davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-09-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (MI)

Nelnet recently sent me a billing statement in mistake. XXXX XXXX fraudulent consolidation loan is currently being service by the U.S. Department of Education XXXX XXXX XXXX XXXX ).. I am currently waiting on results from the U.S. Department of Education XXXX XXXX identity theft package I sent the XXXX I also told the U.S Department of Education XXXX XXXX I am not going to pay the consolidation loan. Once a student loan goes to the U.S.Department of Education XXXX the loan can not be transfered to another servicer unless it is consolidated or rehabilitation, I chosed neither. 
Nelnet to consult with the U.S. Department of Education XXXX XXXX. Nelnet is not the servicer of XXXX XXXX fraudulent consolidation loan the U.S.Department of Education XXXX XXXX is and Nelnet has no standing in this issue because I am not going to pay. If Nelnet does not answer this complaint with government CFPB I will consider this issue is solved with XXXX
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( 1 ) 15 USC 1681 Section 602 states i have the right to privacy.

( 2 ) 15 USC 1681 Section 604 A section 2 : it also, states a consumer reporting agency can not furnish a account without my written instructions ( 3 ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Reviewed my credit report and I disputed the XXXX  XXXX bankruptcy that was listed on my credit report. And they said that it was valid but they couldn't tell me how it was validated so its a violation of my rights it needs to be removed any any of the other accounts that are on my credit report asap I did reach out to the US bankruptcy court XXXX XXXX  of Illinois. The attached letter states the courts to not report any information to the credit bureaus so how did this information get on my credit report?
Consumer complaint received 2023-09-13
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (WA)

I was approved for Covid19 Benefit, but I never received it nor the Debit Bank Card.

I have spoken with the ESD Department and they informed me that all the Covid19 benefit was sent to the Key Bank ( for over XXXXXXXX XXXX ). Them, I was really calling both Departments about my benefit. But. The Bank and the ESD was only pushed me around from Department to Department. From ESD to The XXXX Bank and each time I called I was given different misleading information regarding my benefit. After a year with both Departments I went to court in Washington State Office of Administrative Hearing and the Court granted all in my favor on XX/XX/XXXX XXXX  XXXX., Docket XXXX XXXX XXXX XXXX Agency No XXXX XXXXThen ESD informed me that all the benefit was sent to key Bank. Calling key Back again they said that the account is closed and to call ESD Department, Finally the key Bank asked me to fax them all the court Documents which I did ( to Fax XXXX XXXX XXXX XXXX ) and I got confirmation number ( XXXX XXXX XXXX ) from the bank that all is updated and a new card with be send in XXXX days. I have never received the Debit Bank Card yet. Calling the key back again they informed me that the account id closed and they do not have any information regarding this case I have been mislead by the Key Bank and lied too on every time I call them, Then The XXXX  Bank told me today to call the ESD department again. I have been pushed around to much already and the key bank is not acknowledging that fact the=at I a sent them the Court Documents.

Therefore I an appealing to your Department with the Key Bank Befit Card account and my due benefit to be paid to me in full as soon as possible. 
Thank you XXXX XXXX New Phone : XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (TX)

In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

A wire transfer was made from my phone through a scam call on XX/XX/XXXX. The amount was {$10000.00}. I immediately called the bank and told them not to let this wire transfer go through and I went down to the bank branch to also report this and other fraud that was done on my account. 
They gave me reference numbers from my claim and I told him to put a hold on my account for days later more fraud was done to my account so they did not put a hold on it and also acted like they did not know much about the {$10000.00} that was gone. I am still getting the runaround from the bank. They finally sent me a letter telling me they were unable to retrieve my funds and that the case was closed. I dont understand how I can not be protected from my financial institution. I thought they were supposed to protect me with the consumer protection act for up to {$250000.00}. I would like to take my money out of this bank, but there are still disputes going on from mid XXXX at this point I just dont know what to do.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account and a safe box someone sent a fraud garnishment, a spoof that they were with the State Board of Equalization after they tapped my phone and watched me go their the bank gave them more than {$2000.00} cash.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (CA)

I do did not authorize/ recognize the following hard inquiries listed on my account : 1. XXXX XXXX XXXX Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Date : XXXX Business type : Bank Credit Cards Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Date : XXXX Business Type : All Banks - non specific Address : XXXX XXXX XXXX XXXX, XXXX, ND, XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-12-09
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NY)

In 2021 i experienced financial hardship and requested for my monthly payments to be lowered due to it and my loan company has denied that request. I have went to several car dealerships and they have mentioned I was paying more for my auto loan more than any other car.
Consumer complaint received 2023-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

I applied for SAVE payment plan and provided all of the required and requested documentation. I did this well in advance of the deadline for repayment to resume. Nelnet confirmed receipt of my application, and then promised to update me by email every 10 days as to the status of same. 

I have not received any emails from Nelnet, and the deadline is approaching. 

Hold times are in excess of XXXX, and that is unacceptable when they only have hours of operation that fall within a work day. I can't simply sit on the phone waiting and hoping for someone to pick up. 

The amount I am supposed to pay for my first payment has changed a couple of times and there is no clarity on whether my application for the SAVE program is accepted. 

Nelnet is going to mess up credit scores and repayment schedules because they are not organized and do not adhere to even their own deadlines. If Nelnet is the servicer, collection should not resume until Nelnet can effectively service a loan. Nelnet faces no consequences if they miss a deadline, the debtors face ruined credit scores, inability to finance cars/houses, and the uncertainty of knowing whether Nelnet is about to mess up their finances. 

I understand that Nelnet is facing a huge job in getting up to speed on the loans assigned to them and that it is difficult in scale. Nelnet chose to accept that responsibility and is failing to execute effectively. Choices have consequences, etc etc.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (OH)

Approximately the XXXX or XXXX week of XXXX I discovered via XXXX XXXX a new credit card from XXXX XXXX had been placed on my credit report. I immediately contacted XXXXXXXX XXXX  and was informed they did not have any accounts with me. I then filed a dispute with XXXX and Equifax. XXXX apparently has removed permanently the XXXX XXXX account from my credit report. However according to XXXX XXXX, Equifax removed the XXXX account on XXXX, and placed it back on my credit report XXXX, I them a requested a copy of my credit report from all three bureaus. Approximately XXXX I received my Equifax credit report, and the XXXX account was still on the report. I immediately filed a written dispute with Equifax. Toward the end of XXXX I contacted Equifax to inquire into the status of my XXXX written complaint. I was informed they did not have it. I them submitted a XXXX dispute via phone. On XXXX Equifax mailed a letter stating they wound not be investigating the dispute submitted in the end of XXXX. Stating theyre currently processing the dispute submitted the first of XXXX. And that I would have the results of the XXXX dispute within 30 days of the date the dispute was received by Equifax. Its XXXX, and I havent received the results of the early XXXX dispute. Im getting the runaround!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-09
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (FL)

I applied for the Citi Bank XXXX XXXX XXXX XXXX that included a XXXX miles bonus and was approved on XX/XX/XXXX, since this date I have been monitoring my incoming mail to confirm receipt and avoid any issues. I have communicated to Citi Bank numerous times concerned about the delay in receiving my card and all they tell me is to continue to wait one more day etc. On XX/XX/XXXX I received a text message and a automated phone call stating that the card was returned to Citi Bank and to call them that my mailing address is incorrect. The many times I communicated with Citi Bank I had to verify my identity and my address was never an issue because it is recorded correctly with them. I called Citi Bank XX/XX/XXXX and notified them of the messages I received, the representative canceled that card and processed another card this time expedited for receipt in two days. I visited my Citi mobile app today XX/XX/XXXX and a new credit card number # XXXX was created and then I noticed that said " Account Closed ''. I went ahead and contacted Citi Bank once again immediately XX/XX/XXXX and reported this to them and the representative advised me that the previous representative I spoke with on XX/XX/XXXX did everything wrong and that he was going to contact customer service to assist and correct this problem and errors made to my account, finally I need to wait 7-10 days for an update.
Consumer complaint received 2023-09-13
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. (GA)

XXXX XXXX XXXX of Birth XX/XX/XXXX SSN # XXXX Date : XX/XX/XXXX This letter is in regards of a dispute with XXXX After ordering a copy of my credit report I have notice that its inaccurate information on my credit report. And I have/had know knowledge of these accounts. 

In accordance with the Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # : XXXX This account reporting is in violation of 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 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.

I this inaccurate account deleted from my credit file!!
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2023-04-13
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. (WI)

this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY
Consumer complaint received 2023-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Twice I have had resurgent capital services contact me in 2022, asking for me to pay on an account that was fraudulently opened in my name. I let them know and proved to them it was fraud. Someone opened a card in my name, and made payments on it in my name. They stopped making payments and it was handed over to lvnv funding debt collectors.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of correct social and ID. Again!!!!!
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/, I received a phone call from a phone number of XXXX. They claimed to be CHASE Bank and was alerting me about some fraudulent activity going on with my account. I was on the phone with them for awhile until the kept me on hold for over 10-15min. when i then hung up the phone. Later, about 2-3minutes later, I received a text message from CHASE bank, stating that my checking and savings account had a balance that was below {$50.00}. I then checked my accounts and noticed multiple withdrawals from an ATM that was not authorized by me. It was multiple ( XXXX ) transactions of {$100.00}, {$200.00}, {$300.00}, and $ XXXXThat itself made it clear that there were some definite suspicious activity going on. The total amount that was taken from my account was {$4400.00}. I immediately contacted CHASE bank to file a claim of fraud to my account that same day ( XXXX XXXX ). CHASE bank had denied my claims XXXX and XXXX. I then called CHASE bank to get an explanation for the denial. They then wanted me to provide proof that the transactions were not made by myself. So, on XXXX XXXX, I sent over credit cards statements that show myself not in the same area when the transactions were made with time stamps and everything. I also provided a Police report I made. I then waited for another 14-20 days for CHASE Bank to reply, and I got nothing. So I made another phone call to CHASE Bank on XXXX XXXX. The person from CHASE said that they did not reopen my claim for whatever reason and directed me to a Claims Manager. The Claim Manager, XXXX claims that there was not enough proof that it wasn't me that authorized the transactions and claimed that CHASE is not responsible for any of the lost funds. I'm going to continue to do what is needed for this issue to be resolved as I am a victim of fraud. 

Claim # 's : XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX ; XXXX XXXXXXXX ; 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 : It also states a consumer reporting agency can not furnish a account without my written instructions