davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

An account was opened without my knowledge. I did not open an account with Macys and my personal information was stolen and used to open up various accounts without any of my knowledge. I need this collections or charge off remove from my account and I do not want it to appear on my credit report for all three bureaus not now or ever again in the future.
Consumer complaint received 2023-09-25
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. (UT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MT)

On Tuesday, XX/XX/2023 I submitted my application for the SAVE Repayment Plan on the Federal Student Aid website. The confirmation email from FSA states : We have sent your income-driven repayment ( IDR ) plan request to your federal loan officer ( s ) to process the request. You can expect to hear from your service ( s ) within four weeks, but it may take longer if additional information is needed from you.

( See Attachments : XXXX XXXX XXXX ) Nelnet is my student loan service. On my account dashboard it states : APPLICATION REQUEST : Were reviewing your repayment plan application we received on XX/XX/2023. Please allow time for your request to be completed. 

( See Attachment : XXXX  ) Interest resumed on XX/XX/2023 and my payment was due by XX/XX/XXXX. ( My next payment due date is currently listed as XX/XX/23 which I have already paid and payment has been accepted. 

( Compare Attachment : XXXX XXXX XXXX  ) When I called Nelnet the automated answering machine states that email is the best way to receive information from Nelnet. I have received emails preparing me for the start of the repayment process. However, I have not received any emails from Nelnet regarding the status of my SAVE application request nor requesting any additional information. 

Nelnet has not contacted me within the contracted 4-week window. The servicer has not accepted or denied my SAVE application, nor requested additional documents. This has led to interest added to my federal student loans balance which would be paid on my behalf if my SAVE application was accepted.

( See Attachment : XXXX ) The Federal Student aid website, under the page SAVE Repayment Plan Offers Lower Monthly Loan Payments states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest.

( See Attachment : XXXX XXXX I have tied to reach out to Nelnet directly to fix the problem. And have been unsuccessful at requesting information from the company because I can not get through to a customer service representative. 

On Monday, XX/XX/2023 at XXXX XXXX : I called Nelnet twice to speak with a customer representative to discuss my loan terms. 

The automated called asked for my social security number, birthday, and zip code. The automated message said the the call center was not open and automatically hung up. 

Nelnets Website state that the call center is open Mondays XXXX EST. 

On Tuesday,XX/XX/2023 at XXXX XXXX : I called Nelnet again. Gave my social security, birthday and zip and instead of hanging up I was transferred to hold. The automated message stated it would only take a few minutes to wait on the line for the next available representative. I held for ~ an hour and did not get through to a representative.
Consumer complaint received 2023-10-05
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: Fidelity National Information Services, Inc. (FNIS) (MI)

Inquirer : MICHIGAN XXXX XXXX. XXXX XXXX. Inquiry Date : XX/XX/2023 Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Investigation into these fraudulent inquiries came back as verified instead of being removed from my report. 

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

According to 15 USC 1681b ( 1 ) the consumer reporting companies do not have written permission.

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

According to 15 U.S.C 1681 the consumer reporting companies can not furnish an account without my written permission According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting company 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 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

Submitted a complaint here and received my Navient Misconduct Discharge Application on XXXX. I filled out the application and was denied. 
I like many other victims went to a school that caused harm and conducted in acts that resulted in discharge approval for others that went to my school. XXXX XXXX XXXX XXXX XXXX. I would like to appeal and fill out the application to discharge my private loans as well as send in more evidence against the school I went to.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

To who this may concern, I am writing to express my concerns with the conduct of Experian, XXXX, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Consumer complaint received 2022-12-12
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX and XXXX reporting the account status being closed but Trans Union is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX someone stole my identity information and attempted to get credit cards with this information. I have been working since then with all three credit bureaus and basically have things fixed with XXXX and XXXX, but Trans Union refuses to make the corrections without this report. 

There are XXXX fraudulent hard inquiries showing on the TransUnion credit report on XX/XX/XXXX : XXXX and XXXX XXXX, which was for a XXXX credit card. Weirdly, both of these attempts were successful in opening accounts although they did not appear to have my Social Security number, thank XXXX. I called XXXX and I called XXXX XXXX and reported these fraudulent hard inquiries and they both told me they would contact the credit bureaus. I believe they have done so because it appears to be basically resolved with the other XXXX credit bureaus but Trans Union won't resolve it and keep lowering my credit rating, which was XXXX when this all started. 

I think the way this happened is that someone was able to get into my XXXX account using my email address, and then changing it to XXXX of their email addresses so they could access everything in that report I guess. Who knew it could be that easy.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I, XXXX XXXX was added as a authorized user on the account and they are reporting to Transunion specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXX until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXX until XX/XX/XXXX whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

XXXX  will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me XXXX different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Consumer complaint received 2023-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I considered opening a CD with USAA ; as I was going through the process I started getting presented with numerous consent forms. I became uncomfortable with what I was being " required '' to consent to so I decided to cancel the process. None of the consent forms appeared to provide an option to cancel so I navigated back to my account summary page. When it loaded, I noticed USAA had already withdrawn the funds for the CD from my account. I immediately contacted USAA customer service and explained the situation. I was told I needed to call back in seven days because my funds were locked and there was nothing that could be done. The following day I received a notice from USAA that I needed to sign additional forms and return them, and until I do so, any interest on my account would be directed to the IRS. This is directly from the noticed I received : " Your new Certificate of Deposit, or CD, account has been placed in backup withholding until we receive a signed Tax Certification W-9 Form. When placed in backup withholding, the IRS requires us to send them the applicable percentage of interest, rewards and incentives earned on all your accounts. '' A CD account should not be created, nor funds transferred from a customer account until all required forms have been received. Receiving an email stating I needed to submit forms indicated I didn't complete the process and the funds should have never been transferred. 

Today, XX/XX/2023, I contacted USAA as instructed to request the funds be returned. I again explained the situation and was told that the " agreement '' to open the account had already been signed and submitted so there was nothing they could do without me paying penalties to transfer the funds back. I was told to do so would violate Federal law. I explained that I had been presented with a series of consent agreements which I didn't complete so the funds should have never been transferred until I agreed to all consent forms. I was told that once I navigated into the series of consent agreements, I had already " agreed '' to open the CD account, despite not consenting to all of the agreements. The workflow process of the website is very deceptive and misleads the customer because funds should have never been transferred until all consent agreements have been agreed to by the customer. It seems as though the website workflow process has been intentionally designed to commit customer funds in a misleading manner.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts. 
There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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. (TX)

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. Equifax sent me a letter claiming none of the inquiries I placed on my letter wasn't on my report when indeed they are still reporting the inquiries on my report. I attached the letter below. I called and all they did was tell me to resubmit the dispute by mail, which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please. XXXXXXXX XXXX  had no permission to pull my credit report or XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away
Consumer complaint received 2024-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

They are trying to get me to pay a debt that I did not open it's over 20 years old and now on my credit report. I didn't know what this debt was even for now I do it for a credit card that I personally never opened and I have not had the last name in over 20 years.