davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

New and updated Information Please read the attached document *As a federally protected consumer per 15 U.S.C 6805- Enforcement, please assist in enforcing the deletion and correction of this information reporting.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (MN)

Wells fargo is reporting my name incorrectly by adding a XXXX suffix to my name when they report it to the bureau. 
This is happening to the credit card that was closed sometime back but not happening with my open card with wells fargo. 
Inspite of working with wells fargo and getting their assurance that its fixed, I still find that they are reporting my name incorrectly.
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a stall letter regarding the investigation of my previous dispute, I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. 
Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly with in 30 days. But all I got was a generic stall letter with no real updates or progress. Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. i sent letters Certified so they can not denied that they have not received them. 
Tracking number USPS : XXXX  and XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

The following late payments were reported incorrectly. 

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

My account overdraft fees are turned off so that I don't get my account overdraft still i get overdrawn by the bank every time I use my XXXX. Suntrust now truist is not willing to resolve this issue.
Consumer complaint received 2024-07-29
Product: Credit card — Store credit 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: GVA Holdings, LLC (CA)

Subject : Pending Refund Issue Dear Target Executive Department, I am writing to let you know about the pending refund issue. Despite sending multiple emails and conversing with your representatives via the online chat feature, I am still waiting to receive confirmation of the refund process or the issuance of refunds. I was assured that the refunds were either in progress or already processed. 

It has been several days since these assurances were made, and I am still waiting to receive updates or confirmations regarding the refunds. Furthermore, subsequent follow-ups have yet to yield any new information. 

I would like to know why the refunds have not been correctly credited to my account, especially considering that all returns have been duly confirmed on your end. 

The tracking numbers and corresponding amounts for the pending refunds are as follows : Tracking Number XXXX - Order Number XXXX - Envelopes returned {$1.00} Tracking Number XXXX - Order Number XXXX - Soaps returned {$6.00}, {$6.00}, {$4.00} Tracking Number XXXX and Tracking Number XXXX - Order Number XXXX - {$5.00}, {$8.00}, {$5.00}, {$5.00} Order Number XXXX - Tracking Number XXXX - {$10.00} Order Number XXXX - Tracking Number XXXX - {$9.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$3.00}, {$4.00} Order Number XXXX - Tracking Number XXXX and Tracking Number XXXX - {$14.00}, {$6.00} Order Number XXXX - Tracking Number XXXX - {$7.00} Order Number XXXX - Tracking Number XXXX - {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX - {$20.00}, {$15.00} Order Number XXXX - Tracking Number XXXX - {$24.00} Order Number XXXX - Tracking Number XXXX - {$6.00}, {$3.00} Order Number XXXX - Tracking Number XXXX - XXXX, XXXX - {$5.00}, {$3.00}, {$5.00}, {$3.00}, {$2.00}, {$9.00}, {$3.00}, {$6.00}, {$3.00}, {$5.00}, {$4.00}, {$12.00} Order Number XXXX - Tracking Number XXXX - {$15.00} Order Number XXXX - Tracking Number XXXX - {$3.00}, {$2.00} Order Number XXXX - Tracking Number XXXX - {$14.00} XXXX look forward to your prompt attention to this matter and await your response regarding the status of the refunds. 

Thank you so much for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had my account breached at another financial institution that resulted in unauthorized sales of shares of XXXX stock. A check for {$65000.00} was issued on XX/XX/year> and was deposited at USAA FSB in my name and with my home address. I have contacted USAA twice was told both times that they would follow up. There has been no response.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MA)

Three years ago, I called and asked for a decrease in my interest rate on the CITI Bank credit card, " Sear 's " Shop-Your Way ''. I started off with 18 % and now it's XXXX. I called again in XX/XX/year> and Monday, XX/XX/year>. The call center is in XXXX, and no one I have spoken to is willing to lower these credit card rates. I received subprime loans which I did not know they were offering when I applied for this card. I pay my monthly bill on time, and I pay more than the minimum balance. I am being punished because I pay my bill on time and the majority of my payments are more than the {$29.00} minimum payment.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED XXXX different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Send payment from XXXX cause i have XXXX dates on payment received should only be on last payment date & not charges to the account bank name or route number Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on transunion XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights 90 DAYS LATE ON XXXX & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON XXXX & NO ACCOUNT TYPE ON XXXX BUT XXXX HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (GA)

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : APPLE CARD/GS BANK USA ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2024-07-29
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: CITIBANK, N.A. (NY)

Consumer Financial Protection Bureau Original Case XXXX XXXXXXXX XX/XX/XXXX This case was closed but the problem is not resolved. I could not respond until I received more information from XXXX. 

I do not owe Citi XXXX {$110.00} as XXXX refunded the $ XXXX Citi XXXX XXXX XX/XX/XXXX. I have explained this to Citi XXXX every month since XX/XX/XXXX and they keep wanting me to pay what has been already been refunded to Citi XXXX. 

I am attaching the e-mail from XXXX Dated XX/XX/XXXX explaining again what was done in XX/XX/XXXX. Citi Cards response from XX/XX/XXXX is irrelevant. The money was already refunded to them. 

XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (CA)

Unfortunately after reviewing my credit report on XXXX, and Lexis Nexis, I noticed many inaccurate personal account information on my credit report mainly inaccurate addresses and previous inaccurate employment items such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA, XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX. Previous employment : customer service representative XXXX. Self employed 1099 emp I have attached a copy of my lease agreement to show my current address as I have been there longer than two years thank you
Consumer complaint received 2024-07-28
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: RFNA, LP (LA)

Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Amount : {$1500.00} Action taken : account was disputed
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

USC 1681 the accounts on my credit is defamation of my character & i am trying to buy a house. Below i attached a few of the companies that have my information and that has charged to my credit report. My identity was stolen and the companies listed were the ones charged to my credit.
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Cedars Business Services is trying to collect a debt for XXXX that they claim I owe. However, I have never signed any sort of credit agreement or lending agreement with XXXX, nor have I ever conducted any monetary transaction with XXXX. XXXX is stealing money from me and now Cedars Business Services is trying on XXXX 's behalf to take money from me that I never owed to XXXX in the first place. Cedars Business Services has been unable to produce any evidence showing that I have authorized XXXX to lend me money nor have they given me any proof that this alleged debt is mine. I have disputed this with all of the credit bureaus multiple times and they have not shown me any proof. This false payment owed is now on my credit report and is negatively impacting my credit score.
Consumer complaint received 2024-01-26
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. (NC)

XXXX XXXX : Account XXXX. is XXXX ( {$7500.00} ), XXXXXXXX XXXX XXXX Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) & XXXXXXXX XXXX  XXXX Account XXXX. XXXX ( $ XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-13
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. (MI)

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-12-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

ECSI response has been useless. Through this complaint, I request ECSI explain the dispute process for my loan. Exactly explain how I could dispute your false loans without valid MPN? Explain how I can consolidate them to make them federal. Give clear answer or expect a large lawsuit that shuts down all ECSI for all students forever. You can expect both ECSI ( federal + private ) shut down forever. This is last warning for ECSI to give clear answers other than blaming the university.
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

This is in continuation to the complaint ID XXXX XXXXXXXX. After I filed complaint in XXXX, company ( Hyundai Motors USA ) contacted me and assured that the corrected credit report will be sent to all credit reporting agencies and my credit score will be fixed but recently my mortgage lender informed that my credit score still low ( which only happened so low in my lifetime due to incorrect reporting by Hyundai Motors ). I don't want suffer anymore due to Hyundai Motor 's fault and request CFPB 's intervention to make it a case study and make sure no one in future should suffer like me by big automobile companies in the country. I understand that my suffering is nothing for them even if it is due to their ( Hyundai Motors ) fault but this will be a wrong signal to the consumer at large.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Total Card, Inc. (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (DC)

I do not recognize these credit inquiries and I asked for them to be remove and the bureaus did not do as I asked. I'm providing an identity theft report and I'm requesting that they be removed because they are inaccurate and not mines.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX XXXX