davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (RI)

I applied for XXXX XXXX XXXX  XXXX  loan forgiveness ( XXXX ) and was approved on XX/XX/XXXX ( Nelnet informed XXXX on XX/XX/XXXX ). This letter is to request the expediting of the {$41000.00} federal XXXX  loan forgiveness due to a XXXX resulting from a work injury while in the performance of my Veterans Affairs position. XXXX states they have no record of the XXXX  discharge approval from Nelnet. This is preventing me from qualifying for a mortgage. I was scheduled to close on on XX/XX/XXXX, but my bank stated XXXX said they have no record of discharge from Nelnet during their credit check. XXXX also refused to call Nelnet with me on XX/XX/XXXX to help resolve/request Nelnet to resend since it had only been 109 days ( and apparently by law Nelnet can't resend a request until 150 days lapse unless XXXX allows them to ). On XX/XX/XXXX I was able to call with XXXXNelnet to XXXX and received permission for Nelnet to resend discharge request to XXXX. However, this process will take 30-60 days, and I will lose the home I'm supposed to but since the mortgage lender needs to show the discharge on the credit check this week to qualify for my mortgage.
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-01
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: EQUIFAX, INC. (GA)

I looked at my credit report and noticed that the information on my profile was incorrect. There are several hard inquiries on my credit report that should not have been on my report profile and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a request asking them to reinvestigate or remove these hard inquiries listed below : EquifaxXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (SC)

There are inquires on my credit reports that i did not authorize : JPMCB Card Services, XXXX XXXX XXXX jpmcb card servicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and noticed I had late payments on one account and I was never late, they took vital information to the max and I was never late on this account. XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate and provide bank statements that this account had late payments. If proof can not be provided, I demand that this account be current with no late payments. Thank you so much.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

For the last 2 days, I have been trying to pay my insurance bill with USAA.com. I went thru several representative ( XXXX ; XXXX ; XXXX XXXX, XXXX & XXXX insurance department ; XXXX, XXXX & XXXX ) before speaking with a supervisor named who refuse to give last name. According to XXXX, supervisor, the reason for me not able to sign into my account which is locked was because I applied for credit card back in XX/XX/2018 and I need to send them copies of my driver 's license. I have been paying my insurance thru bill pay since XX/XX/2018 and now they restrict my access. On XX/XX/2018, the dealer faxed a copy of my driver 's license to the insurance department so I could get the insurance. I requested to speak to her supervisor and she said that there was no one higher than her to speak with. She informed me that I will be denied security access until I fax : XXXX or email : XXXX. I get it if they don't want to give me a credit card that's good and well but to deny me access to pay my car insurance online is ridiculous and stupid. I receive notification for my insurance bill from USAA in the mail. I was on the phone on Friday for over 45 minutes on hold and no one returned. 
Again on Saturday since XXXX. Received 8 security verification email to verify identity so I could get on. I was able to log on. The next step was the security question and I was told to call USAA. According to XXXX, the security department was closed due to the holiday. However, a male named XXXX claimed he was from the security department. No one should be treated or harass in such way.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing and investigating these wrong accounts on my credit file, I should get {$1000.00} for each mistake under the Fair Credit Report Act, FCRA says we must report wrong accounts on credit report.
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Good morning : My husband is a XXXX veteran and is XXXX XXXX. I am his XXXX.  I found that USAA bill pay is taking funds out of our account at different times without authorization from my husband. 
Please investigate. I will provide more information if needed. Thank you.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX  ACCOUNT # XXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Consumer complaint received 2024-06-05
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)

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 2024-05-15
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)

FCRA 605B, I think, requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-06-05
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. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Consumer complaint received 2024-06-05
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. (TN)

Today XX/XX/XXXX, I had multiple inquires hit my profile. I have not applied for anything. I spoke with supervisor XXXX XXXX ( XXXX XXXX  XXXX ) at TransUnion who tried telling my I only had XXXX inquiry. At that moment of him telling me this information I was looking at my credit profile and I could see XXXX inquires from today. I explain how he was giving me misinformation and that it was against my right. He tried to assure me that there wasn't any inquires on my credit profile. I eventually hung up and called back. I spoke with a young lady. I explained that I was trying to dispute the inquires because they were fraudulent she disputed them for me and she could see them. However, she explained that I needed to submit another FTC report. Same thing XXXX stated. I find this unfair and inconsiderate of my time to have to do this each time something fraudulent happens. Also, TransUnion stated that I did not have a XXXX XXXX  on my profile and stated that I have never had XXXX. However, I have an extended XXXX XXXX  with all bureaus. Yet, some how my XXXX XXXX  magically disappeared from TransUnion. I have been having a XXXX XXXX since XX/XX/XXXX and it doesn't expire until XX/XX/XXXX. I would like that same alert places back onto my TransUnion account.
Consumer complaint received 2024-06-05
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. (WI)

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C. 
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 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 that 7 years. 
15 U.S.C. 16815-2 ( 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 the information is accurate. I have no contract agreement with any of these companies I requested proof that I have a contract with the companies no one has provided proof yet
Consumer complaint received 2024-06-05
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. (CA)

This pertains to my previous complaints : - ID FOR COMPLAINT SENT TO TRANSUNION - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX - ID FOR COMPLAINT SENT TO XXXX - XXXX I need your help to resolve this issue. I am exhausted from continuously communicating with the bureaus. I am not receiving any assistance. I have been a victim of identity theft, and these companies or individuals are taking advantage of my situation by exploiting my information. These fraudulent accounts and inaccurate reports have put me in a very difficult position. I am unable to apply for anything at this point due to the negative statements on my credit reports, which are not even mine. I am seeking justice for this unjust and delayed resolution. Please assist me. 

The following are the items that I need to be removed/corrected : XXXX ) I was not late for these payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
The creditors did not notify me 21 days before with a statement, so there should be no late payments on this account. I demand to see solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. 

XXXX ) Remove these fraudulent inquiries : a. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Delete the fraudulent accounts : a. XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX ) I was informed that these would be removed from my account, but they are still here : a. XXXX XXXX XXXX XXXX XX/XX/XXXX b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have attached a copy of my FTC report, CFPB report, ID, proof of address, and SS card.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

I want to file a formal complaint. I called Citibank to update my address and to pay my full balance in XX/XX/2018, which I then paid. I had not used the card since and it expired few months later. This week, I was informed by third party that I had an unpaid balance and several {$29.00} late fees. After talking to Citibank customer services, it  appears that there was a transaction that processed after I paid the full balance. And it appears their employee miss-typed my zip code. Therefore I never received any statements since XX/XX/2018. Having not used the card again and then the card expiring, lack of statements was not odd. Apparently they also sent out a new card after mine expired to whomever got it since it never came to me. Despite the zip code being their mistake and me having ZERO ways of knowing I had a remaining balance collecting fees, they refuse to waive them. A ) This should be illegal. B ) The customer service was condescending  and would not work with me to resolve this any other way than me paying the full bill including the fees. C ) They would not pass me to management and I have been unable to reach Citibank management because when I try to fill out complaint forms online, the website tells me that my account/card number doesn't exist. I imagine because it expired and the new one that went to some stranger was never activated. The whole thing has been highly frustrating. This can not be good/fair business practice. Not to mention this card is due to my military/government service, so that's a great thank you to Veterans. Overall, I think the late fees are unfair when it was their mistake and I don't like the inability to reach anyone past first level customer service that I am locked into. Also doesn't seem right. My XXXX interactions have been overwhelmingly positive compared to this and I will never recommend Citi to anyone if this is how interactions happen on their side.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disappointed once again, as this one account reporting inaccurately on my credit file has negatively affected my life. I have attached an FTC report for you to finally reinvestigate and remove this account.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I know its legal but is it ethical? 
How does the cfpb allow a credit card company to purposely punish a XXXX XXXX XXXX permanent and totally XXXX veteran like this? I had to retire in XXXX due to my disables. I still managed to continue to pay ON TIME until I ran out of possibilities in XXXX. They charged my accounts off in XXXX. They are reporting charge off in XXXX, that's inaccurate reaging. The worst of it is after they sued. I have no taxable income. The worse part of all of this is I just got turned down for a XXXX. the reason? Recent charge offs. I haven't been late on a single bill for over XXXX years. I have no recent charge offs and XXXX XXXX has already written the expense off to the IRS. This reporting off my charge offs monthly and as new should be illegal. It is false reporting and not accurate. XXXX for example, reported the charge off once in XXXX its there, but doesn't show as recent, which is accurate. XXXX XXXX is purposely damaging my credit, why? To make me suffer more for going thru a hard time.
Consumer complaint received 2024-06-05
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. (NM)

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 2024-07-06
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.

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (SC)

Collection is being reported from XXXX XXXX systems in the amount of {$560.00}. I have disputed this previously because I never had a contract with them or the original debt collector. 15 USC 1962c ( c ) law clearly states " Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.