davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I have called at least three times to discuss what seem to me " phantom loans, '' i.e. loans that I did not take out nor recognize from my personal history, as well as the fact half of the loans these Nelnuts bought from Great Lakes are showing on their website as currently in repayment -- while others ( correctly ) show that I am still enrolled in college. I have been left on hold for 4+ hours twice in the last two weeks, and one day their phones were down. I've also used their web form to submit my questions, once back in early XXXX, and again last week. I have still heard nothing, and am showing on their website that I somehow owe more than a XXXX when I am still enrolled in my XXXX! This is criminal! How are they being paid by the government to service these loans and all they do is charge undue interest, create made up loans, and hide behind a system clearly designed not to provide service to anyone -- but only squeeze as much money out of those who needed money to go to college in the first place? WAKE UP PLEASE!!!
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX, XXXX is reporting a debt on my credit file that has been paid years ago. I am not sure why XXXX is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
Consumer complaint received 2023-10-02
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. (MD)

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 2020-03-19
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to XXXX XXXX. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
Consumer complaint received 2022-12-08
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. (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. 

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 has violated my rights. 

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 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (KY)

XX/XX/XXXX - 1st notice received from XXXX XXXX XXXX XXXX that I was being sued by XXXX XXXX XXXX XXXX in the amount of {$8100.00} XX/XX/XXXX -I filed an answer requesting proof if debt XX/XX/XXXX - photocopies of documents were sent with an " electronic signature '' and conflicting dates and blank dates within these alleged loan documents. 

XX/XX/XXXX - trial date set for XX/XX/XXXX XX/XX/XXXX - trial date moved per plaintiff request to XX/XX/XXXX It is important to note that i just learned about this website and how selling my information to a third party is illegal. Also - the first time I learned about this alleged loan in my name was receiving certified mail from the court. This loan is not on my credit report, I have neve received a past due notice in the mail from the original lender nor any collector.
Consumer complaint received 2023-10-02
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (KS)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have violated my rights.

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 an account without my written instructions.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a XXXX XXXX XXXX XX/XX/2022 however, 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 is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
Consumer complaint received 2023-10-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/23 I tried to renew the CD but I found out they lied from fixed CD rate 3 % to 2 %. 1 year ago, I opened a fixed CD for 3 % at Chase Bank in XXXX XXXX, they insisted me to open an account, credit card- changing people, move me everywhere to distract/ confuse me for 2 hours. I trusted Chase, top 3 banks in our USA, and believe they gave me everything. ( 60-70 pages ) But when I took out the whole package, the CD paper was not there. On the online banking, it shows 3.68 % on my fixed CD account, but the bank manager told me its current rate. If its 2 %, I dont need to move money out of Wells Fargo ! The whole bank lies to me and rubs me {$2200.00}! Please help me and give me the Justice! I believe they do this to A LOT OF PEOPLE! Please help us/ me and my family! ( the money is for my mom/ brothers in XXXX and my son tuition! ) God Bless You and Your Lovely Family! God Bless our American! Thanks
Consumer complaint received 2022-12-09
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. (GA)

XX/XX/2022 I notified XXXX Equifax XXXX that I was victim of identity theft. 
The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

After a health issue in XX/XX/XXXX I fell behind on many bills. These past few months I have been trying to fix that. I settled what I could with what little money I had. I started looking at refinancing my home. During this process, the mortgage company denied me saying Wells Fargo has my account as a charge off but is posting the charge off every month as if it is happening every month. They are also posting late after the charge off. I spent a lot of time trying to find a way to fix this issue. I was offered a settlement for that account. I paid the settlement XX/XX/XXXX. Wells Fargo backed off the settlement and posted on my credit report that the payment made was a payment. I called everyday and got no response from anyone. I finally got XXXX XXXX on the phone. I explained to her everything. They are now posting my account as a charge off. And are beating around the bush to say I didnt settle the account. Without the refinance I can not pay the remainder debts off I have. After reading about the fair credit reporting act, I saw they have violated and ignored it on my credit report many times. I have a letter from them stating if a pay the amount. The account would be settled. They lied to me about that. I can not even get a receipt for the settlement I paid.
Consumer complaint received 2023-03-11
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: CLGF Holdco 1, LLC (NJ)

In accordance with the fair credit reporting act this has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 6048 section 2 it also consumer reporting agency can not without my way and instructions under 15 USC 1666V payment on a credit card account under an open end consumer credit plan for any purpose
Consumer complaint received 2023-07-18
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

On XX/XX/2023, I requested Western Union to initiate a money transfer of XXXX to XXXX XXXX. Transfer number XXXX XXXX. The receiver could not pick up the money due to transfer issues with Western Union. Call back Western Union and they suggested I cancel the transaction and start a new one. I did as they suggested. Western Union has failed to issue a refund for this transaction. I have called 5 times now to follow up on the refund. The current escalation number is XXXX. When they issued the escalation number to me on XX/XX/2023, they said the issue would be resolved in XXXX to XXXX hours. Call back today XX/XX/XXXX, and XXXX days later they can not provide any updates on my refund. I need help getting my money back. Western Union is just stalling on this issue and is providing no assistance.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF OMAHA (NY)

On XX/XX/2023, I received a letter from, First National Bank of Omaha ( fnbo ), informing me of an increase in my interest charges. 
In the letter they stated that they obtained my credit score from XXXX on XX/XX/2023, and based on that score, which they stated was " XXXX '' my interest rate is increasing to 27.24 % starting XX/XX/23. 
When I checked my XXXX account on XX/XX/23 for scores, I found my score to be XXXX not XXXX. 
I then checked my report, from before XXXX ( XXXX ) and it was XXXX, I then checked my report for XXXX again it was XXXX. 
I called customer service and explained to them that my XXXX score was XXXX not XXXX and asked them where they got their score from. They completely blew me off and told me that if I had an issue, I must contact XXXX. 
I contacted XXXX and they said my score was XXXX. They also told me that fnbo was using XXXX Data not XXXX Score and using their own formula to get the XXXX and could not tell me which scoring model they used. 
I did have my report sent to me. 
I called fnbo again, and told them what XXXX said about their score, they insisted that they were using my XXXX score to wich I replied but it is XXXX not XXXX. Again, they said if I had a dispute, I had to take it up with XXXX. 
After receiving my XXXX credit report still showing my score as XXXX. I discovered that fnbo accessed my XXXX credit report on XX/XX/23 not XX/XX/23as stated in their letter. 
So my complaint is this, First National Bank of Omaha is not using XXXX XXXX to make the discission to rase my interest rate as stated, but they are using their own formula to create their own score, to raise rates on an account that has never been delinquent or over drawn.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

My credit report at Experian is frozen currently. I am unable to control my freeze status either through my online Experian account or the phone number ( XXXX XXXX ) that was given to me when I paid for the ability to control my freeze status ( XX/XX/XXXX ). 

When I successfully access my online account, I am sent to a page to acquire a annual credit report. This process fails and I am given the number XXXX. Each time ( at least four time ) that I called this number, I am unable to get to a person to provide me access to control my freeze status. 

When I call the number XXXX XXXX, I was asked whether I want to freeze my account and given two options : 1 ) Go to my online account or 2 ) send a letter. I sent a letter on XX/XX/XXXX with all the required information ( drivers license and a utility bill ) asking to reactivate access to my control of my credit report freeze by both my online account and by phone.
Consumer complaint received 2023-10-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc. (MT)

On XX/XX/XXXX I purchased a reloadit pack, issued by Blackhawk Network California , Inc.. I put {$400.00} on the card at the register. My receipt says AUTH : Approved, as well as an approval number. On the Reloadit Pack it states to go online and set up a Reloadit safe. I have attempted to open a safe for 72+ hours now, have spoken to 4 customer service representatives, and been assigned 3 different case numbers. I was told that I would be contacted by email after 24 hours, however, I have yet to receive any sort of correspondence. I put this money on the card, so as to pay bills that were/are due. Now they are overdue. Is Reloadit going to pay my late fees?! This is completely asinine, and what claimed to be a fast and easy process, has turned into a complete nightmare! I just want my {$400.00} back, and will NEVER EVER use a prepaid system again. I feel like this was a complete and total scam. They should be held accountable, and charged with fraud.
Consumer complaint received 2023-10-02
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. (NC)

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 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 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called Transunion and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to Transunion and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 Informative XX/XX/2019 Thank you in advance