davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (TX)

Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Consumer complaint received 2023-05-29
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: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CO)

Most of the inaccuracies and inconsistencies with Nelnet have been resolved at this time. However, there are still unexplained inaccuracies on two of my loans. This is on my two XXXX XXXX loans ( XXXX XXXX  and XXXX ). These loans are eligible for a 6 month grace period from my time of graduation from Graduate school. I Graduated on XX/XX/XXXX and thus these loans should have a six month grace period to XX/XX/XXXX with a first time payment due of XX/XX/XXXX. Nelnet informed me that these loans were actually not eligible for a 6 month grace period but were eligible for a 6 month forbearance period if I applied for 6 month forbearance. Nelnet informed me that they would apply for me and that this change would be made for me. Nothing happened. I recalled and they reapplied for me. Nothing happened. I called again and I was informed that the prior two times they forgot to send me an in school deferment request form that I needed to fill out and send back to them. I filled out the form and sent it back to them. They received it and responded saying that it had been approved for loan XXXX. However, no changes were made and my first payment due date is still in XXXX. Furthermore, the response didn't even mention loan AE. 

I would like to provide a little history as well. I have spent 8-12 hours on the phone with Nelnet across 8-10 phone calls over the past 4 months. I am currently unable to reach Nelnet as they state that their phone service is down. This has been the case multiple times. I am tired of Nelnet 's inability to provide answers, their lack of phone support, and the inaccuracies that they have had handling my loans. They continuously delay by stating that my request will take a week to process and then they do not make the change and do not follow up with any explanation.

This has been a 4 month process with minimal progress. My first payment due date is approaching and I would like to have a proper explanation for why the changes have not been made. But most of all I would like Nelnet to honor the 6 month grace period that these loans are eligible for. It has proved impossible to contact Nelnet as 50 % of the time their phone service is down and when it is not I spend hours on hold waiting to talk to a representative who usually does not have answers for me and always says the changes will take ~week to happen ( but they never do ).
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

My first incident with Chase Bank started on XX/XX/2023. I have a new Chase account so this was the first check I deposited into this account. The check I deposited with online banking was in the amount of {$720.00} and the bank placed it on hold. I called customer service and they told me I would have to wait 10 days for the check to clear. First, they said it was because of unusual online activity, even though I verified it was me who did the activity. Then, they said it was because of a {$77.00} overdraft fee, which the check I deposited would have covered. I then called the next day and a rep told me how the process works and that my boss who assigned the check, my boss 's bank, the Chase deposit review team, and I would have to be on a 3-way call to verify the check. That's when I realized I have been lied to. I ended up waiting 10 days and then received my funds. After 10 days, I deposited another check on XX/XX/2023. This check was in the amount of {$1400.00} and was immediately placed on hold when I deposited it with online banking. I called the bank and asked why all of my checks were being placed on hold and every representative was rude on the phone. I got responses like " I would have to wait the 10 days and that it'd nothing you can do about it '', and " It's because the activity in your account is fraud ''. They transferred me to about 6 different representatives. A representative on the phone even became argumentative and said can " Can I ask you a question? '' I answered the one question and he said " I'm not finished with my questions and that he would not help me. '' Long story short another representative called me with my boss and the deposit review team, my boss verified that she issued me the check and the Chase rep said that my check would be taken off of hold within 24 hours. The next day my check was still on hold I called and the rep made my funds available after waiting an hour on the phone, but my card was deactivated so I could not access my funds. The rep said someone deactivated it for fraud. I never deactivated my card and they never asked me if I wanted my card deactivated. There wasn't any activity made after the second deposit because I could not access my funds. I currently have a new card coming in the mail and trying to figure out a way to access my funds. I was told I have to wait for the new card to arrive in the mail.
Consumer complaint received 2023-09-21
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance ( Finance Company ) has received an extra payment of {$6700.00} on XX/XX/XXXX, The company has not applied the payment towards my loan or Loan principal and hence, I have requested to refund the funds. 

The First complaint for refund was submitted on XX/XX/XXXX requesting a refund and the company spent 45 days without a response nor sent me a return check. 
The second complaint was filed on XX/XX/XXXX, The company have informed me that they are ready to forward me a check in 5 business days and I have kept following on the refund status every day until XX/XX/XXXX. 

On every occasion and call I have informed my financial hardship situation and pleaded to consider this issue as a priority and help me ( The customer who never failed or delayed a single payment. ) Me being a XXXX and XXXX XXXXXXXX was taken as an advantage, and been neglected & abused periodically for financial robbery and mental abuse with unnecessary and weird questions. 

Starting XX/XX/XXXX I was abused with weird security questions which were not questioned as a security question since the start of the loan and I am being put on long holds for over 30 minutes cycles for each and every call, and finally the call gets disconnected automatically after the wait.
Consumer complaint received 2023-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

I have received bad information about a private student loan I secured with XXXX XXXX XXXX ( Nelnet Servicing LLC ) in XX/XX/XXXX. I did not receive information on when payments were scheduled to begin and the monthly amount. Recently, I have started receiving harassing phone calls from XXXX and an email dated XX/XX/XXXX, that my loan was delinquent. I then received an email dated XX/XX/XXXX indicating that there was an important message in my XXXX inbox regarding my account. These two notices have been the only communications I have received from XXXX. I have not received any prior communications on how to access my account, billing statements, or any prior communications from XXXX that my loan was coming up for repayment.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 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 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

A little over a year ago I signed up for a Citi Visa Costco-branded credit card. Upon signing up I requested automatic payment of the full amount as I do with every credit card I own since I have no problem paying everything immediately from my bank account and running a balance is of no interest to me. 

Going over my bank statements I realized that the amounts paid to the Costco card were more than our regular expenses and when I called they told me that I had so far paid around {$600.00} in interest charges because they were only taking minimum balance instead of full statement amount. 

I asked them to please check on our original conversation where I requested regular full automatic payment but they said they couldn't. I asked them to please refund whatever interest charges they could and they said they could only refund XXXX single $ 80 monthly interest charge. 

This is very frustrating. Please advise if I have any options, I really appreciate it.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-20
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BlueChip Financial (IA)

This XXXX XXXX XXXX  XXXX is contacting me through email, Stating I owe money {$980.00}, from pay day loan. 
My concern is is this a legitimate company or not this XXXX XXXX XXXX XXXX? 
I am XXXX only receive monthly income from Social Security XXXX insurance. So I dont want to send money and be scammed out of money, I really dont to give.
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

IC System Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time complaining about this debt that I do not OWE! I had an unverified debt from RECEIVABLES PERFORMANCE MANAGEMENT LLC ( XXXX ). FIRST UP... THIS ACCOUNT WAS ON A BUSINESS ACCOUNT THAT IS WITH AN LLC AND I DO NOT HAVE ANY PERSONAL ACCOUNTS IN MY NAME THE COMPANY IS XXXX XXXX XXXX XXXX. SECOND IT WAS A FRAUDULENT CHARGE THAT WAS BILLED TO THE COMPANY WITHOUT ANY verifiable ITEMIZED SERVICES OF PURCHASES/SALES ETC. UPON THE DISCOVERY OF THE ACCOUNTING ERROR I REQUESTED PROOF OF ANY ADDITIONAL TRANSACTIONS XXXX COULD NOT FIND ANY BILL OR REASON FOR THE RANDOM CHARGE OF {$370.00}. XXXX XXXX XXXX  MADE A REQUEST TO REFUND THE CHARGE BUT XXXX CHARGE NOT FIND THE RECORDS OF THE TRANSACTIONS. THAT CHARGE WAS THEN RESERVED OFF OF MY ACCOUNT WITH XXXX
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX  but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (KY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 166b : 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 2023-08-31
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were madXXXX 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 2023-05-30
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP (CT)

on XX/XX/XXXX I called Key Bank of XXXX CT branch spoke with manager XXXX XXXX my escrow taxes were not paid to my town.in the amount of XXXX plus late fees XXXX. I asked her to find out why those taxes were not paid since I escrow the money to do so. I have yet to hear back. I have called the corporate office to no avail what so ever. Pretty frustrated escrow accounts are suppose to make things easier for the customer and when the financial institute does not do a simple task like customer service. I have since refinanced my loan with another bank and want my escrow paid back to me.
Consumer complaint received 2023-08-31
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. (TX)

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.

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 2023-09-06
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX.