davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CO)

I submitted a one-time online payment totaling {$5200.00} to my student loan account spread out over XXXX loan groups on XX/XX/2023. I received a confirmation email, including confirmation numbers for each loan group, from Nelnet on XX/XX/2023. As of XXXX, XX/XX/2023, the money for that payment has not been taken from my bank account nor credited to my Nelnet account. On XX/XX/XXXX I called Nelnet and, after waiting on hold for an hour and a half, the representative I spoke to was able to locate the pending payments by using the emailed confirmation codes. The representative informed me that the department handling the one-time payments was overwhelmed and that I should expect the payment to post no later that XX/XX/2023. The representative also informed me that the interested accrued from the time I submitted the payment to the payment being processed and posted to my account would not be applied to my account. It is now XX/XX/2023, over XXXX weeks from the initial payment, and there is no pending payment visible on my online Nelnet account and the money has not been debited from my bank account. I have received no correspondence form Nelnet regarding the delay, and I've left in limbo with a large sum of money in my bank account without any concrete date for the money to be debited and posted to my Nelnet account. The lack of proactive correspondence from Nelnet when such a large sum of money is involved, and the delays associated, has been incredibly stressful.
Consumer complaint received 2023-07-26
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. (GA)

I filed a dispute with XXXX and Transunion on XX/XX/2023 about XXXX XXXX XXXX collections account that was opened on my credit report XX/XX/2023 stating i owe {$790.00}. A dispute was filed because I have no knowledge of this account. XXXX and Transunion marked the account as accurate and verified and closed my dispute. I have thoroughly reviewed my credit history and financial records, and no evidence of this account 's existence or any related transactions have been found. They did not provide me with written verification and validation of this debt that they claiming to be mine. I am eager to resolve this matter promptly.
Consumer complaint received 2023-07-26
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. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (SC)

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.
Consumer complaint received 2020-01-09
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

( 1 ) The former compliant number XXXX The XXXX XXXX XXXX authorized IC system to settle by {$1800.00} of the total invoice {$3000.00}. But I didn't received the revised Official invoice in mail? I need those official revised invoice to make payment ( 2 ) I have attached of my insurance company paid Statement which shows the room and Boarding are duplicate charges? 
I need XXXX XXXX care to explain why had duplicate charges for the same period XX/XX/XXXX-XX/XX/XXXX for room and boarding? 
( see attached ) ( 3 ) I am keep one receiving a lot of doctor 's Bill separately? but according to the XXXX invoice statements they already charge the XXXX XXXX and XXXX XXXX XXXX Team?
Consumer complaint received 2023-07-25
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)

Last month I filed a complaint with the CFPB, about how TransUnion continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. I also want the Hard Inquiry 's that belong to my son removed from my profile. Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both XXXX XXXX
Consumer complaint received 2023-07-26
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019 I attempted to make a transaction for XXXX through the XXXX link attached to my bank account ... When I alerted the bank of suspension of fraud because the Original contact person name did not match the bank information associated with the phone number linked to the account. I was told even though the XXXX is linked to the account they would not be responsible for the transaction which is misleading considering its associated with an institution whos standards are morally ethnical..
Consumer complaint received 2023-07-26
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. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-26
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. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX  and financial XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BELMONT FINANCE LLC (NC)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 0 2 states I have the right to privacy ( 15 usc 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purposes. 

XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-07-26
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$670.00} XX/XX/2020 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (IL)

I have a prepaid paypal card that I use to transfer sales from XXXX. It's not much ( maybe XXXX usd per year ). NETSPEND CORPORATION ( the company behind paypal prepaid debit cards sent me a new card ( via regular mail ) that looks like I need to renew. So like anyone, I opened the envelope, called the number on the card to activate. 

It turns out this was just a solicitation to open a new account ( BUT IT LOOKED EXACTLY LIKE A REAL PAYPAL MASTER CARD ). They asked me for my social security number, card number and number on the back of the card and sent me an email with a 4 digit code. At the time, I thought this was unusual, however checking my pay-pal account, I noticed that the card was not available, nor was it recorded as a replacement card. 

I'm not even going to go into how rude and deceptive their XXXX call center is where everyone is named " XXXX ''. 

NETSPEND CORPORATION is a predatory financial institution. The deceptive practices they use to get people to load up money onto a prepaid debit card is beyond underhanded.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (TX)

In XX/XX/2022, I struggled to pay the payday loan due to the high interest on the loan. I made my payment on the day of the due date, but the payday organization stated I should have paid my loan on time and reported it as late on my credit report. I spoke to them via phone numerous times, but they said there was nothing they could do. The following payment due date arrived, and I stated I needed additional time to pay the loan of about an additional seven days. The payday loan company continued calling me every other day despite giving them a day I could pay. The company stated they must call me every three days even though I gave them a day I could pay. When I couldn't answer my phone, they would call my Mom, Sister, and distant family member. My family members stated that a loan company ( XXXX ) called them asking if they had heard from me and that I had a past-due balance with them. The loan company called my job as well, and I asked them not to call the job phone again because it is for critical patient care, and they are tying up the phone. The loan representative stated they called multiple departments looking for me and needed help locating me within the hospital where I work. I never permitted them to call the job number they called because I work with critical patients. The harassment from this company is a very unprofessional practice, and my family or job should have never known that I was past due ( several days late ) on my loan.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I am victim of XXXX because of being exploited using a marital dispute I had to separate from wife XXXX because of health issues and erotic immaturity some criminals related to and that could use surname of XXXX had injured killed my mother and injured me and I have no information about XXXX and is fault of banks or some fraudulent XXXX by thieves. Please request XXXX or help her to fly back with me to usa she is reported to be married after XXXX sold to XXXX  and I have no income some fraudulent might be taking a share of my income or controlling my wealth supporting her she should be living with me in California as a family I have no other I have no children I have to rescue myself and her to California and lead our lives
Consumer complaint received 2023-10-19
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: Self Financial Inc. (AL)

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
SELF FINANCIAL/XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX  Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXXXXXX Bankruptcy. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. 
SBNASELFLNDR Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy XXXX XXXXXXXX. 
SELF XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX  XXXX Bankruptcy. 
XXXX  XXXX bankruptcy petition Potentially negative all are still reporting negative items to my account Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX All of these are discharged from my bankruptcy and still showing up
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 XXXX XXXX. XXXX  XXXX XXXX, NE XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : Dept of ED/ XXXX XXXX Unverified Account
Consumer complaint received 2023-10-19
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: Credit Corp Solutions Inc. (PA)

I filed a dispute via XXXX asking for credit Corp solutions account # starting with XXXX to provide the following information to verify the account pay off disclosure interest disclosure balance history payment history credit insurance date opened & current balance none of these items were provided & Id like this removed off my credit report immediately