davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I am referring back to complaint XXXX about setting up auto payments ; unable to do so via their website ; I emailed nelnet and they never responded! I complained and they tried to call me ; I called them back at XXXX and waited an hour never was able to reach an agent! They are lying ; they do not respond on purpose. I have tried everything and nelnet is lying! I want to set up electronic payments and get a quarter percent discount on interest ; they are not allowing me to set up on purpose! theyare thieves and liars and they should be reported for bad practices to the department of education
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I sent them a certified letter on XX/XX/XXXX asking for information and no response!! According to 1681 section 7 : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2023-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am writing to express my deep dissatisfaction and frustration regarding an ongoing issue with my Amex Citi Macy 's Credit account. Over the past three months, I have encountered multiple problems when attempting to make payments, and I have received inconsistent and erroneous information from your oversees customer service agents. This has significantly affected my credit and left me in a state of distress. 
The primary issue I have faced is with payment processing. On three separate occasions, I contacted your customer service department to make payments on my account. Each time, I was assured by XXXX customer service agents that the payment would be deducted from my account and promptly posted. However, to my dismay, the payments were not processed, and I received confirmation numbers that were essentially worthless. This left me with the false impression that my financial obligations were met when, in reality, they were not. 

Moreover, the situation escalated when I contacted your customer service department to rectify the payment errors. I was met with inconsistent and confusing responses from different foreign agents. Some of them claimed to have no record of my previous inquiries, while others were uncooperative and unable to provide a satisfactory resolution. It is incredibly frustrating to explain the same issue repeatedly, only to receive contradictory and unhelpful responses. 

The consequences of these payment issues have had a severe impact on my credit score. My financial responsibility and credibility have been unfairly damaged due to the inadequacies of your customer service department. I am deeply concerned about the long-term repercussions this may have on my financial stability and future credit opportunities. 

I kindly request that you take immediate action to rectify this situation. I expect a thorough investigation into the miscommunication and negligence that I have experienced with your overs customer service agents. Furthermore, my credit limit was decreased from {$5000.00} to {$300.00} over mistake from agent who doesnt know what they are doing
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My account was charged off with 5/3 on XX/XX/XXXX with no prior notice. A letter was issued to me on XX/XX/XXXX and I logged into my account to rectify the negative balance on XX/XX/XXXX and saw the letter. I have not yet received the correspondance. No phone call, no email was attempted. There was NO advance warning of the account being charged off. The account went negative on XX/XX/XXXX for {$34.00}. I was charged a {$37.00} OD fee on XX/XX/XXXX. If 5/3rds policy is to charge off accounts 60 days after the account is negative, the XXXX day was XX/XX/XXXX. The account was closed XX/XX/XXXX. 

I attempted to rectify the situation on XX/XX/XXXX. I was told I had to wait until XX/XX/XXXX to do. After calling the customer service line 5 times, being routed to several incorrect departments, I was told to " leave a message '' at some random department with NO idea of how long I would wait for a call back. I was given the number of XXXX by a XXXX Representative on the chat function and I called that number. The representative answered " this is XXXX on a record line, how can I help you? " ... .I asked if this was FIfth Third and he said " yes ''. 

I have worked in the banking industry for 23 years. I will never give my information out on the phone to a number I do not recognize, especially when the agent answers the phone as above AND was incorrect. That number is directly to XXXX XXXX that purchased the debt from 5/3. I did research and found the customer service line and they confirmed who there were and transferred me to a specialist to assist me. I paid the debt. I was told that it would NOT effect my credit but WAS reported to XXXX. After 14 days it would show as in good standing but will remain with them for at least 7 years. This could effect me opening new accounts in the future. Fifth Third sold the debt between XX/XX/XXXX and XX/XX/XXXX and made NO attempt at trying to rectify the situation with me prior to selling to a collections agency that then reported me. 

In short ; Fifth third made NO attempt to : 1 ) notify me of the charge off date 2 ) gave me FALSE information to try and rectify the situation 3 ) when I DID try and rectify the situation I was sent all over creation to try and fix with NO resolution. I had to take it upon myself to figure it out. 
4 ) {$37.00} of the {$70.00} charge off was a fee from Fifth Third.

5 ) I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I find this to be absolutely absurd customer service in handling the situation. I find this to be extremely predatory and a violation of my consumer rights. XXXX XXXX assisted me and was cordial and helpful. 5/3 did not.

please pass this complaint on to whomever it needs to go to. 

thank you, XXXX XXXX
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (PA)

I called in XXXX to report inaccuracy with the following : XXXX XXXX XXXX in XX/XX/2022, which i did not apply for. 

XXXX XXXX  XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-10-31
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. (DC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (AR)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-10-11
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (AR)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contact Capital one about this account, the account is closed they still reported is and old account and expired, They said they would remove the credit amount but they never did, also I had NO loss balance in this account and it appears that I owe XXXX dollars that is incorrect this is a secured card
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (DC)

Truist Bank -- offers business checking for individual XXXX 's with single taxpayer ID number or social security number. 
Truist Bank issues a business checking XXXX XXXX. This account has options for merchant services, XXXX payments, checks, debit card options for purchases and ATM deposits. 
The XXXX XXXX Checking account pays POS transactions or purchases are paid by overdraft privileges or automated system without the option to opt in or out. A {$36.00} overdraft fee is immediately assessed to the customer account balance. Truist Bank advised account holder there's no Option to opt out of the overdraft service. If the account is low in funds less than {$36.00}... it approves purchases, overdrafts the account and the balance is goes negative regardless. Truist Bank pays up to XXXX -- per day limit. Customer has to pay the purchase and the assessed fees within XXXX. If the account is overdrawn over XXXX the account is frozen if it's negative. Deposits can be made, although the overdraft system is reset and will pay purchases once it goes positive and assessments of {$36.00} ; are again applied. Truist Bank doesn't offer the option to turn off this feature on this account type. Business Checking also asseses a 1 % fee on incoming XXXX payments, which are calculated on monthly basis. XXXX XXXX attached to this type account incur maintenance fees @ $ 49 monthly plus 3 % per transaction. 
For ; a single owner or sole proprietor the fees for this type account can often cause the account to go low or overdrawn.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Attached XXXX pages of my report identifying all wrongfully reported information on my credit profile. With this request I demand XXXX to delete and update my files. Only correct name is : XXXX XXXX, only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please note the the correct address left without being highlighted by me is the correct XXXX but please separate the 1 from XXXX XXXX 


Highlighted information on report is wrong, please delete. I'm attaching Driver License for your records and verification.
Consumer complaint received 2023-10-11
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. (AR)

I am writing to express my ongoing frustration and concern regarding inaccurate items that persist on my credit report despite multiple attempts to have them removed. These inaccuracies are adversely affecting my creditworthiness and financial well-being, and it is imperative that they be rectified as soon as possible. 


I have previously contacted your bureau on [ mention the dates and methods of previous disputes ] to dispute these inaccuracies, but they remain on my credit report. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you initiate a thorough reexamination of these inaccuracies and promptly correct my credit report to reflect accurate information. The Fair Credit Reporting Act ( FCRA ) mandates that consumer credit reports must be precise and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find copies of the following documents : Previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report reflecting these changes. 

Furthermore, it is your responsibility to notify the creditors associated with these inaccuracies about the dispute and provide them with the necessary documentation, as per federal law. I am asking for your immediate assistance to remove these unaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00}.