davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

I have a student loan account that is currently in Forbearance,. There are XXXX accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal credit union has restricted my account for there mistake, they have committed fraud against me and this was a legit account Im tired of being treated badly by this credit union, this defamation of character, they closed this account because I reported several months ago that navy federal credit union had almost open an account by using my personal information, when I reported what I found they pointed the finger back at me and then tells me whatever is owed on these acounts will be chanted to me, navy federal credit union has committed deceptive business practices I will also file a FTC complaint against navy federal for the bad business practices and fraud, I had that account for over 3 years I have never been treated with such disrespect I will seek legal assistance I will sue navy federal credit union for using my information illegally, they fail to take action when I reported that account that was being used with my name. Nothing was done but, they pointed the finger at me and told me that my account was closed due to fraud but navy federal credit union committed the fraud, they will held responsible for any charges owed sense in being blamed because this credit union is just that bad, poor customer service. Im a veteran I have been treated just that bad, they need to settle this with me before I file more complaints and hire an attorney
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and saw some accounts that I do not recognize : Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
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. (IL)

On XX/XX/2022 I sent in a dispute letter to Transunion Disputing INACCURATE information that is being Furnished on my credit report, I didn't get a response & now I feel very frustrated with their efforts. I even called to get an update on the status of my disputes with still NO response from the company. 

The following Innacurate Accounts are INACCURATE. 

XXXXXXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is so annoying & frustrating. Ive sent the credit bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the credit bureau 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX Open Date XX/XX/XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX, and XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (IL)

I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX  Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX  Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.
Consumer complaint received 2022-04-19
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. (IL)

its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

I initially found out that I had a debt that went to collections after it had already ended up on my credit report. I immediately looked up the phone number to Conserve and contacted them when I saw it listed on there. I also paid this debt immediately. My husband and I asked them why I had not received any communication about this debt and their response was that they werent ever able to get ahold of me and they arent allowed to leave a voicemail ( company policy based on a law about being leaving information about debt on a voicemail ). It would have been appropriate to AT LEAST leave a voicemail to request a call back. I would have also appreciated a notice in the mail, but I never received anything in the mail. I was given an address over the phone that was several years outdated. It is unfair to me that I was NEVER made aware of this debt and wasnt allowed the opportunity to pay it immediately when notified of it. I work for a XXXX  XXXX, so I do not answer phone calls from unknown numbers. However, I will call them back if they leave a voicemail and I know that theyre legit. This is unfair practice and I want Conserve to be investigated.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I made a deposit into my business account XXXX XXXX on XX/XX/XXXX for over XXXX. I went to make sure the balance had posted after the XXXX, and it had. I didn't need to write checks with that particular account and assumed there was no issue and made small purchases up to today 's date and they cleared with no issue. I went to charge my healthcare test to the card today for {$140.00} and it was declined... twice. I opened up my account and they have placed a hold on the funds since I saw them clear after the XXXX. I have outstanding checks that will clear as of today 's date, so I called them to see what the issue is now. I spent collectively on the phone over 45 minutes between holding and speaking to people. They informed me they had placed a hold on the check, never said why other than the need to verify funds which is XXXX  considering they have had the funds in Chase for over 6 days ( I verified this with XXXX XXXX XXXX  ). I held a federal and state-chartered banking and broker license in the XXXX 's so I understand the banking world somewhat. This is nothing more than Chase doing this to a plethora of people all at once as it aides the fractional reserve banking/lending system we use currently- great for the lending process but egregious to we the consumers and a major inconvenience. Was never notified by Chase-no call, no email no nothing- just an after the fact " we are sorry ''. The verbal band aid they like to use when they have no meaningful reasoning behind their actions- complete baseless and without merit. They tried to blame XXXX XXXX XXXX as the culprit as XXXX XXXX XXXX will not verify anything over the phone, not sure why you need to verify the funds are in your account when you can see them. BTW the other account the check was written on belongs to me as well so I saw when it cleared that side. Extremely bad customer service on all fronts and I will use this account sparingly till I can get to XXXX XXXX A to open another account there. Please hold Chase Bank accountable for their actions and I would like to know if there are any other agencies that I can file with.
Consumer complaint received 2022-04-19
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 noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

I have XXXX credit cards with Citibank and have since XXXX and have never been late and pay my cards off every year. 

In XXXX of XXXX Citibank lowered the credit limit on my credit card after a late payment was reported. This late payment was disputed and removed from my credit report. 
However, Citibank refused to raise my limit back up and this caused a XXXX point drop in my credit report. 
Now, XX/XX/XXXX, Citibank is using this XXXX point decrease in my credit score, THAT THEY CAUSED, to lower my credit limit on my XXXX credit card with them. This is also now impacting my credit score.

I have tried to discuss with Citibanks 's CS and they give me the run around saying it is tied to my credit report and to review that even though I have explained the error. No one listens or cares that they are affecting my finances.
Consumer complaint received 2022-04-19
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. (CT)

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of ED/GSL/ATL XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX. XX/XX/XXXX. account # XXXX 3.XXXX XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp. (SC)

On XX/XX/XXXX I electronically paid off the entirety of the debt on my car, on XX/XX/XXXX the money cleared my bank. monday XX/XX/XXXX I go to the dmv to get my title and the DMV tells me that omni has not released my title. As soon as they electronically release my title I will be able to get my title I call omni on XX/XX/XXXX and they tell me they can nor release my title for several weeks because they have to make sure the bank can not recall the money, but if I go to the bank and get the bank to say that they will not ask for the money back they will release my title all I have to do is fax them a statement from the bank showing that the payment is good. I go to the bank get a statement showing that the money actually came out of my account, the bank manager assures me that they can not recall that money, then they put the bank stamp on it. 

The omni person told me to put her name on the fax, " XXXX '', and I was to fax it to XXXX, with early release, and proof of payment/cleared bank highlighted on the paper I sent it. She said that they could get it released by the next day. 

I call then ext day on XX/XX/XXXX and now a new person says that they wont even get the fax for 72 hours.

They are just making me run around and jump through hoops. I need my title now, not several weeks from now. All they have to do is press a button to release my title electronically and they refuse even though they have the money, and proof its been paid.
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MD)

I recently applied for XXXX XXXX credit card, for dental implants. I applied initially to Synchrony bank. I was denied. I did not understand, because I have good credit, which I check all the time. I then applied through another company, and was approved right away, up to {$10000.00}. So now I am really curious why I was declined for service by this bank. 
I got the denial letter, two weeks later. The claim on the letter said I was denied because I already had an existing account. The information was not correct. I had never heard of the bank, nor were they ever on my credit report. 
After calling and investigating why I was denied, the agent on the phone, XXXX, put me on hold, came back with an unacceptable answer. He said I was denied, because a few years ago, someone applied to XXXX XXXX, with my social security number, which is still in their system. I asked them, how could someone use my social, and this info not show up on my credit report. He did not have an answer. 
As a consumer, I take pride in watching and monitoring my credit report. I am very familiar with what is on the report, because I check it all the time. I have not been denied credit in years, so, I thought I better follow through with this complaint. It does not make sense, therefore, I am asking for an investigation. I am also attaching letter of approval from the XXXX XXXX, in the amount of {$10000.00}, when I applied with them. 
Thank you in advance.
Consumer complaint received 2022-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (TX)

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX which is incorrect. As stated prior I have NEVER had insurance with XXXX  insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-19
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  XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-13
Product: Credit reporting 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. (IL)

I do not recognize these credit inquiries and I have asked for them to be removed. The credit bureaus did not do as I asked. Im providing a identity theft report, and I am requesting the Inquiries to be removed because they are inaccurate and not mines.
Consumer complaint received 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I have a mortgage with AmeriSave on my primary residence in XXXX and make payments into an escrow account held by AmeriSave to pay my taxes. 
On or about XX/XX/XXXX, I received a letter from the Town of XXXX stating that AmeriSave had not paid my XX/XX/XXXX taxes due XX/XX/XXXX. I immediately contacted AmeriSave customer service who directed me to send an email to their Research Department with all relevant information, which I did on Friday XX/XX/XXXX. 
I did not receive a response from AmeriSave until XX/XX/XXXX, when XXXX XXXX notified me that she had initiated research into this issue. I responded to XXXX XXXX highlighting that the Towns letter indicated that payment was due by XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that AmeriSave was working diligently on the issue and that she would continue to provide updates as the matter reaches resolution. 
It has been a month since XXXX XXXX last correspondence, I have contacted both XXXX XXXX as well as AmeriSave Customer Service. Customer Service stated they would again escalate the issue and a supervisor would contact me within 48 hours. I have not received any further communication from anyone at XXXX. 
In speaking with the Town, they have advised me if AmeriSave does not pay the past due taxes by XX/XX/XXXX then Massachusetts law requires the Town to place a notice in the paper followed by recording a tax lien with the Registry of Deeds. This will cause me both legal and reputational harm