davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2019-12-26
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

EdFinancial is my loan servicer. I made a request for a refund on the payment on XX/XX/24. They told me it can take 90-150 days which is ridiculous. I have seen other loan services already start refunding. I called again last week as well as today and still no update. My loans havent been reinstated nor have I gotten a refund.
Consumer complaint received 2022-10-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have submitted a complaint to Experian about their reporting data on my XXXX  account. They continue to show a balance eventhough XXXX shows XXXX. The other credit agencies show XXXX. I have sent the do moments showing accounts all have XXXX. XXXX has done the same. So either Experian chooses to ignore the data ate they are incompetent
Consumer complaint received 2023-05-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I XXXX XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2012. A consumer credit transaction that involved a finance charge. 
15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash. The finance charge is also supposed to include insurance but Navy Federal Credit Union made me purchase insurance separately. Navy Federal Credit Union is supposed to provide me the right of rescission according to 15 USC 1635. This is a consumer credit transaction and Navy Federal Credit Union did not clearly and conspicuously disclose this information.
Consumer complaint received 2023-01-16
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. (PA)

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 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 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

I have had a credit card XXXX with Citi ( originally AT & T ) for many years. I always pay with automatic payments. Recenltly I changed banks for payment services. I entered the new bank name, routing number, and account number into the Citi site on a timely basis. However, I received a penalty of {$28.00} for, supposedly not paying the card. I checked the website again, and everything was in order. There was no indication Citi had the wrong bank information. Nevertheless there was a penalty. I contacted Customer Service. After extended discussion, I was told it was a " computer glitch '' on their end and they corrected it and appologized. I was assured the {$28.00} penalty would be removed. 

XXXX : It just seems to be technical glitch, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : yes it does XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : We have taken care of this for you. 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : So I am current now? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Yes XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX You : No penalties or changes in my interest rate? 
XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Not at all However, the {$28.00} fee was not removed. I contacted City again, and City was simply not responsive at all. No one responded to my questions. I gave up and tabled the matter for a few weeks. 

Today ( XX/XX/2019 ) I received an email claiming my latest payment was not made. I contacted Customer service and messaged " XXXX '', and she said my automatic payment was cancelled. No explanation. I am certain I did not cancel it. On the contrary, as explained above, last month I spent inordinate time making sure the auto-pay was working. Citi is behaving irresponsibly with my account. XXXX offered no help with the problem and refused to transfer me to a supervisor. I gave up, called XXXX and spoke to XXXX XXXX, who offered no explanation. However, XXXX XXXX acknowledged that I had set up automatic payment, but It was later cancelled by the bank with no reason given. XXXX XXXX assured me that the payment would now be processed, that auto-pay is reinstated, and there is no penalty. Naturally I am skeptical.
Consumer complaint received 2022-10-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : U S Dept of EDXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2019-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

An account under the name of XXXX XXXX XXXX was opened in my name and is listed on my credit file. It states it was opened on XX/XX/XXXX. I do not have any knowledge of this account. The account was charged off and sold/transfered to LVNV FUNDING LLC. on XX/XX/XXXX. I did not know of this account until Spring of XXXX when I began looking into my credit report due to our credit being checked by potential landlords. On XX/XX/XXXX I filed a dispute with XXXX  regarding the account. XXXX  stated their result as follows, " Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. '' I'm unsure of why this account is still on my credit file and I am not allowed access to any other information regarding the dispute or how they came to this result.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my follow-up complaint 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 items 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Not a duplicate. 
NMAC received in XX/XX/2021 written instructions to delete this consumer credit transaction off of all my consumer reports. Pursuant to 15 USC 1681b ( a ) ( 2 ) NMAC may only furnish in accordance with written instructions from me the consumer. My rights are continuing to be violated.
Consumer complaint received 2023-06-28
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)

This is my 10th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$5900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/2019 I wrote to Citibank alerting them that XXXX  XXXX XXXX has no authorization to initiate debit transactions to my checking account XXXX, and asking them to block any further ( erroneous -- see related complaint ID XXXX-XXXX showing incorrect double-charges ) attempts by XXXX  XXXX XXXX to charge my account. 

On XX/XX/XXXX Citibank wrote a form letter ( XXXX ) speaking to the reversal of the previous incorrect charge and closing the case. 

On XX/XX/XXXX at XXXX Citibank allowed XXXX  XXXX XXXX to withdraw {$870.00} from my account with the full knowledge ( from my previous letter ) that XXXX  XXXX XXXX was NOT AUTHORIZED to do so. I attempted to contact Citibank again in writing, but the only online method they have, " chat '', was unable to help me and Citi does not accept electronic messages ; as I am traveling I am unable to write another paper letter to them. 

I would appreciate your intervention with Citibank so that they stop this unauthorized electronic withdrawals of my funds. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I got hired by XXXX XXXX XXXX to work for a client called XXXX, upon getting hired they gave me a payroll card from 'XXXX XXXX XXXX ' I only worked for them for 3 hours due to the fact that I thought it was not going to be a good fit for me. I received my wages like normal and decided to find another job. That same week i found another job and decided to use the payroll card to receive my direct deposit. To confirm I called 'XXXX XXXX XXXX ' to ask them if I could use this payroll card for a DIFFERENT employer, they said yes but that I must first upload my documents because apparently they had a different date of birth on file. So on XX/XX/2019 both my deposit went through like normal AND I also uploaded my documents which are A ( IL Driver 's License ) B ( Birth Certificate ). To confirm they had received them I called them on Monday, XX/XX/2019 they ( XXXX XXXX Customer service department ) stated they had not received any documents and that to give them a call back the following day. As XXXX was approaching I became anxious and so I immediately called them back on Tuesday the next day, they told me the same thing, no documents have been received. I was told to give them a call back on Thursday or re-upload my documents but I told them that is not a good option as their website XXXX already SHOULD have my documents and thats sensitive information to be putting out on the internet like that, exposing me to fraud. So essentially they have been unfair in my opinion and unprofessional because of the amount of time its taking and the promises they have made like gives us a call back tomorrow type of thing its getting annoying to deal with them when they keep telling me to just give them a call back and hopefully it gets resolved which it hasn't. My account is locked and without a date in which I can start to use it again. Also they refuse to close the account.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is a last attempt before taking legal action on the federal level through the court system in the form of a lawsuit. I have file a few complaints with CFPB and disputes with Experian. I have received a letter from XXXX XXXX placing the onus of information change on Experian, and Experian 's dispute resolution process letter state that XXXX XXXX has updated information accurately. 

I have the law FCRA, Chapter XXXX bankruptcy, Letter of rescinded reaffirmation, complaints and disputes that show no progress has been made in this matter. 

The status of the account is NOT " open '' and nothing should be reported as " {$0.00} written off '' that is " charge off '' language. Also, the account should be positive, not " By XX/XX/XXXX, this account is scheduled to go to a positive status. '' This is Adverse Action Notification to defy the United Stated Bankruptcy law and FCRA that all debts discharged through Chapter XXXX can not be subject to what I deem as " double jeopardy ''. As well, in defiance of the law they have " Recent Balance : {$20000.00} '' while not trying to collect on a debt. Comments reflects my subsequent complaints that there is collusion to circumvent CFPB complaint process with statements in the comment section : " Account previously in dispute - investigation complete, reported by data furnisher. This item remained unchanged from our processing of your dispute in XX/XX/XXXX. Date of Status : XX/XX/XXXX ''. This is same information reported before and after the dispute. 

I would like CFPB to start the process of taking action of penalty against both corporations : XXXX XXXX XXXX XXXX and Experian. I would like to speak with a supervisor or manager to pursue this to the fullest extent of the law through your complaint process. I would also like a statement from the director and or your legal counsel. Also, I will be in contact with Judge XXXX and his clerk to see if he sees any legal impropriety to obstruct bankruptcy law. Therefore, once I have obtained all relevant legal information I will take under consultation to pursue the matter in the XXXX District of PA or the XXXX District of New York.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (PA)

In XXXX of XXXX, I reviewed my Visa statement from UPGRADE, INC. and found several fraudulent charges made to my account ending in XXXX. These charges were listed as being placed by " XXXX XXXX, XXXX XXXX XXXX '', a company I have never heard of nor done business with in my lifetime. 

I immediately contacted UPGRADE, INC., the card company, and explained the situation. The charges were {$25.00}, {$25.00}, {$25.00}, {$25.00}, {$25.00}, and {$9.00}. All charges were listed as taking place on XX/XX/XXXX totaling {$130.00}. Approximately 5 weeks after filing the dispute, I received notice that the investigation was complete and that I would be credited all monies to my account. UPGRADE credited my account {$100.00}. At some point, they also credited {$15.00}, however, this left a balance of {$15.00} on my account. 

I am currently receiving a bill for {$15.00} which I've been disputing now for months. I have made several calls concerning this issue. On my last call, I spoke to a customer service representative named XXXX at XXXXXXXX XXXX on XX/XX/XXXX. I spent XXXX minutes and XXXX seconds with her on the phone, where XXXX minutes of it was spent holding while we waited for someone in the disputes department to answer. We finally hung up with the promise that she would call me back as soon as she got word from the disputes team. She called back at XXXX XXXX and basically told me to take care of the matter in some other fashion because they were not interested in taking care of the issue, even after I mentioned contacting CFPB to file a complaint.