davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I made a payment with Nelnet through the online portal on XX/XX/2023 for {$1000.00} toward my student loan balance. I received a confirmation email for this payment from Nelnet on XX/XX/2023 at XXXX ET. This email contained a confirmation number and a payment effective date of XX/XX/2023 as well as an assurance that the payment would be posted to my account within 48 business hours of the payment effective date. At this time the payment was listed as " scheduled '' in my Nelnet online account. 

On XX/XX/2023 the amount of {$1000.00} was withdrawn from my checking account by Nelnet. 

On XX/XX/2023 I went to confirm that the payment had been posted and it no longer existed in my Nelnet online account. It did not show up as scheduled, pending, posted, or cancelled. It was as if the payment had never existed. I attempted to resolve this issue by reaching out to Nelnet by email on XX/XX/2023, but their reply email at XXXX said that they would not respond to my request via email and I would need to call instead. I did reach out via phone that day. The agent on the phone could not provide any information about why my money was not appearing and on his end it also looked like the payment never existed. I provided the confirmation number I had received and he forwarded that on to another department. He assured me it was just a delay in their system and I should have the money posted to my account soon. 

On XX/XX/2023 the money has still not been posted to my account and still does not appear as existing in my online account. I called again at this time and the agent I spoke to this time said there was nothing that could be done and it would sort itself out eventually. He said that the company does not know where the money they withdrew from my account is and that he could provide no guidance as to when it will be posted. I asked for a ticket number for my inquiry and he said there was none.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-09-12
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In case XXXX I asked for my credit card statements and the branch manager finally gave them to me, but I need to report the unauthorized transactions as fraud. When I call Bank of America, they ask for the phone number on the account in order to authenticate my account. but the phone number belongs to the lady that stole and used my credit card. This was the only option they gave me to authenticate my account over the phone. I went into a branch where the Branch Manager knows me and although he released my bank statements, he stated he couldn't initiate a fraud case unless I provided two forms of ID. I advised him the suspect that stole my credit card also stole all of my ID and there is a criminal case against her. Earlier this month I ordered my ID and social security card but never received it. I notified our mail carrier and the mail carrier stated that a lady named XXXX XXXX XXXX ( she is a resident here and our suspect ) advised her that she was going to be taken care of me and that I was going to be living with her and told her to divert all of my mail to her place. All not true. I filed a complaint with the postal inspector.
Consumer complaint received 2023-12-08
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. (FL)

This account is fraudulent remove it immediately. Victim of identity Theft, see credit report statement. As of XX/XX/XXXX have not received any information about this collection reporting for XXXX on all 3 Credit bureau reports. 
This is a medical collections, this is being reported fraudulently. This is a HIPPA violation. My personal information was stolen I have no knowledge of this fraudulent debt. I disputed this account and it came back verified. How is this account being verified? 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties.

I have never done business With Professional Finance Company Nor gave this third party debt collector access to my medical records. This is violation of federal law. 
Demand documentation on how this fraudulent Debt is being validated.

Validation of Debt and HIPPA Release Authorization. 
Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to Professional Finance Company.

Professional Finance Company collection has failed to provide any of above documentation had over 60 days to respond. Demand Credit bureau Remove this fraudulent collection before legal action is taken and HIPPA violation is filed.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have lived at the same address since I was XXXX  years old, over 55 years, and I have never used any other address. The address listed on my credit report of " XXXX XXXX ", is totally fraudulent as no such address exists and I request that it be permanently removed immediately. In fact, the U.S. Postal Service stopped using XXXX XXXX addresses many years ago due to XX/XX/XXXX. Therefore, there are no longer ant such addresses. 
I contacted Experian by letter of dispute on XX/XX/XXXX and approximately one week later, Experian refused to remove the fraudulent address.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (FL)

In accordance of the fair credit report act PNC BANK CARD SERVICES, ACCOUNT # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-09-12
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. (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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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 2023-12-09
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. (TX)

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

XX/XX/XXXX my American Express credit card statement reflected a credit in the amount of {$380.00}. American Express listed the amount as a credit and then attempted to charge the amount for the amount credited. The amount was for a Travel Reservation that was cancelled. I contacted American Express customer services to inform them that the reservation was cancelled. American Express claimed to have investigated but did not. Responded back to me that they were rebilling me for the original credit that they previously issued and that the debt will appear on my upcoming statement. I rebutted the findings following the FTC " Fair Credit Billing Procedures. I responded to American Express via USPA Certified w/return receipt and again on XX/XX/XXXX. American Express did not respond. On XX/XX/XXXX I received a email from American Express informing me that I have a past due amount. New charges may also be declined. Per the Fair Credit Billing the period to resolve the dispute ( two billing cycles, but not more than 90 days has long past. American Express threaten to report to the credit agencies.
Consumer complaint received 2023-12-08
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MN)

After I applied for this account, Discover agents had been trying to stop me using this account by all means. They first started with asking for me for XXXX form and State ID information. After I had submitted those forms and information, I asked an agent if the information I submitted was good, he said yes. And then a few days later, another agent contacted me and said that they could not approve my information. So I asked for the reason, she could not explain it clearly to me, just saying that you may need to reapply later.

And after Discover closed my account on XX/XX/XXXX, I called the customer service center to check what exactly happened to my account, the agent then responded with the statement that " there is a duplication of my social-security information, and the accounted was closed because we received no response from you. '' Ironically, I have never received a phone after my ever since the second Discover agent contacted me.

So I tried to reapply, but every single time, Discover declined my application for the reason that there is an existing Discover account. Honestly speaking, I don't know how Discover operate my account, but it seems that did not close my account completely. Now I could neither use my account nor reapply for it. And I also received a message that Discover had reported to the credit bureau for the forceful account close, which had significantly affected my credit score.
Consumer complaint received 2023-12-08
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. (LA)

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 a 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 2019-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (CA)

Ive been using Xoom for several years. In my recent transaction, Xoom asked me to provide Identification proof to meet compliance requirements before they can process the transaction, which is understandable. However, the Identification proof Xoom requested ( eg Driver License, Passport, or state ID ) contains sensitive Personal Identification Information ( PII ) such as Date if Birth. Yet, as I spoke with Xoom customer service, the only two ways that Identification proof can be submitted to Xoom is either through email to Xoom Customer Compliance <cc-requests@xoom.com>, or send to their fax number. 

A shared email folder or a fax is NOT a secure way of collecting customer PII, especially sensitive PII like date of birth or full social security number. The email box and fax can be accessed by multiple personnels without clear accountability or traceability on who accessed what. For that reason, I have to cancel the transaction and stop using Xoom until Xoom improves security and privacy practices. 

As a certified security professional myself, I feel obligated to report this insecure PII practices by Xoom since general customers may not have sufficient knowledge on how to protect their own PII. Id suggest customers to stop using Xoom until they provide more secure way of collecting and handling sensitive PII from customers.
Consumer complaint received 2024-08-26
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: JPMORGAN CHASE & CO. (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution - Reference to Federal and California Laws Dear JPMCB CARD, I am writing to address a serious violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the California Consumer Credit Reporting Agencies Act under Sections 1785.10 and 1785.30.

It has come to my attention that JPMCB CARD has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and California law, as outlined in the FCRA and the California Consumer Credit Reporting Agencies Act, respectively, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities.

I assert with unwavering certainty that I have not provided consent for JPMCB CARD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that JPMCB CARD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.10 and 1785.30 of the California Consumer Credit Reporting Agencies Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I anticipate your immediate attention to this matter and expect that JPMCB CARD will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MN)

EdFinancial refuses to update their files and correct my credit reports. They are reporting XXXX student loan accounts ( with XXXX XXXX XXXX ) as open with a balance, when in reality both accounts have been closed for almost a year and have XXXX balances. I have attempted to resolve this with EdFinancial via postal mail, email, and telephone, but they will not correct the information. During a telephone conversation on XXXX XXXX XXXX, a representative from EdFinancial verified that my account with them was closed. She said they would investigate and correct my information, and that someone from EdFinancial would contact me in XXXX hours. None of this happened. I have also tried to dispute the XXXX incorrect credit report entries with XXXX, XXXX, and XXXX, but all they do is say the information is accurate and to call EdFinancial. Here is a short history of the loans : The co-borrower and I had student consolidation loans transferred to EdFinancial from the Dept of Education, then EdFinancial transferred our loans to XXXX ( at which time EdFinancial closed the accounts in their systems ), our loans at XXXX were completely paid and the accounts closed in XXXX 's systems. The Dept of Education and XXXX have reported the accounts to the credit bureaus as being closed with a XXXX balance. EdFinancial refuses to do this.