davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account Number ( XXXX ) I Was not late on the falling day XX/XX/year>
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I recently obtained a copy of my credit report and discovered several accounts listed in collections that do not belong to me. To address this issue, I promptly sent a written dispute letter to the consumer reporting agency requesting them to validate the accounts in question. Despite my adherence to the proper dispute process and the Fair Credit Reporting Act ( FCRA ), the consumer reporting agency failed to respond within the 30-day period required by law. 

The presence of these erroneous collection accounts on my credit report has significantly impacted my credit score and has caused undue stress and potential financial harm. As a consumer, I am entitled to accurate information on my credit report and prompt resolution of disputes.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated 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 2023-09-19
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. (NY)

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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to address a troubling issue regarding the closure of my business account with Navy Federal and the subsequent inability to access my funds or open a new account with you.

I previously deposited a check from a client into my Navy Federal business account, which was subsequently flagged by the bank. Navy Federal informed me that the check was fraudulent. However, I contacted the issuing bank ( bank of Texas ), which confirmed that the check was legitimate and not fraudulent. I provided this verification to Navy Federal as proof, but despite this, my account was closed with the decision communicated that I would never be able to open an account with Navy Federal again. 

Despite this decision, my account remains open, and my funds are still held there with dividens still being collected with no access granted to me. I believe that this situation stems from a misunderstanding related to the check in question, which was verified as valid, and I am concerned that I am being unfairly penalized and held hostage by this unresolved issue.
Consumer complaint received 2023-04-27
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. (MI)

Transunion continues to report inaccurate information on my Credit Report for the following account XXXX XXXX account # XXXX They are reporting this as a " Fleflexible spending credit card '' this is not accurate and should be deleted. 

This account is also reporting 120 late on multiple months without reporting 150, and 180 late again this is not accurate information please see attachments
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (PA)

I went into lost mitigation with Santander Bank N.A. in XXXX due to COVID-19. I started making payments in XX/XX/XXXX and signed and notarized loan documents in XXXX XXXX, My mortgage statements do not reflect the loan modification and they have reported me to the credit bureau twice saying I am behind on my payment, when I am not. They have corrected these mistakes, but it keeps happening. 
I signed new loan documents XXXX XXXX because they said there was an error on the last one signed in XX/XX/XXXX. 
Since then I have been working with the assistant manager, XXXX XXXX, but they have still reported me to the credit bureau yet again saying I am over {$20000.00} past due on payments when I am not. 
I still can not sign into my online banking and have the correct mortgage amount listed as well as the correct interest rate, monthly payment due, and term dates. 
I have not yet received monthly statements, reflecting these changes either. 
Something needs to be done. This has been going on for two years now.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (TX)

Between XX/XX/year> and XX/XX/year>, the limit on your CITICARDS CBNA credit card decreased by {$1100.00} from {$3800.00} to {$2700.00}. This making my credit utilization higher than it was while my balance decreased. This is the second time my credit limit has been lowered in 12 months. I have never missed a payment or had a late payment. There is no reason my credit limit should of been lowered unless they illegally ran my credit without my permission to base their decision.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- 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 15 U.S. Code 6802 ( b ) XXXX ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX XXXX this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/year> ive noticed that my Ally bank online bank account ( XXXX ) is locked, and Ally support number to call was provided by email, i've called them immediately, they told me that my account is locked without any explanation and reason. So i've called back second time XXXX hrs on hold, they told me that my account on hold and reason that friend of mine- XXXX XXXX XXXX was filled charge back of XXXX zelle transaction that he was sent on XX/XX/year> thats impossible because XXXX. Ive talked to him and he assured me that he was not charged back any of his XXXX- on XX/XX/year> XXXX. He was sent me XXXX in different Zelles. And hes ready to provide any evidence as needed. Still dont have access for both of my checking and savings accounts at Ally bank. Calls to support not solving the issue and not giving me any information that how I can provide my evidence with XXXX XXXX XXXX. Please let me know if any more information is needed to solve this issue. Thank you!
Consumer complaint received 2023-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I have an ongoing complaint for months against Nelnet for failure to process my XXXX loan application. Now they send me a notice today they did and they did not. It is still the old repayment plan and not SAVE which is supposed to be {$190.00}. So they just sent me the exact same bill for an amount I can not afford nor am I supposed to pay. They won't stop illegally not processing my XXXX application. It is the exact same OLD PLAN I was on before I applied for XXXX. now they have illegally put me into repayment for the old plan again. I was talking to XXXX a few days ago about how badly Nelnet has been. I want to add this to my oopen case as this is unreal incompetence and corruption. I have sent numerous document showing rh federal government said I am to pay XXXX a month. They keep reverting back to my old payment plan. It is almost XXXX a month and XXXX XXXX afford 25 % of my entire take home for a student t loan payment. So I am demanding they send me a bill for XXXX as that is what I qualify for with XXXX. This is what Nelnet does. They keep trying to charge you insane amounts and wrong amounts. I am done with dealing with this mess since XX/XX/XXXX! Please help.
Consumer complaint received 2023-04-27
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. (FL)

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-06-03
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-03-19
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. (MI)

Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$180.00} A letter was sent to XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-09-19
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. (PA)

- XXXX XXXX XXXX XXXX ( also referred to as " the person '' ) Inquired to Experian on XX/XX/2023 and again on XX/XX/2023 to obtain information on this Consumer to solicit for marketing purposes ; - This Consumer 's data profile indicated a pre-approved offer " up to XXXX '' for the Cash Rewards MasterCard was warranted ; - The marketed offer of XXXX was accepted by this Consumer on or about XX/XX/2023 and a Hard Inquiry limited to Experian was granted and made by XXXX XXXX XXXX XXXX XX/XX/2023 ; - After the inquiry, the person did in fact defraud this Consumer by claiming the offer was now XXXX ; - Further investigation revealed the first false representations with the intent to defraud was found in very fine print on the reverse side of the solication offer where it did in fact state " You are pre-approved for an XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX a limit of at least {$300.00} '' ; - The person intentionally made the actual initial offering amount unclear and inconspicuous ; - Was the offerred amount XXXX or {$300.00} because the XXXX was highlighted front-and-center while the {$300.00} was hidden ; - Next supporting FACT as displayed on their website was the Welcome Offer or the then current 'Bonus Reward ' stated " {$150.00} Bonus Reward when you spend {$1500.00} in the first 90 days*** '' - Thus accepting this new lower unfavorable offer would potentially lower this Consumer 's prime credit score to subprime because using this card would cause high utilization under the FICO 8 scoring model used by the consumer reporting agency used to verify this consumer 's credit risk and/or worthiness ; - Subprime scores triggers higher interest rates which increases the person profit ( s ) - The person obtained this consumer 's consumer report under false pretenses through intentional misrepresentation to lure this Consumer into a Predatory Credit Card 'credit line ' and then proceeded to perform Credit Discrimination to justified the change in the pre-approved offer amount ; American Heritage Credit Union has violated Section 619 of the Fair Credit Reporting Act 15 U.S.C. 1681q Obtaining information from Consumer Reporting Agency under false pretenses with the intent to defraud this Consumer.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> I received a text message from Wells Fargo stating there might be fraud on my account. I then received a phone call. From XXXX stating that they were Wells Fargo and wanted to go over some fraud activities on my account the gentleman on the phone verified both of my account numbers and the last three activities that were on my account the gentleman then said that we were going to close your old account and give you new account numbers, and have you move the money from the old account to the new account via wire transfer. Once the transfer were complete the gentleman on the phone said thank you have a good day. That is when I found out that it was a scam. I contacted Wells Fargo on XXXX XXXX and got a claim started. On XX/XX/year> I got claim letter in the mail saying because I transferred the money are not able to reimburse me and they considered they inquiry closed. The claim numbers are XXXX and XXXXThere were three transactions totaling the amount of {$17000.00}. See Attached Information.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal has lost my {$10000.00} in the process of an attempted refund. On XX/XX/2020, I sent my son {$10000.00} via PayPal. This amount was half of my retro XXXX payment and I sent it so that he could help me manage my funds. At the time, I was unable to log onto my own PayPal account, so I sent the funds from my mothers account ( with her permission ) by attaching my debit card to her account. My bank debit card was stolen around XX/XX/2020 and I filed a dispute with my bank, XXXX XXXX XXXX  XXXX On XX/XX/2020, PayPal erroneously processed a chargeback in the amount of {$10000.00}. PayPal claims that this action was taken in response to my bank reaching out regarding disputed charges. However, the funds have never been refunded to my account, nor to the originating PayPal account. Also, I specified in the XXXX XXXX Dispute Claim form sent to my bank ( attached ) that this transaction was not to be included in the dispute, however it was reported to PapPal in error. According to PayPal, they initiated a chargeback at my banks request. I have placed several dozen calls to PayPal in an effort to resolve, including a conference call with my bank. I have also attempted to reach PayPal electronically to avail. PayPal told me they would trace the transaction, but still insist that the funds went through to my bank and insist that they are not accountable for my missing {$10000.00}. My son has also attempted to correct this error via email and phone.