davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

I applied for the public service loan forgiveness program ( PSLF ). My loans were transferred from Nelnet to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the PSLF program. The loan information was moved to XXXX but Nelnet is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on Nelnet 's website, they reflect I have a XXXX balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have Nelnet report to the credit bureaus. I received a letter on XX/XX/XXXX stating Nelnet is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from Nelnet informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (TX)

We currently have a business checking account with Truist and process our monthly payroll as a recurring ACH payment that goes out on the XXXX of every month. For the month of XXXX, the ACH payment for payroll has been in process since XX/XX/year> and the employees have not received their pay for over 8 days now. 

I originally called Truist on XX/XX/year> and was told to give it 2-3 days for it to process. However, the issue was not resolved. I called back on XX/XX/year> and spoke to a gentleman named XXXX. I received a incident ticket XXXX and was told it should be resolved within 2 business days. The issue STILL has not been resolved. I called on XX/XX/year> and spoke to a gentleman named XXXX was told that the incident ticket was not processed because it was missing information. And now I am being told that there's no time table on when this issue will be resolved.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (TX)

On XX/XX/XXXX, I was told to provide proof of address update and phone number change due to my move. I was provided the email XXXX and sent my phone bill for proof of phone number and a current electricity bill as proof of mailing address, which is detailed in that email. Ever since then, Ive been calling every week and they have been requesting the same documents that I sent initially and giving me the run-around. It is XX/XX/XXXX and I havent had access to my card since before XX/XX/XXXX and no one seems to have any answers for me. At this point they are holding my funds from me unnecessarily
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute to Transunion by certified mail on XX/XX/2024. The letter was typed and, detailed the disputed information. My driver 's license and a recent utility bill was also included. Transunion responded on XX/XX/2024 : " we were unable to determine the nature of your request or your request was illegible. '' My legible, clearly stated request is attached. There is no reason why the company can not investigate. The investigation window is still 30 days for them to respond properly, not with a fraudulent claim that my letter is unclear or illegible. I have attached the letter sent to them.
Consumer complaint received 2024-07-30
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. (DC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (NY)

Hello, I have an insurance claim payment in the form of a check in excess of {$10000.00} that needs to be endorsed by my mortgage company, Freedom Mortgage, so that I can cash the check and make the necessary repairs. I tried to reach them several times last week, but the call dropped every time. I found the mailing address where I was supposed to send the check and sent it to them via XXXX XXXX Mail, it was delivered on XX/XX/XXXX. 

Today I received a voicemail from them asking me to call them, which I again tried to do, I was on hold for a while and asked for a call back, but again the call dropped when they tried to call me. 

I can find no other way to contact them, they have no email address option, I simply want them to endorse the check and send it back to me so I can actually proceed with the work I need to do on the home.
Consumer complaint received 2024-04-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was released from XXXX  after being XXXX  for about 2 years, and a couple months. I had trouble signing into my bank of America unemployment account and for whatever reason had to have a new card sent to me, after verifying my identity and correcting a address and account they had on my profile that was not mine. Also I had to file a dispute on XX/XX/XXXX once all that was wrong was corrected and I was able to get into my account, once in I had seen my money my XXXX XXXX I had rightfully claimed back in XXXX of XXXX was gone every XXXX spent, I was XXXX  on XX/XX/XXXX when XXXX  the officers did not let me bring my belongings but I thought my mom would come to collect them from my car where I was XXXX  at. What I didn't know was that someone else got there first and got my belongings, and clearly spent all my unemployment that I had been saving my dispute ended up being for {$16000.00} on XX/XX/XXXX the day before I got XXXX  bank of America had finally released my funds after having them frozen for almost a year. I filed these disputes with bank of America soon as I got out a long with correcting all the wrong information someone switched my info with, I verified my identity and it has been well over 15 days now and no word from them no update nothing except when I called a lady told me okay they obviously see there's unauthorized transactions going on and it's clear somebody did hack in your account around the time you were XXXX  but it's still being investigated it could take up to 90 days and they will not provide me with any provisional credit I feel like they clearly see it's not me in my account and they still are not trying to provide me with my money back. I am homeless now with nothing when I had something when I was XXXX  and should of had that when I got out.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

fraud on my card, capital one refused to explain how I was complicit in crime, debited my account. I received several contradictory responses from capital one. I sent a certified letter to XXXX XXXX XXXX he or his staff did not have the professional decency to respond. However, they subsquently credited my account but did not reimburse me FOR MY TIME, PAIN AND SUFFERING, WHICH INCLUDED AN ARGUMENT WITH MY WIFE, WHO HAS XXXX SCORE OF XXXX, AND CARD IS IN HER NAME, AND XXXX ADVISED HER, HTAT I WOULD NO PAY THE BALANCE TO CAPITAL ONE, IN VIEW OF THE XXXX XXXX XXXX OF TIME ON THIS, INCLUDING XXXX XXXX POSTAGE, AND PRINTING, TRIPS TO XXXX. MINOR IN VIEW OF PAIN AND SUFFERING, CAPITAL ONE HAS AUDACITY TO STONEWAL,, AND NOT REPLY NOR INVESTIGATE WHILE FRUDSTER IS USING MY CAP ONE INFORMATION TO CONTINUE HIS TRADE. 

I INFORMED CAPITAL ONE THAT I WOULD SEE LEGAL AVENUES TO BE MADE WHOLE. THEY MAY THINK THAT THEIR POWER WILL OVERCOME THE LEGAL CASE AGAINST THEM. I LITIGATED ISSUE WITH CAPITAL ONE XXXX YRS AGO. THEY BLACKLISTED ME, GOT CARD IN WIFES NAME. 
NOW, THEY WILL ATTEMPT TO DAMAGE MY WIFE ; XXXX XXXX XXXX, OF XXXX. FOR THAT, THEY WILL BE HELD ACCOUNTABLE. 
I WAS NOT GOING TO PAY THE FRAUD CHARGE ON MY CARD. IF PAID, REMAINING BALANCE, XXXX  CAPITOAL ONE WOULD SITLL CHARGE ME FEE AND INTEREST. AS SUCH, BEST TO SETTLE MATTER BEFORE A THIRD PARTY.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

last month i took a look at my credit report and i found out that i had some accounts that where opened fraudulently. I contacted the bureaus and did exactly what they told me to do but they havent removed the accounts caused by fraud.
Consumer complaint received 2023-04-20
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. (AL)

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 : 1. XXXX XXXX XXXX has violated my rights. 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 2024-08-10
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. (NC)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-30
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/year> I discovered XXXX large transactions pending on my checking account. XXXX transaction was for {$3500.00} and the other for {$1700.00}. Wells Fargo did little to notify me and determine if these charges were authorized. 
On XX/XX/year> I filed a claim w/ Wells Fargo for these transactions. The transactions occurred in such an odd time, odd amounts, and for services which I have never used. Claim investigators treated me extremely bad. They constantly hung up on me and never investigated. They canceled my card and sent me a new one whereby {$5200.00} of unauthorized charges was now posted to my account, leaving me with {$90.00} in my checking account.
Consumer complaint received 2024-07-30
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-03
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. ()

I demand immediate removal of this dispute item from my credit report. Furthermore I expect to receive an update credit report reflecting this removal within 30 days of the items removal. I trust that you will promptly address this matter in accordance with the law. Your cooperation resolving this issue is greatly appreciated.
Consumer complaint received 2024-08-03
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. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-03-29
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. (NY)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Credit Profile Account : XXXX XXXX XXXX My car was totaled in XXXX. I was never late for a payment and was even paid out positive equity through a check. This account was paid and open, however 4 months later, an additional remark stating 'early termination/insurance loss ' was added to the account and its status changed to 'paid and closed '. This has caused my FICO credit scores to drop by roughly 80 points. It is showing on my FICO that I have late payments, when as can be proven through a thorough credit check, I have never paid any account late. After researching and speaking with finance professionals, the way the remark is worded ( early termination/insurance loss ), has tricked the FICO algorithm into thinking I have been a bad debtor. The account is paid and closed and has never been in collections ; I would like this account removed from all of my credit profiles because of its false and negative effect on my credit score, which is rendering me from financial freedom. Thank you.
Consumer complaint received 2024-07-30
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Consumer complaint received 2024-08-10
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. (PA)

I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number