davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (GA)

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I have previously applied for an XXXX repayment plan, as directed through the us.gov website and received email confirmation that my application was submitted on XX/XX/XXXX from fed student aid and request was received XX/XX/XXXX from NELNET. I then logged into my direct student loan provider ( Nelnet ) and became aware this was never processed. I attempted to call Nelnet and remained on hold for over 2 hours without ever speaking to a representative. I again, applied for my XXXX directly through Nelnets portal and received email verification on XX/XX/XXXX. I am scared that my application was lost again.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX and I'm contacting you to convey my frustration over the lack of action taken after reporting my identity theft for the third time. Despite my repeated efforts, neither the credit bureau nor the involved companies have responded to my disputes. This situation leaves me feeling like my consumer rights are being disregarded. As the victim, I'm left without the necessary assistance or response from the entities overseeing credit reporting. If immediate action isn't taken, I'll be forced to take legal steps.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

I went through identity theft a few years ago and someone fraudulently opened up several accounts in my name, credit cards, loans and even an apartment in Missouri. I live in Georgia. I contacted the apartment complex and the collections agency that the apartments hired and sent them tons of sufficient evidence to prove that I didnt live in the state of Missouri and that Ive never been to that apartment. I sent them my lease in Ga for that current year, I sent check stubs for that duration to prove I worked full time in Georgia, I sent a copy of the police report to prove theres an ongoing investigation and I also sent a picture of my drivers license to show that it will not match the one they seen when the lease was executed even after all of these things, theyre still saying its my account and will not remove it from my credit report.
Consumer complaint received 2023-12-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

Account : ending in XXXX Original Creditor : Citibank, N.A Current Owner : XXXX XXXX XXXX Resurgent ID : XXXX I mailed a cease-and-desist letter to company notifying them that i was disputing the debt and requested that they have no further contact with me after they failed to produce proof of ownership of debt or proof that they were collecting a charged off debt from Citibank , N.A . They have threatened to sue me in court about a time barred debt. They have never provided me with the 1099 that I asked for which Citibank would have filed taxes as this would be considered lost income for their company. I'm a XXXX XXXX XXXX with no income, I've been denied SSI- XXXX XXXX XXXXXXXX twice hence no income. Their reckless disregard for my health has caused me additional emotional and physical hardship, I'm stressed about this matter. I was told when I spoke to Citibank representatives years ago when they had written off this account that I would have to file it on my taxes as a 1099 and that they would written off the account after COVID when we had a disagreement about the balance. I'm seeking your assistance in this matter, Please have this company harassing me because I owe them nothing.
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a US Treasury check in the amount of {$60000.00} into my Chase checking account on XX/XX/2023. I also received 2 direct deposits from my and my husbands federal pensions on XX/XX/2023. On XX/XX/2023 my available balance in this account was {$75000.00}. I attempted to make some bill payments and all were rejected. I inquired with Chase and was told my account was " restricted ''. They would give me no further information. I went into the branch and was asked to prove that the {$60000.00} Treasury check was my money. I gave them copies of my XXXX  ( XXXX XXXX XXXX  ) statement showing that I had made a retirement distribution. They did not remove the restriction from my account and I was told me to call the following week. 
On XX/XX/2023 I received an alert from my Chase account that I was overdrawn. Chase had debited my account in the amounts of {$60000.00} and {$15000.00}. 
I received a cashiers check from Chase on XXXX in the amount of {$15000.00} along with a letter stating that the account had been closed. There was no mention of my {$60000.00}.
Consumer complaint received 2023-12-17
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I was finally able to get bank of America to issue me a working debit card so I can finally access my XXXX XXXX XXXX. I was able to spend about half of what monies was in the account. Bank of America had me go to the bank multiple times to verify my identity and now the bank says I can no longer access my funds. They have not told me of ways I can access the account. Also the XXXX XXXX  is expecting to get new cards issued by another bank and says we can request a check for remaining funds through bank of America in XXXX of 2024... I can not wait that long and need the funds now.
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (NY)

Hello, I recently pull my Experian Credit report and I noticed that i have incorrect personal information and unverified accounts, I have being sending some dispute letters to EXPERIAN for the personal and unverified account since XX/XX/2018 to XX/XX/2018 and they are still reporting on my credit report all this wrong information. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) wich they should have on file of the all accounts. they failure to positively verify those accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts and wrong information.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiry 1 : XX/XX/2023 XXXX XXXX XXXX ( Bank ) Inquiry 2 : XX/XX/2023 XXXX XXXXXXXX XXXX ( Finance ) Inquiry 3 : XX/XX/2023 XXXX XXXX ( Finance ) Inquiry 4 : XXXX XXXX, XX/XX/2023 XXXX XXXX ( Finance )
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

i made a purchase two times for gift cards, {$100.00} each time. My credit card got locked, I was sent a fraud text with a phone number to call. I called the phone number twice and was placed on hold, after long waits i hung up. On the third call I was given an automated message that said their system was down and i would have to wait 1-2 hours, at this point it was after XXXX so i did not wait and called the next morning at XXXX. I was told on the call i had to provide an alternate phone number, not the one on my account, i did not have one since i do not have alternate users on my credit card and i do not have 2 cell phones. I was told i could give them a Citibank bank account or credit card to verify, i have another citibank credit card but their system did not recognize it so they could not use that. The last resort is to mail a physical letter to my address to verify, they will not verify me in person at a Citibank establishment either. I was also told if i call back in 1 day, they could use my primary phone number to verify me, so i waited a day, when i called back after that day, they told me it is actually a 2 day wait. I have spoken to 4 representatives and 1 supervisor, all telling me that there is no other way to unlock my card. To top it off, i had to use those gift cards that i purchased and was charged for and it locked all the other gift cards i used on the purchase so that i was limited on how i could use not only the gift cards from this Citibank purchase but the gift cards i had from another purchase from another credit card. I still don't have a resolution, i have {$450.00} worth of gift cards that i purchased with Citibank and another credit card that i can no longer use but have been scratched so i cant return them. Citibank credit fraud services really messed me up, caused me days of stress and i might be out {$450.00} for a legitimate purchase that was only {$200.00}.
Consumer complaint received 2018-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I am XXXX XXXX, I am a customer of PayPal with email address as XXXX Recently about 24 days ago PayPal to lock my account and asked for ID card bank statement and proof of address in order to unlock it. 

I have submitted the requested information but it's taking forever for PayPal to unlock my account and because of that I am laying this complaint for PayPal to fix things right for me and I'll remove this complaint as soon as my account is unlocked
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (CO)

To whom it may concern I have noticed this account pop up on my credit report. I also noticed I did not receive notice for an attempt to collect debt on this account, which has denied me my right as a consumer to review and verify that this debt belongs to me as I the consumer don't recognize this debt at all. Failure to send a debt collection notice is a direct violation of my rights under section 809 ( a ) of the FDCPA.
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

Page 1 of 3 AFFIDAVIT The State of XXXX XXXX of XXXX ) ) S.S. 
) I, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, Florida XXXX, in XXXX XXXX, Florida, MAKE OATH AND SAY THAT : XXXX. My name is XXXX XXXX XXXX. 
XXXX. My place of residence is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
XXXX. I was reading over my contract with Oportun. 
XXXX. While reading my contract, I noticed my interest rate was 30.65 % XXXX. XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES states : XXXX XXXX  contracts defined. 
( XXXX ) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds {$500000.00} in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. XXXX. 
( XXXX ) As amended by XXXX  XXXX, Laws of Florida, XXXX XXXX, Laws of Florida, which amended subsection ( 1 ) : ( a ) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to XX/XX/1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise ; and ( b ) Shall not be construed as diminishing the force and effect of any laws applying to Affidavit Page 2 of 3 loans, advances of credit, or lines of credit, other than to those mentioned in paragraph ( a ), completed prior to XX/XX/1979. 
XXXX. XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES states clearly that my interest rate can not exceed XXXX XXXX XXXX. Oportun is in violation of XXXX  XXXX INTEREST AND USURY ; LENDING PRACTICES. 
XXXX. Just to let you know I have filed a compliant with the Attorney General XXXX XXXX and also sent her a copy of this affidavit and the contract. 
XXXX. I have also filed a complaint with the XXXX XXXX XXXX and sent them a copy of this affidavit and the contract. 
XXXX. I have also filed a compliant with the consumer financial protection bureau and sent them a copy of this affidavit and the contract. 
XXXX. Also the contract that was given to me was not in XXXX. 
XXXX. I do not know how to read or speak XXXX. 
13. 15 U.S. Code 2306 - Service contracts ; rules for full, clear and conspicuous disclosure of terms and conditions ; addition to or in lieu of written warranty The Commission may prescribe by rule the manner and form in which the terms and conditions of service contracts shall be fully, clearly, and conspicuously disclosed.

14. This contract that was not a clear and conspicuous contract.
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (UT)

ED Financial will not process my student loan payment. I have been trying to pay my student loans in full since XX/XX/23. ED financial will show that my payment is processing, and then successful. It shows a {$0.00} loan balance. Then, a few days later, it shows a " payment reversal '' but with no explanation. My bank says nothing is wrong, nothing should be preventing the payment from going through. 

Our bank account information is correct. 
I have more than sufficient funds to pay off my loans. 
Our bank has confirmed that it's nothing on their end. 

Meanwhile, interest continues to accrue. I've now tried paying twice and both times ED Financial has reversed the payment for no reason. It has been approximately 17 days without success. 

I can not get ahold of ED financial to fix the problem. Their chat function isn't " available. '' Their phone lines don't work. It told me to expect to wait on hold for 300 minutes ( 5 hours ). I just want to pay my loans and stop accruing interest. 

I know plenty of others are experiencing the same issue. ED Financial won't answer their calls, provide information, or allow us to pay off loans. I can't reach anyone at ED Financial. It is unfair and has cost me hundreds of extra dollars in interest.
Consumer complaint received 2023-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (NC)

I believe the account is invalid. HEIGHTS FINANACIAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HEIGHTS XXXX XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

JeffersonCapitalSystemshas been reporting an erroneous account to my credit file for a while now. They are falsely accusing me of owing them {$1700.00}. I have never had any account with JeffersonCapitalSystems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with JeffersonCapitalSystems simply because it does not exist.. This is clearly a fraudulent act on the part of JeffersonCapitalSystems. Because of their ruthless and illegal practices my credit score, as well as my life, has been impacted negatively. Please resolve this immediately. Cease and desist. Remove
Consumer complaint received 2023-12-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (SC)

I had my vehicle repossessed by Exeter finance and then had {$3000.00} worth of personal property stolen out of the vehicle and part of it was proscription medication and nether Exeter or the repo company did anything to make it right and on top of that Exeter is saying I still owe them {$2200.00} for repo charges and other fees and i paid over that between my down payment of {$1500.00} plus the payments I made on the car and also an employee of Exeter made a deal with me to pay what I could of {$200.00} until I got paid the following Friday and it would keep me from repossession and after I paid it two days later they repossessed the car all of this happened during COVID and they agreed to help me due to my hours at work had dropped because I was doing disaster restoration going into houses to clean and repair from Fire and Water damage and the customers and insurance companys werent letting use in the houses and every time they made a deal with me they wouldnt make good on it and I know for a fact they got full price of the car when it was sold plus the finance charges so since they got all that money plus costed me way more money by having to replace all the things that were stolen from me plus having to pay fees to the department of motor vehicles I feel I shouldnt have to pay them anything because I ended up paying out {$4000.00} to get back even