davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-11-06
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: Experian Information Solutions Inc. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I negotiated a charged off account with XXXX XXXX with Citibank reps for the amount XXXX to be paid by XX/XX/2024 and I paid this on XX/XX/2024. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX Repesentative ID : XXXX
Consumer complaint received 2023-11-26
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. (FL)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want those items deleted from my credit reports effective immediately : living address or previous address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida and XXXX XXXX XXXX XXXX  XXXX XXXX Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as well.These are the most recent. And there are various hospital bills that do not belong to me from The villages Florida from a while ago that was on there. I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and inquiries from my credit report because my score has suffered greatly and it's still suffering because I am still getting inquiries that are not mine. 
In the year 2020 month of XX/XX/XXXX day, I began noticing inquiries that didn't belong to me and having to scour my credit report because of such inquiries that were not mine as well as charges or services that did not belong to me and improper information on my report that did not belong to me. And then later down the line after searching it all ring a bell, I must have been a victim of this credit breach and my information was and still is being sold and used wrongfully by criminals.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

Last XXXX I received promotional checks with 0 % interest rate till XX/XX/year> with a one-time 4 % transaction fee. I used it. Later I found the credit card still charged me some interest. I called the credit card which is issued by 5/3 bank. I was told that the 4 % transfer fee is not at 0 % rate. I looked through the mailer with which the promotional check was sent and there is nowhere stating that the I have to pay an interest for the transfer fee. 

I got similar offer from other credit card. They did not charge any interest for the transaction fee.
Consumer complaint received 2023-11-06
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

XX/XX/year> I requested for equifax to lift my security freeze I was told that it would be lifted this never happened XX/XX/year> I called equifax again and was told my address was not up to date I started a dispute to change the information I was told that the credit freeze would be unfrozen for 24 hours this never happened I received results to the dispute of updating my address but then all access was blocked I tried calling equifax and was to told to verify my identity through a link the representative stated she sent the link twice and I never received it I then stated I would send a test text message I then received the text message with the verification link I was told the verification failed I then was asked verification questions that were successfully answered and I was told that also failed
Consumer complaint received 2023-11-06
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. (FL)

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were not authorized by me. 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 inquiries removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

- XX/XX/2023 received an email notice from Nelnet that my student loan had been transferred from Great Lakes to Nelnet. At this time, though, by student loan balance was {$0.00}, as it had already been paid off. 
- XX/XX/2023 I checked my credit report via XXXX XXXX and saw several increases in my student loan balance, reported by Nelnet. Between XXXX to XXXX, the balance went to {$350.00}, then to {$410.00}, to {$2000.00}, to {$3400.00}. 
- When I tried to log into my Nelnet account, I received the message We do not have a current, valid email address or phone number on file for you to send the authentication code to, despite proof that they already have my correct email address ( hence their original email to me ) and my phone number has not changed. 
- There should be absolutely no balance owed on my student loans, and certainly not over {$3000.00} after only 3 months of student loan payments starting again in XXXX.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I tried making transactions using my AMEX gift card but none of it went through. I called customer service which was not able to help me and suggest that I continue making transactions elsewhere. Ive seen other people on line struggle with the same issue. At this point, I just want a check with the same amount as the gift card.neither XXXX nor XXXX nor XXXX XXXX worked and I am very frustrated and disappointed. It must be an AMEX issue as seen online because my original balance is the same and Ive activated the card.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I do not know the exact date that Wells Fargo froze my personal checking account stopping thousands of dollars in transactions because they did not inform me. It was sometime in early XXXX. By the time I found out in XXXX ( as I started recieving late notices, lapse in coverage form insurance policies etc. ) it had wreaked havoc as all of my bills, payments have been on autopay for many years. I have virtually no history of bounced checks, payments or anything adverse to effect my account which has been in good standing for over 20 years. There was virtually ZERO reason for this freeze and Wells Fargo admitted this error in writing but they are not offering any remedy for the financial chaos and losses I have experienced. So their letter of apology means nothing. I don't believe a bank should be allowed to do this and not have to be responsible for the consequences their actions have had on me, my finances, my credit and especially the loss of over {$500000.00} in life insurance policies that I've owned for years that I am no longer healthy enough to replace. It is devastating to me that my family/ estate will not be protected now upon my demise. The stress of this has also impacted my health ( which is already compromised ) and well-being considerably. Please help me.
Consumer complaint received 2022-11-08
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. (MD)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Midwest Service Bureau, Inc. (AR)

XXXX XXXX has called me from Midwest XXXX agencies. I have spoke with him and tried to settle the debt but he wouldnt give me accurate information. The numbers just do not add up. He also contacted my previous employer as well as my current employer and my girlfriend harrassing us. I have told them repeatedly i am on the national do not call registry and he still continues to call. He told my boss information that was private and hurt my employment which eventually lead to me having to leave the company. I am sick and tired of being harrassed by this same individual. He used profane language on the phone calls and calls me at least once every other day. I have tried to settle debt with the original collector and they will not accept any form of payment if it isnt the full amount.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (AL)

I sent money to my Citi savings from my XXXX savings for 6 months. Then, I needed the money to pay cash for a house til I refinanced. Citi has a {$50000.00} monthly transfer out so I made that and then called to do verify a wire transfer for the other {$50000.00} I needed. I spent 30 minutes of the phone with a foreign representative who was hard to understand who placed me on hold multiple times. During her questions verifying me the phone call had static and I could also hear her coworkers in the background laughing and talking. Once I was finally verified she told me the transfer would go through since we close in 2 days. The next morning I wake up to check my accounts. The money wasnt transferred to XXXX so I logged onto my Citi Account and the savings account was gone. I called Citi and had another static phone call with a foreign representative who put me on hold for 20 minutes. He said my account had a security hold on it but he didnt know why and hes researching it. This is the most frustrating and scary thing Ive ever encountered. I will not ever use Citi again and I wont be using them for my credit card either. If I dont get my money back, I will be suing. Im also at risk of losing the house Im supposed to close on because theyre holding my funds.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-12-16
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)

My student loans are through Nelnet. I have a large federal loan, and one smaller private loan. I make payments larger than the accrued interest, yet a portion of the interest remains. I do not have an understanding of how payments are dispersed. The website does not present information in such a way that an ordinary person can understand it. Even my wife, who has a degree in XXXX, does not understand. 

My interest has just about doubled over the last week, even though I am making consistent payments monthly. 

There is literally no provision on the Nelnet.com website where a person can designate that their payment satisfies the interest, or designate a specific dollar amount to the principle. 

I wish to keep my interest down, yet it continues to grow.
Consumer complaint received 2024-02-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Credit Management has repeatedly contacted me despite the fact that I am represented by an attorney. I have provided my attorneys name, phone number, and address on multiple occasions. I have sent letters and my attorney has send a cease and desist letter to them on my behalf.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX of XXXX we reported 12 fraudulent charges on our Bank of America Mastercard totaling {$2300.00} for 4 different hotels between XX/XX/XXXX XXXX XX/XX/XXXX in XXXX, Illinois XXXX XXXX XXXX, Illinois. The charges were initially credited along with interest but then denied on XX/XX/XXXX. We called and got a supervisor on the phone XXXX XXXX XXXX who was very helpful and actually pulled up the fraud file and noted that each of the charges were suspicious and none of them were made by phone but neither was the card present with any of the transactions. He advised that this claim should not have been rejected. He called me back every XXXX weeks to advise that he was having the claim reprocessed. On XX/XX/XXXX I received a letter that the claim was " resolved '' and " We're happy to let you know a credit ( s ) has been placed on your account that includes any interest charges an fees that you were charged. '' it went on to say ... '' You don't have to do anything on your end- you'll see the credit ( s ) on your monthly statement. '' We waited and waited for the credit but it never came through. I began calling to ask about the credit and then I received an undated letter with a XX/XX/XXXX postmark, stating, " Recently we received your notification that you do not agree with our resolution regarding the claimed fraud charge ( s ) in the amount of {$2500.00} on the above referenced account ... .While you disagree with the outcome of your fraud claim, the amount of the dispute is still owed, in accordance with your Account Agreement. '' I called on XX/XX/XXXX and was passed through 2 people and was told that they saw no credit on my account per the XX/XX/XXXX correspondence ( in my file ) but that the XX/XX/XXXX letter I referenced did not appear in my file. I asked for a supervisor and was told I would receive a call back. I never received a call back and despite ongoing calls am told that the claim was rejected and it too old to be revisited. With the initial claim of {$2300.00} plus interest for the past 3 years, this amount is substantial!!