davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AR)

I called to speak with Nelnet on XX/XX/2024 about XXXX about the interest accrual and why it is so high on the amount and the rep didn't even look at the account and just started making excuses ( Maybe it was interest you had before ), we haven't been accruing interest for 3 yrs and now every month it is accruing incorrectly. I want this account looked at because it makes no sense to have approx. XXXX accruing every month on a XXXX balance if the interest is 6.8 %. And what is this capitalized interest? Nobody wants to answer questions but sure are happy to collect money. I feel like we are getting ripped off out here. These reps are incredibly unhelpful.
Consumer complaint received 2024-01-09
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I received XXXX XXXX  during my XXXX XXXX  that I have been paying off through ECSI Heartland for years now. In XXXX, my university ( XXXX XXXX  ) decided to liquidate the loan and it was sent to the department of education. 
1. I never receive any information about this ( just a billing from the department of education ) and the address on file was correct.

2. I have been on this ridiculous attempt to get the department of education ( efpls.gov.ed ) to process a significant balance missing - approximately {$850.00} is missing. I have contacted ECSI Heartland & the XXXX  and have confirmed that they have indeed mailed AND REMAILED a check with this balance yet the department of education portal does not reflect this. 
3. When I call the department of education - the individuals are completely useless. I am told to call the school or ECSI heartland even AFTER telling them they have mailed the check already and have even dates/ records of them doing this. 
4. This is complete theft- I am paying interest months now on the incorrect balance with no possible way forward to mitigate it. 

The case number from ECSI Heartland is : XXXX The portal from XXXX is not useful - I can not find extraneous information to provide.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I am writing to formally dispute and express my concern regarding an inaccurate credit report filed by USAA, which has had a detrimental impact on my XXXX XXXX. My purpose in reaching out to you is to request assistance in rectifying this situation and ensuring that my consumer rights are upheld. 
I recently obtained a copy of my credit report and was dismayed to discover that USAA had reported a XXXX late payment on my account for the month of XXXX. I wish to assert that this information is entirely inaccurate and does not reflect my payment history with USAA. 
In XXXX, I made my regular monthly payment of {$330.00} to USAA on the XXXX, which was well within the due date. Additionally, I mistakenly made an extra payment of {$330.00} on the XXXX of XXXX. This accidental payment was not intended as I had already paid my monthly obligation. Therefore, not only was I not 30 days late, but I actually made an extra payment that month. 
I believe that USAA 's reporting of a XXXX late payment on my account is in violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that credit reporting agencies and creditors must provide accurate and verifiable information to consumers ' credit reports. In this case, the information provided by USAA is demonstrably false and does not accurately represent my credit history. 
Furthermore, I wish to emphasize that under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and have it corrected promptly. I have attempted to resolve this issue with USAA directly by disputing the inaccurate information with them, but they have not taken appropriate action to correct their error. 
I kindly request that you intervene on my behalf and investigate this matter thoroughly. I believe that USAA should be held accountable for their inaccurate reporting, and the XXXX late payment entry should be removed from my credit report immediately to restore the accuracy of my credit history. 
Please find attached copies of relevant documents, including proof of my XXXX payments to USAA, to support my dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution that upholds my consumer rights and restores the accuracy of my credit report. 
Thank you for your assistance in this matter. Please do not hesitate to contact me if you require any further information or clarification
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MI)

To Whom It May Concern, I am writing to formally file a complaint against Kikoff Lending LLC for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Kikoff Lending LLC ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Kikoff Lending LLC reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that XXXX XXXXXXXX XXXX take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate { {$0.00} } balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Kikoff Lending LLC will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I mailed in a 3rd party check to pay down my credit card ( Macy 's Amex/CBNA ) in the amount of {$10000.00} on XX/XX/XXXX. I received an email on XX/XX/XXXX 'Confirming your Billing Dispute '. I did not create a billing dispute so I called and spoke with someone who kept claiming I had created the dispute. I escalated to a " supervisor '' who told me the dispute was created in their back office but she was not sure why and that they shouldn't have used the wording. The dispute created stated the following : Mailed Payment is Missing, amount {$10000.00}. I had not called to let them know of the payment and had not checked to see if the check had cleared my account prior to this dispute being made. The person I spoke with said that they would look into it and for me to give it a couple days and then call back. Which I did on the XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. All calls that resulted in the same thing, they didn't know anything about the payment and could not tell me why the dispute was created. On XX/XX/XXXX I spoke with another " supervisor '' who advised that she would send a letter to their back line team to find out why they created the dispute and they would have 5-7 business days to respond. I called the third party who wrote the check and the check cleared on XX/XX/XXXX. I had to make a payment on XX/XX/XXXX in the amount of {$380.00} as to not incur a late fee, a payment that was on the total amount of the bill even though I had already made a {$10000.00} payment that they have somehow misplaced. As of today XX/XX/XXXX, the payment is still not showing applied in my account but I verified that the check did clear on XX/XX/XXXX.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (TX)

I was given a cashiers check after my mom passed away to help me with bills as Im a single mom. I deposited this check into my account along with another check. That other check was invalid and that company had to send me another check but Citibank closed my account anyways. They said theyd send the balance which would have been the entirety of the cashiers check in 90 days after the account was officially closed. I never received it. When I called they said the check was clear to cash elsewhere and when i deposited it into my other account it was kicked back saying Citibank cashed it already. Citibank cant figure out where my money is or why I cant use the cashiers check. Ive spent hours and hours on hold waiting for calls calling back its been over a year. I saved the cashiers check for an emergency but they have no time limit. So I didnt deposit it until XX/XX/XXXX. It was from XX/XX/XXXX when my mom passed. Its now XX/XX/XXXX and they still have not provided answers or the money or released it to be cashed elsewhere. I was told to go into their institution in XXXX XXXX. Well thats a call center. I learned that when I got there. This is money I need to support my kids. Ive been charged fees over this cashiers check Ive depended on them sending it to me yet they have no idea why I didnt receive it or where it is.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (GA)

I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.
Consumer complaint received 2018-01-31
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. (CA)

XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (SC)

On XX/XX/XXXX, I got a flurry of notifications on my phone from the Current banking app saying I successfully created a virtual card ending in XXXX, money had successfully been transferred to XXXX and XXXX from XXXX and XXXX, and that I had made a bunch of ~ {$100.00} purchases at a XXXX in Florida. 

All of this was confusing to me because I hadnt logged into the app since the evening before ( XX/XX/XXXX ) to pay my {$2100.00} rent and another $ XXXX-ish for some credit card payments. 

I tried to tap the notifications to login to the app and was locked out. I emailed XXXX. XXXX told me that no account was associated with my phone number and asked do I remember the email and phone number I signed up with. I told him this. He never replied. 

I had to call Current several times on XX/XX/XXXX to even get assistance. I wasnt receiving codes to my phone for a few minutes and restarted my phone and XXXX. I couldnt access my account until I had my wife try to enter my credential on her phone. 

My checking account which had around {$2400.00} in it the night before was at around - {$73.00}. My savings accounts has been cleared. Two random teen accounts has been added to my account and they even had a new physical card shipped to them at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. {$4000.00} of my savings was transferred from the teen account XXXX ( short for XXXX ) to the Current Pay account XXXX. {$2000.00} of my savings was transferred from the teen account XXXX ( short for XXXX which was an incorrectly spelled version of XXXX alter ego ) to the Current Pay accountXXXX. Another transaction for {$2400.00} even occurred at XXXX XXXX WHILE I WAS ASLEEP. 

I have done support chats numerous times where reps ask me to give them 2-3 minutes to review my account multiple times just to tell me theyll need to continue investigating and that theyll get back to me via email. Nothing works. 

Today, I even had a rep named XXXX tell me there was no way for me to dispute the transactions I described AND provided screenshots and receipt numbers for AND proved were not done by me just because they were transfers between my savings pods and spending accounts. 

This has been a mess for me.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Management Solutions, L.L.C. (TX)

This collections company reported to the credit reporting agencies that I defaulted on a debt that was not mine. My credit scores dropped 65 points which resulted in me having to pay a much higher interest rate on a home loan I recently acquired. The debt is not valid to begin with, it was assigned to a XXXX XXXX   XXXX  that I owned in the past. Somehow this collection agency got my birthday and SSN and reported to all the agencies. I contacted the collections company and explained everything and they refused to change the misreporting.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-06
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. (MD)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report, which has greatly impacted my life and credit health.
Consumer complaint received 2024-01-08
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WI)

I filed a complaint against venmo and thy unfroze my account=XXXX XXXXXXXX at XXXX XXXX at XXXX i attempted to transfer my money and my account was immediately froze, I contacted venmo and they put in a ticket for support, at XXXX XXXX i received an email that my account was unfrozen, AGAIN I attempted to transfer my money and was FROZEN IMMEDIATELY, I just want to take my money off.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.