davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted my IDR plan renewal to Nelnet via studentaid.gov in late XXXX as usual. The application has been " in process '' by Nelnet since. They have sent emails regularly informing me that it is in process and my loans are in forbearance until then. I also received emails telling me the application would not be processed until XX/XX/2025! 

I've struggled to get in touch with Nelnet. Hold times range from 2-5 hours even calling first the in the morning. The one time I got through, back in XXXX, the agent did not know any answers to even basic questions ( ie : information about different repayment plans ). I asked if this forbearance would negatively affect my track record of repayments and renewals ( as you need to be consistent to qualify for forgiveness after several years of repayment ) and I was told it would not. I wasn't confident in the agent 's response given that they didn't know answers to any other questions about the plans and hadn't even heard of others ( such as the SAVE program ) and so I asked if I could have this sent to me in writing. I was told that they would. However, to this day, I have not received any such correspondence. 

I am not able to wait on hold for over 2 hours hoping to get through to someone who may or may not be able to help me- it is entirely unrealistic short of calling out of work for that day to do so and losing the desperately needed wages to pay back these loans. They do not have any callback feature to mitigate this. 

Additionally, now I need to update my IDR repayment plan application due to a change in income and will submit a new app via studentaid.gov -- - however, with the prior application still in process with Nelnet I am concerned with how this will disrupt things. 

I have no confidence in this company managing my student loans ( over $ XXXX ). I am hearing from others who are having significant issues with their payments being mismanaged or double-drawn -- - and again being left with nearly no way to get in touch with Nelnet for reconciliation. 

Please help.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (CA)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Subject : Urgent Complaint Regarding Venmo Account Suspension and Unresolved ID Verification Dear Consumer Finance Complaints Department, I am writing to urgently address a severe concern regarding the suspension of my Venmo account, XXXX XXXX. Despite complying with Venmo 's request for ID verification, my account remains suspended, and I have yet to receive a clear explanation for this action. 

On XX/XX/, my account was suspended without warning, disrupting my access to funds and vital financial transactions. In an effort to resolve this matter, I promptly provided Venmo with the requested identification documentation. However, despite this compliance, my account remains suspended, and communication from Venmo has been insufficient in providing a resolution or clarification. 

I am deeply troubled by the lack of responsiveness and transparency in this process, as I have willingly cooperated with Venmo 's verification procedures. A fair resolution to this issue requires the immediate unsuspension of my account and a clear explanation of the circumstances surrounding the suspension. Additionally, any missing funds or discrepancies resulting from this suspension must be promptly rectified. 

I appreciate your attention to this matter and kindly request your intervention to ensure a swift and just resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank sent me an offer of balance transfer with 0 % interest till XX/XX/XXXX. I took the deal and received fund twice, {$1100.00} ( XX/XX/XXXX ) and {$5400.00} ( XX/XX/XXXX ). Citibank sent me XXXX statement for {$17000.00} which included both the balance transfers and regular credit card charges. There was no distinction between the two types and statement indicated balance due was {$17000.00}. I paid the amount in full in order to avoid possible interest fees before the pay date. Even though the amount was paid before, Citibank charged transfer fee of {$270.00} on XX/XX/XXXX. I called the credit company on XX/XX/XXXX and requested clarification and reversal of the charge. The bank told me that I have to pay additional amount of {$3600.00} if I want to avoid further interest charges which I complied. The practice of Citibank credit card with balance transfer is confusing, unclear, and deceptive. They should not mix lending and credit card businesses and if they do, they need to clearly distinguish them in their statement. I was unfairly charged the fees and I want them to be reimbursed.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXXXXXX XXXX XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IN)

Subject : Request for Assistance Regarding Transaction Dispute Dear Chase Bank Claims Department, I hope this message finds you well. I am writing to bring to your attention a situation that has arisen from a recent transaction involving my account. I believe your assistance is crucial in resolving this matter. 

On [ XX/XX/2023 ], I made a transaction of {$25.00} to a family member, XXXX XXXX, with the understanding that it was for the purchase of cologne and body washing products. However, upon receiving the items and assessing their quality, I was dissatisfied and decided to return the products when we met in person.

During our in-person meeting, XXXX XXXX acknowledged the misunderstanding and promptly agreed to provide a refund. She advised me to contact Chase Bank for the refund process due to misunderstandings and incorrect wording during the initial transaction.

I kindly request your guidance and assistance in facilitating the refund process for this transaction. The nature of the misunderstanding and the prompt acknowledgment by XXXX XXXX of the need for a refund lead me to believe that a resolution can be achieved with your support.

Please let me know the necessary steps and documentation required to initiate the dispute resolution process for this transaction. Your prompt attention to this matter is greatly appreciated.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Consumer complaint received 2024-06-06
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. (TX)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (AL)

XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX UNAUTHORIZED INQUIRIES EQUIFAX MORTGAGE SER XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EQUIFAX MORTGAGE SER XX/XX/XXXX Equifax
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

An " instant transfer to bank '' from XXXX to my checking account at PNC ending in XXXX for {$980.00} on XX/XX/XXXX  never arrived. I have attempted to resolve this with consumer banking support at PNC, the wire department at PNC and also the treasury management at PNC. 

XXXX asserts that the funds were transferred via the " bank-to-bank Real-Time Payment '' rather than an ACH or direct deposit. No one at PNC is able to assist me and no one seems to know what an RTP payment is even though there is an entire webpage on PNC 's site dedicated to RTPs. 

Again, XXXX has asserted that the funds have transferred. I do hesitate to escalate this situation ; however, PNC Bank is unhelpful and also unaware of their own services. The transaction ID provided by XXXX is : XXXX. 

I appreciate any assistance in locating these funds of mine and to ensure that they are promptly deposited in my account. 

Moreover, these missing funds that were not properly credited by PNC have unfortunately caused my checking to overdraft last month.
Consumer complaint received 2024-06-06
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 pulled my report and noticed, I had 6 Hard inquires on my report. I contacted the credit bureaus on this manner, and they failed to comply with the rules and regulations.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I had my account compromised and for a security measure chime financial institution locked my account for my safety which I appreciated at first. They asked me to send them documents to verify who I was such as my social security number and I.d, I sent these documents countless of times then they asked me for bank statements for a debit card I dont own or have no knowledge about and Ive informed them that I had no idea about any other bank card but theres. I keep getting the same computer automated email and at this point I want my XXXX dollars thats in my account given back to me and would no longer want to bank with chime. Im a XXXX XXXX XXXX XXXXXXXX member and this is just not right
Consumer complaint received 2015-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still accounts on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information to the accounts listed below be fixed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (NC)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing XXXX.
Consumer complaint received 2024-06-06
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. (CA)

XXXX XXXX Bank Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-06
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)

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year>2023 -- -- -- -- -TransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Consumer complaint received 2024-06-06
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.