davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I looked at my report back on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX these account are not fraudulent accurate because late date report, date last active, last payment is not correct. 

They have not responded to me here is my tracking number : XXXX Can you look into this matter Delete XXXX. XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX. U.S. DEPARTMENT OF EDUCATION Account # XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Consumer complaint received 2020-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

To whom it may concern ; I recently took out a loan from my equity of my house and use it to payoff my student loans. The title company got cashier 's check in my name and sent to XXXX ; however, due to an automatic payment that was drafted out of my bank account before I could cancel, the pay off amount to XXXX was more than the current balance owed. I've since contacted them on several occasions, spoke to at least 3 representative to inquire about my refund. They kept telling me that a refund was issued to a XXXX XXXX XXXX, which I don't even know how to track down to get my refund back. A cashier 's check was made in my name payable to XXXX and I want them to issue my refund. The amount owed to me is {$110.00} and I have been unsuccessful of trying get my refund back from XXXX.
Consumer complaint received 2023-02-28
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. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (IL)

Zelle is a digital payments network run by a private financial services company owned by the banks : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. I am not able to access Zelle 's payment network or to send money and this has been the case for more than one year. 

How the issue started I have a checking account with XXXX XXXX and a checking account with XXXX XXXXXXXX XXXX My Zelle account was previously linked to my XXXX XXXXXXXX account ; but, because I do not use that bank account often I tried to switch the bank account associated with my Zelle account to my XXXX XXXX account -since I use that one more often. Despite this being normal and proper, Zelle considered it suspicious and suspended my account permanently. Please note I am the legal owner of the XXXX XXXXXXXX XXXX account and the XXXX XXXX  account ( i.e. same legal name, same birth date, same social security number, literally same person ). I have called Zelle numerous times to try and resolve the issue, I have called XXXX XXXX XXXX numerous times to try and resolve the issue and I have also called XXXX XXXX numerous times to try and resolve the issue ; and, every time Zelle says I need to call XXXX XXXX, XXXX XXXX says I need to call XXXX and XXXX says I need to call Zelle. I have already done this ; and, none of these XXXX entities have ever resolved the issue. Therefore, I am filing this complaint with the hope it gets resolved.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to update my email address. But the TransUnion website instructions stated it can be easily change by going to my profile, but it didn't work. It does not allow for change/update. The button is greyed out even though I was able to type in my new email address. 

Furthermore, I called yesterday and was left on hold for over 45+ minutes with no one answering.

Then I tried to use their website instruction on the " Chat '' service by click the button at the lower right-hand corner ... ..well there was no button there. 

So I resorted using the XXXX XXXX hoping that someone can help. The chat stated I was connected to " XXXX ''. I stated my issues and asked if " are you there ''. And after 20+ minutes, there was no response. 

What does it take to change a simple email address with TransUnion? 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (GA)

I have contacted Experian concerning fraud on my credit report and they refuse to remove the fraudulent information off of my credit report. 


I have been disputing the fraudulent information for months and still have not gotten any results nor deletions on my credit report. I went to the police to report the fraud that occurred in my name. Experian  refuse to authenticate the police report and remove the items off of my credit report.
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Yesterday XX/XX/XXXX I saw that two payments totaling {$6800.00} were removed from my bank account by Aidvantage. 

I called yesterday XX/XX/XXXX and spoke with someone at Aidvantage. We confirmed the statement from XX/XX/XXXX for payment coming out on XX/XX/XXXX would be for two payments totaling {$1000.00}. The person I spoke with said they would offer me a refund and she needed to email her supervisor. I asked to be CC 'd on the email. As far as I can see on my end no email was sent. She asked if I wanted to go off auto pay, as if that would fix the issue. If you receive a bill for one amount how does that amount multiply by 6 without notification? 

I sent an email to loan servicer the evening of XX/XX/XXXX stating this same statement above. No response this morning. 

I called again this morning XX/XX/XXXX and spoke someone and relayed the story again. She said they can not do refunds or wire transfers and that I would now need to contact my bank to dispute the charges. This woman also alerted that we can never talk to the same person again when I asked her name. SO each time we call we talk to someone different and need to relay the same story again and get a different answer. 

When I spoke with my bank to dispute the charges, my bank notified me that it could take 10 plus days to receive this money back. I Why are there numerous stories and ways to handle things. This loan company stole almost {$6000.00} dollars from my bank account and I now need to fight to get it back. 

This degree of error could be detrimental to someone causing overdraft fees, late bills such as mortgage payments while they wait for funds to be returned. Its inexcusable.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (MS)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as XXXX v. XXXX XXXX XXXX XXXX XXXX ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2023-02-28
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX : # XXXX Account U S DEPT OF EDXXXX : # XXXX Account U S DEPT OF EDXXXX : # 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 instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-04
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. (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 2024-01-21
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. (NC)

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXXTransunion is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXXTransunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-11-01
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: SANTANDER HOLDINGS USA, INC. (NJ)

I told the credit reporting agency XXXX XXXX that Santander Chrysler was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXXXXXX or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed
Consumer complaint received 2023-03-04
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. (IL)

This is my countless request 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, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX XXXX XXXX PL XXXX, IL XXXX XXXX OF XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-21
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. (FL)

The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.
Consumer complaint received 2023-03-04
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. (CA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX CARD XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my other 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (SC)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX XXXX XXXX Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? XXXX paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Consumer complaint received 2021-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

On XXXX XXXX 2020 I received a refund from XXXX for an item I Purchased with my visa Credit Karma card which i have provided screen shots of The refund was issued was to post in 3 days I called Credit karma to inquire about why the refund has not been posted on the 3rd day Which today is XXXX XXXX 2020 I was told by customer service 2 different things one rep told me funds would not be made available till Monday XXXX XXXX which is unacceptable another told me That she does not see a refund issued on my account I called XXXX for a second time to see if they did issue the refund and i was told by their rep the refund was issued on the XXXX of XXXX I was also told by a representative at credit karma That i made using their visa card to release my personal banking and routing information for a refund which is unheard of for any type of refund They say Credit carma uses XXXX XXXX as their bank I called XXXX XXXX  and was transferred back to credit karma because XXXX wasn't able to access my account even though all transactions regarding my account goes through XXXX for routing purposes thru Credit Karma Credit karma should not be allowed to have access to people 's funds or money if credit karma can't even provide a customer with any kind of account information support or access to the customers actual funds a third party does they are not the bank XXXX is the bank and XXXX XXXX handles their customers not credit Karmas customers.If you have a credit karma account as a customer you have nobody to speak to in customer service who can accurately help you with funds or deposits made in your account This company should be looked in to as a whole as this is not the first issue I have had with them regarding funds in my account And I would caution anyone who reads this to never sign up with credit karma This company is not a safe financial institution to keep any of your funds