davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

My student loan payment is due today, XX/XX/23 with Nelnet after recently being tansferred from Great Lakes. I logged in online to make the payment and the website informed me that the payment would not be made until XX/XX/23 because it was roughly XXXX XXXX  EST ... apparently the cut off is XXXX XXXX  EST. 
I then called to see if I could make the payment via phone, but there is a XXXX Minute wait time to speak with someone. I made the payment via their IVR/Automated system . The system told me the payment would be in effect for XX/XX/23. the email confirmation states the payment effective date will be XX/XX/23. I do not yest know if this will be considered a late payment as I am still on hold ( XXXX Minutes ) trying to speak with someone. How can a loan servicer be allowed to have XXXX Minute wait times? Secondly, there is no information found online regarding if this payment will be considered late.
Consumer complaint received 2022-11-29
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. (CA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-11-02
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 (PA)

I have received 3 Amex rewards cards in the amount of {$25.00} a piece in the past year. I've tried many time to use them. Ive tried using them everywhere that accepts Amex cards. They are always declined and my purchase is always with in the balance amount. They just don't work. And when you call them to check your balance the give the balance and tell you it is active and it should work, but give no explanation as to why they aren't working. They give me a number that is for XXXX and XXXX gift cards that does absolutly nothing to help. I am frustrated beyond words. I just received a new one from my company again a few days ago and tried today, XX/XX/2023, to use and the card was declined. I called again and was given that number to call XXXX XXXX XXXX which is for a XXXX or XXXX gift card. No help at all. I have all the account numbers, expiration dates and balance of all the cards
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like all incorrect personal identifiers removed from my credit report. Please view the letter attached, the information labeled accurate is the only information that should be on my credit report. Please remove the previous addresses as they are incorrect also.
Consumer complaint received 2023-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (TX)

On XX/XX/XXXX, I received an offer from a utility company. XXXX XXXX, mailed me out a offer of {$600.00} to switch my utility switching fee would be paid. acct # XXXX. 
XXXX XXXX, acct # XXXX XXXX XXXX was prior utilitiy. early cancelation fee was {$600.00}. After speaking with a XXXX. I switched over. that conversation took place. after giving all my info the XXXX. I spoke to a rept. gave the information from my mail of {$600.00} dollar switch over fee to that representative. I informed the representative to secure my closer fee to reliant. I informed the XXXX representative, I was not renewing my lease. When I find a cheaper resident, I would be in contact with them, now that was at the time of registering with XXXX, in XXXX. XX/XX/XXXX, I requested service be out of my name as of XX/XX/XXXX. Now this XXXX company. is now back stepping their agreement. I have struggle paying a few utility bills on time but always caught up. 
XXXX are taking advantage of me. I have been XXXX! Causing a collection company to effect my XXXX XXXX XXXX yrs. The collection XXXX XXXX XXXX ( XXXX ), report # XXXX. XXXX is now XXXX up a higher utility bill for XXXX, XXXX. And for the month of XXXX and XXXX for a XXXX of {$500.00} some odd dollars. I was out of my appartment on XX/XX/XXXX. They tell the shut off order the sales representative got disconnected. No way there was repeatedly informed him to disconnect. 
On top of this is I could no longer afford to pay my rent located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after XXXX yrs. of residency. ( On XX/XX/XXXX 2023
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

ANSWERING A FINAL JUDGMENT ON A MOTION FOR WAGE GARNISHMENT ON XX/XX/ I SENT THE CHEK # XXXX FROM XXXX ON THE AMOUNT OF XXXX. THIS CHECK WAS SENT BY CERTIFY MAIL TO PORTFOLIO RECOVERY ASSOCIATES AND RECEIVED BY THEM AS I CAN SHOW COPIES OF IT. 

UNDERSTANDING THE WAY THINGS WORK, THE GARNISHEE WITHDRAWN FROM MY PAYMENT IN TWO PAYCHEKS THE AMOUNT OF XXXX. UNTILL, WE ASKED TO STOP SINCE WE SATISFY THE PLAINTIFF IN THE TOTAL AMOUNT OWE. 

AFTER SEVERAL PHONE CALL WE WERE PROMISED THE RETURN OF THE AMOUNT PAID IS EXCESS. ON XX/XX/ WE SENT A CERTIFY LETTER ASKING FOR THE RETURN OF THE AMOUNT THAT NOW OWE US. SINCE THAT DATE NO COMUNICATION, INFORMATION OR ANYTHING HAVE BEEN RECEIVED. 

ON XXXX XXXX WE SENT A CERTIFY LETTER TO THE OFFICE OF THE ATTORNEY GENERAL OF THE STATE OF FLORIDA ASKING FOR HELP IN THIS MATTER. 

AN EMAIL FROM XXXX XXXX FROM THE XXXX XXXX XXXX XXXX FROM THE ATTORNET GENERAL OFFICE RECOMEND TO CONTACT THE VIRGINIA ATTORNEY GENERAL SINCE THE COMPANY IS LOCATE IN THIS STATE.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I have a serious problem when it comes to verify my identity and public records due to having XXXX LexisNexis consumer files, split files, missing and incorrect information. 
I have only had XXXX TAX ID 's which are : My Individual TaxPayer Identification Number ( ITIN ) My Social Security Number ( SSN ). 

However with LexisNexis I have found multiple LexisNexis reports when I requested my public record disclosure report, multiple SSN attached to my phone number, multiple incorrect SSN, multiple incorrect name variations, and multiple old addresses preventing me from being authenticated or verified. 

So far I have found the followings XXXX 's linked with my personal information : - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) The following last XXXX digits of XXXX have being incorrectly associated to me and linked to my phone number XXXX : - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) Please check if there is any other information associated to my phone number and remove it. 

The following should be the only SSN attached to me and my phone number : - Last XXXX SSN : XXXX ( CORRECT SSN ) For the missing information at some point I was able to see my Pilot licenses but as of now I do not see my PILOT LICENSE from the XXXX XXXX XXXX ( XXXX ), and my DRIVER LICENSE information from the Department of Motor Vehicle ( DMV ) records on my LexisNexis report.
Consumer complaint received 2023-12-28
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. (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. But 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the Experian credit bureau and told them that the bank agreed to not report the late payment account. I believe Experian is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$4300.00}
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (PA)

Re : XXXX XXXX XXXX .... 

Attempted several times to try to correct this misreported information I do not have an account with XXXX and did not have this account with XXXX. I need to know why this information is reported and not removed for it is fraudulent
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (FL)

I discovered several fraudulent accounts on my Credit reports from Home Depot being serviced by Citibank. I decided to give up and settle on account ending in XXXX  which had a balance of XXXX. 
On XX/XX/XXXXXXXX  I made payment in full with my debit card. The payment cleared my bank they are now refusing to provide a paid in full letter, acknowledging they received my payment and report XXXX balance to credit bureaus causing me prejudice to my credit report.
Consumer complaint received 2023-05-01
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/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
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Balance : {$6300.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-09-26
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. (TX)

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. 

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 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 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2024-04-24
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
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: Experian Information Solutions Inc. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (MI)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2023-12-28
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to prison ( I provided the info to bank of america ) and while incarcerated someone got access to my information. They changed all my info and withdrew all my money. I have been trying to get my money back and the bank will not give it to me.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX