amounts, the name of the airline, and all the information that the bank requested. 

XXXX ( exact date unknown ) received a message in the app from Chime dispute department stating that they do not find an error occurred. 

XX/XX/2021 Received an email from XXXX claiming that they had already processed a refund. 
" Dear Mr XXXX, Thank you for your notification regarding flight XXXX of XX/XX/2021. 

Our records show that there was a chargeback on your flight coupon and we, therefore, suggest that you contact your bank. '' Kind regards, XXXX Customer Services XX/XX/2021, Contacted Chime to inform them that XXXX claims to have issued a refund on XX/XX/XXXX. Chime responded by sending me a copy of my XXXX statement. I asked Chime to reopen the investigation. 

XX/XX/2021 Received the following notification from Chime : Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Cancellation Date Error Reported : XX/XX/2021 Claim Amount : {$1900.00} Hi XXXX, We received your request to reopen your claim listed above. We have reviewed your request and we do not find that you have provided us with any additional information to consider related to your claim. We have reviewed our findings and we stand by our initial decision. We do not find that an error has occurred. We consider this matter closed.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

The company involved is Chase Bank. I have an existing complaint # XXXX, which you have closed. I don't understand how you can close this complaint before receiving my feedback. The response from the company has errors in it and I would like it looked at again. I received the company 's response on XX/XX/2024 and replied to it on your website today.