davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you review the paperwork? A few of the mentioned accounts contain inaccuracies concerning reporting, incorrect amounts, and dates.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I need to update my payment due date. According to Nelnet website, we can do this by " contacting us. '' The two ways to contact Nelnet are by phone call or by website email. I attempted to call, but the wait time for the call center on a Tuesday morning ( XX/XX/XXXX around XXXX XXXX ) is over 20 minutes. Their call service does not offer a call-back option. This is my complaint number 1. It should be essential for the call center to offer call back option. This technology exists, and it must be instilled so that customers can enter a call que and not waste time on " hold '' for 20+ minutes. 
Secondly, I emailed the company and requested to have my due date adjusted. This request was sent into their business during the month of XXXX, XXXX. It is now the end of XXXX, XXXX and I have not received a response. I have a payment due in the next 14 days. It is unacceptable to not accommodate a payment due date request, if I am not receiving my paychecks at the current due date. This should have been easy to resolve in the user account online, yet this company requires this process to be done by " contacting us. '' And now they won't reply to my contact, and make it impossible to speak to them on the phone within a reasonable amount of time. my previous student loan account company was significantly more user friendly. Nelnet us the opposite of consumer friendly.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the presence of fraudulent information on my credit report, specifically in relation to the following accounts : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX I have thoroughly reviewed my credit report and can confirm that these accounts are reporting information that is not associated with me. I have never had any dealings or financial obligations with these entities, and I believe this information has been inaccurately attributed to me. 

I hereby request an immediate investigation into the fraudulent information associated with these accounts. I insist that you take the necessary steps to verify the accuracy of the information and promptly remove the fraudulent entries from my credit file. It is of utmost importance to me that my credit report accurately reflects my financial history and responsibilities. 

Upon resolution of this dispute and the removal of the fraudulent information, I kindly request that you provide me with a corrected copy of my credit report. This corrected report should accurately represent my financial standing and be free from any inaccuracies caused by the presence of these fraudulent accounts. 

I understand the significance of maintaining an accurate credit history and ensuring the security of my personal financial information. I am prepared to assist in any way necessary to expedite the resolution of this matter. Please inform me of the steps and any supporting documentation required to proceed with the investigation and dispute process. 

I anticipate your prompt attention to this matter and a timely resolution of the fraudulent entries on my credit report. Your assistance in rectifying this situation is greatly appreciated. 

Thank you for your cooperation and commitment to maintaining the integrity of my credit history. I look forward to receiving a corrected credit report once the fraudulent information has been removed
Consumer complaint received 2023-10-31
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. (CA)

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (KS)

U.S. Bank did it again. They did a payment reversal on my payment that I made to them. I know they are going to charge me a late fee they are I swear trying to XXXX me over and ruin my credit.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

Long story that dates from XXXX XX/XX/XXXX I am a XXXX  in XXXX . After XXXX  years of XXXX  at a XXXX XXXX XXXX, XXXX  can fill out the XXXX Loan Forgiveness Application. I have been a XXXX  for XXXX  years ( and counting ) at my amazing qualifying  XXXX. 

I filled out the application as normal and it was rejected due to my name change. This is understandable. I sent in proof of my new name and thought everything was all clear. 

My application was not accepted AGAIN, but I was not informed. I called Nelnet ( XXXX hour wait time which is hard for anyone ) and talked to XXXX person that says now the date is incorrect and where the application asked for the years of employment ( from____-to____ ), there should be a date on " to ''. I stated " If you fill out a job application and they ask about your employment history you would say " current '' if you still worked there correct? '' Once stated, the representatives would agree but escalate me to someone hire up because I had been told all I needed to do was change. 

XXXX ( Supervisor Solution Specialist ) said that date was not the issue the letter was rejecting the forbearance which I was not asking for an extension for. They said they have received the application and it would take XXXX  days to process from when they received the application. They received it on XX/XX/XXXX meaning that XX/XX/XXXX it is XXXX days. Now she says the name change is affecting this. The name change is effective XXXX. So XXXX from XX/XX/XXXX ok sounds good. I asked " could I get proof? '' She could not give me proof so I asked to speak with someone who could. 

XXXX ( Support Specialists ) understood the issue and said I was correct and tried to create a letter so I would have proof that my application has been accepted but they can't create " proof '' ( How convenient ). 

I was sent a letter saying my application can not be processed AGAIN. Because of the date I thought this was a from the XXXX other hour long conversations I had had with the company and it could not be from the recent conversation with XXXX, they told me I was good to go. 

It is now XX/XX/XXXX and they are giving me XXXX additional reasons why my application was not accepted. Interest has accrued with no " reimbursement '' in sight. 

I can't do anything about this at this point. If someone would have simple told me what to " fix '' in XXXX I would have followed the directions. Every time I call there is a new reason. I feel am getting the run around as a apart of a way to hold me hostage to Nelnet. 

I have made the appropriate adjustments to the new standards. My hope is the work I have done in the XXXX  is appreciated. 

If I could I would move my loans but I can not. 

Thank you for reading -XXXX  : )
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 Account number : XXXX reported on my report late payments. According to 15 USC 1681 transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my report.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my OTHER 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 inquiries 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 inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
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: EQUIFAX, INC. (FL)

This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I have put XXXX, XXXX and Equifax on notice for months. I am a victim of identity theft. I sent in police reports FTC REPORTS to no avail. I even identified the persons who stole my information and used it to set up multiple accounts in my name for XXXX XXXX. XXXX XXXX has video evidence of the fraud. this amount to willful non compliance 15 USC 1681N this is hurting me and harming my business and mode of living see attached documented 1 identity theft letters identifying the fraud accounts 2 ftc report 3 police report 4 state ID 5 SSN 6 Proof of address insurance card this fraud listed in my letter is not related to any transaction initiated by me If this continues to report I will send all said docs including this complaint to my North Carolina Attorney General XXXX XXXX please remove asap 15USC1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-31
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. (GA)

XXXX, Experian, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


XXXX. XXXX XXXX  {$690.00} XXXX. XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$520.00}
Consumer complaint received 2023-10-31
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

Possible violation of FCRA as I have reported to the comapny ( XXXX  monthly that the information in the report is inaccurate but they did niot investigate and also did not prevent individuals who had no business in my report to be in the report.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any in formation 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 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

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 2024-01-12
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX