davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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. (TX)

XX/XX/2020, {$520.00}. TransUnion is both a credit report and Collection agency as per conversation with XXXX and TransUnion. TransUnion LLC. aka TransUnion took on a third party contract ( which TransUnion failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated TransUnion was acting on the collection agency side on the date of submitting to the bureaus. TransUnion LLC abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). TransUnion failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, TransUnion made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that TransUnion was the agency to contact, I spoke with TransUnion on XX/XX/2020. Transunion advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with TransUnion the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. TransUnion refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All TransUnion advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****TRANSUNION HAS VIOLATED MY RIGHTS AND HAVE USED COVID19 to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MS)

Acct : XXXX Nelnet has refused to discharge my loans multiple times. I, XXXX XXXX XXXX, a living natural person has reported a XXXX along with a corrected version that were accepted and mailed to Nelnet 's XXXX office from the IRS. XXXX is considered a negotiable instrument and does categorize as tender of payment. 

UCC 3-603 states : b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Furthermore, my last CFPB complaint states that my loan was already discharged with my signature and traded on the secondary market for their own beneficial use. Nelnet replied that this was not correct, they do not trade on the secondary market and that I was responsible for the debt despite my account being transferred from the original holder in due course. I took the liberty of finding Nelnet 's words on their XXXX form filed XX/XX/XXXX and it reads as follows : Investment portfolio - debt securities The XXXX invests excess cash in debt securities, primarily student loan and other asset-backed securities. Included in NFSs debt securities portfolio are certain of the Companys own asset-backed securities ( bonds and notes payable ) that were issued to finance student loans that the XXXX repurchased in the secondary market. For accounting purposes, these notes are eliminated in consolidation and are not included in the Companys consolidated financial statements. However, these securities remain legally outstanding at the trust level and the XXXX could sell these notes to third parties or redeem the notes at par as cash is generated by the trust estate. As of XX/XX/XXXX, the par value and fair value of the XXXX debt securities held in the XXXX division, including its own asset backed securities, was {$900.00} XXXX and {$820.00} XXXX, respectively. The XXXX has entered into repurchase agreements ( debt ), the proceeds of which are collateralized by the asset-backed securities ( bond investments ). As of XX/XX/XXXX, the XXXX had {$200.00} XXXX of repurchase agreements outstanding that were collateralized by {$250.00} XXXX ( fair value ) of asset-backed securities investments.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (IL)

I reached out to them XX/XX/ 2022 about closed charge off account being removed. The account was closed and sold to a debt collector. Trying to get money but never responded to me within the 30 days. I asked for the account to be removed. Its at 7 years already
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. ()

Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. 

I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX  ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. 

According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. 

I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. 

Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. 

Thank you for your time and consideration. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-03-20
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. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IN)

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a financial dispute that has caused significant distress and financial loss. On XX/XX/XXXX, I initiated a transaction from my PNC Bank account in the amount of {$4600.00} to XXXX XXXX with the intention of sending money to my family in XXXX through an exchange for XXXX Naira. 

However, my experience took an unfortunate turn when XXXX XXXX requested certain documents that I was unable to provide, leading me to cancel the transaction. XXXX XXXX assured me that the funds would be promptly returned to my PNC Bank checking account. Regrettably, despite their promises, the funds did not reappear within the promised timeframe of five days. 

Concerned about the delay, I contacted XXXX XXXX 's customer service, and they informed me that the money had been released to my bank. To my dismay, upon reaching out to PNC Bank 's customer service, I was informed that they had no record of the funds being received. Consequently, a dispute was opened on my behalf. 

After waiting for approximately three weeks, on XX/XX/XXXX, I received a letter from PNC Bank stating that my dispute had been denied due to " no error in transaction. '' This decision left me deeply frustrated and distressed. Undeterred, I continued to engage with XXXX XXXX, persistently contacting their customer service on an almost daily basis. Each time, I was given the assurance that the funds had been released to the bank. 

In an attempt to find a resolution, XXXX XXXX sent me an authorization form confirming the release of funds, which I promptly presented to one of the bankers at a PNC Bank branch. Despite my efforts, I was once again informed that the funds were not available. As a last resort, in XX/XX/XXXX, I visited the PNC headquarters in downtown XXXX. There, a banker disclosed that fraudulent activity had occurred, as the original transaction amount between myself and XXXX XXXX was {$4500.00}, yet the bank had deducted {$4600.00} from my account. 

Since then, I have been tirelessly fighting for the return of my funds. I have provided all relevant documentation, engaged in numerous discussions with both XXXX XXXX and PNC Bank, and even visited the bank 's headquarters in person to seek a resolution. Unfortunately, my efforts have thus far been in vain. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie. 
Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call. 
Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.
Consumer complaint received 2023-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department, TransUnion wo n't give it to me. I 'm told I just need to call back to the regular number and asked to be transferred. 

I feel TransUnion is treating me different based on my prior complaints to the CFPB, and now TransUnion is failing to provide me the same assistance as they will to others on the phone.
Consumer complaint received 2023-03-08
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

CHASE VISA CREDIT CARD XXXX Bought items from a vendor for {$290.00}. Vendor did not ship as promised so I canceled the order. Items came anyway and I returned them XX/XX/XXXX Opened dispute with Chase. Credit given. 

XX/XX/XXXX Chase called saying Vendor challenged dispute. I submitted info showing I returned the merchandise. 
XX/XX/XXXX Called Chase and inquired about the charges. Rep said I wouldn't be billed. 
XX/XX/XXXX Chase rebilled by card for over {$290.00} twice for a total of {$590.00}. 

So my XXXX statement shows these additional charges. A phone call to Chase service center yesterday ( XX/XX/XXXX ) did not remove the charges. I'm supposed to call the disputes group again tomorrow to resolve. I am frustrated that Chase is billing again for an item I demonstrated that I returned and Chase billed me twice saying I owe the additional charges.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Account # - XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - 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.

Kia Motor Finance this is my last warning before I take legal action against your company. Your company is reporting inaccurate information to XXXX, XXXX, and XXXX! This account should be reflecting as paid in full and closed, yet your company is still reporting this account as a paid charge off which is inaccurate.

1. ) Your company are reporting three charge-off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX. It's impossible for an account to be charged off and still report monthy payments. This account need be updated to paid in full and closed. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency, there's no late payment or past due on this account, yet your company is reporting a charge off. I would have to be XXXX, and XXXX late for this account to be charged off and I wasn't.

2. ) Your company are reporting two charge-off for the month of XXXX and XXXX to XXXX. Remove the charge off for the month of XXXX and XXXX, because the previous month are showing 'paid on time and update XXXX and XXXX to paid on time. I would have to be 30, 60, 90, and 120 late for this account to go into charge off status and I wasn't.

3. ) Your company is reporting a charge in the month of XXXX to XXXX which is inaccurate. In order for a charge off to take place I would need to be 30, 60, 90, and 120 late and I wasn't. The previous month are showing on time payment. This account needs to be updated to paid in full and closed.
Consumer complaint received 2023-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

I have been trying to reach Nelnet for months. I am enrolled full time at XXXX XXXX, so my loans should be on hold. I have tried calling where they hang up as soon as I get through the hold, which has not taken less than an hour at this point. I have tried using their chat, which disconnects as soon as someone " becomes available '' to help. I have tried emailing their customer service and written request email inboxes, which no one has responded to. 

Finally, I received my FIRST notice from Nelnet yesterday ( XX/XX/23 ) that I had a bill due and it was being auto-payed because I had previously set up that feature with Great Lakes XXXX I had logged into my online account not long ago and it showed a {$0.00} balance due for this month before the XXXX. However, this is a major problem. My informed delivery through USPS can prove that the notice was not received until AFTER the due date where they had already taken the money out despite the fact that I should be in deferment for being in school full time. 

All of this follows my attempt to receive expanded public service loan forgiveness which Great Lakes failed to process. Nelnet reps last year said they were looking into it, but never actually did, and told me I was ineligible for PSLF because I had already received it, even though I had specified multiple times it was in regards to the EXPANDED one-time forgiveness I attempted to apply for when it was available.
Consumer complaint received 2023-03-06
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. (PA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Hello. I was lured and scammed into paying someone XXXX} through XXXX  on XXXX XXXX. I was selling furniture on XXXX XXXX, and the buyer wanted to pay through XXXX. I received an email that XXXX would not accept payments over XXXX} because i needed to upgrade to a business XXXX account. The buyer proceeded to send me {XXXX} and i received an email that she had sent {XXXX}. She proceeded to demand i refund her the XXXX  to upgrade my XXXX  account to a business XXXX account. I ended up paying her XXXX to refund the amount that appeared to have been paid to me. I realized it was a scam a few minutes later and immediately called my bank ( PNC ) to cancel the transaction within minutes. By that time it was too late and the bank refused to assist with the scam.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was selling a mattress on XXXX for {$150.00}. I received an email from an interested buyer. Email shows the following info about him. 

Name : " XXXX XXXX '' Email : " XXXX '' Phone : XXXX XXXX XXXX XXXX I contacted him over the phone and he said that he is out for work but will send cashier 's check via mail. I was ok with that as I wasn't aware of the cashier 's check scams on XXXX. He sent a cashier 's check of {$1900.00} and mentioned that his assistant created this check to pay the movers {$1800.00} once check is deposited. So, I deposited the check on XX/XX/2020 and waited for the money to be available. The check info is added on the recipient bank above but actually it is the sender. On Monday afternoon XX/XX/2020, the money was available in my account. He messaged me to inquire if the money is available to which I said yes. So, he gave me the address " XXXX '' to send {$1800.00} ( {$1900.00} - {$150.00} of mattress ) to the movers via Zelle. I did that through my bank, which has the option to send money using Zelle. Once I gave him a proof of transaction, he said he will schedule the pickup of mattress shortly. The next day, I looked at my account for a different reason ( second stimulus checks ) and found a hold on his check. I texted him that there was a hold today and he return the {$1800.00} until the hold is removed. He said he would do that. At that time, I felt bad about this situation and searched online to find XXXX scams using cashier 's checks. I was worried but it was already XXXX XXXX. So I waited till next morning to call my bank and report this. I checked my bank and he had not refunded the money which I expected. My bank opened a fraud case and I am currently waiting to hear back on this case. I called him and texted but there is no answer. 

Zelle and Banks should protect clients from such scams/fraud by allowing revert of transactions that are declared fraud/scams. 

I have all the info available including the text discussion.