davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been dealing with TransUnion LLC since XX/XX/2023. They are failing to update my legal name change with the credit bureau and this is causing many issues. They now have two existing credit file accounts for me under two different names. My previous legal name and my current legal name. This is fraud and incorrect information that they are liable to immediately correct. They also keep sending me updated credit information on my current legal name which is unhelpful because they are not including my whole credit history with also my previous legal name. Right now they act like I have only had credit for 1 month are you kidding me TransUnion! My previous legal name was XXXX XXXX XXXX. My current legal name is XXXX XXXX XXXX. I have spoken to them numerous times since XX/XX/2023. The last person I spoke to was XXXX XXXX the supervisor for customer service CCD department. I also overnighted the court documents for this legal name change and I also sent in my updated ss card and DL. They have everything they need. They also are required to send back my court documents which they haven't and have had them for 1 month. They are no help over the phone and I have to wait hours to even speak with someone that most likely has no idea how to handle this situation. This is ridiculous causing way too many problems in my financial life. Please help me resolve this
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

On Friday XX/XX/XXXX, I received a credit card I never applied for. It's the XXXX XXXX XXXX XXXX, provided through Comenity Bank in XXXX, Ohio. Its the actual CARD with the account number, and not a credit card offer. Its slate grey with XXXX XXXX logo on it. It doesnt specify if its XXXX XXXX XXXX or etc. But the attached letter does say it has a {$250.00} starting limit. I also received a couple e-mails from my credit monitoring service saying this account was opened a couple days ago, so I know its real and its now impacting my credit reports. The problem is I was never the one who applied for this card. 

My credit monitoring also looks like someone was trying to apply for an XXXX XXXX card in XX/XX/XXXX, also through Comenity. 

Well I have a vile stepmother whos originally from Ohio, and Im sure she still has friends there. She was HIGHLY likely involved in a credit card theft that occurred after my father died from XXXX in XXXX, among other crimes, and I know for a fact she has access to my social security number from my fathers paperwork. I cant say for sure exactly what she did because theres so much insane backstabbing and silence within my family. I find all of this deeply disturbing, IF theres any kind of connection between the family nonsense and these fraudulent credit card applications in Ohio. She would be in her early 70s now. She currently lives in XXXX XXXX from the last I heard ( several years ago ). 

Im submitting this report through the PA Attorney General and the CFPB. Im not complaining Comenity themselves necessarily did anything wrong. But someone, somewhere is doing some scary, not-nice things with my identity and it needs to be stopped. Im also in the process of trying to call Comenity XXXX XXXX fraud department at XXXX but the automated call service is telling me the department is currently closed and I should try again later. Probably because its Saturday ( XX/XX/XXXX ), but it doesnt give me a time I should call back. I DO NOT want to try calling the card activation number on the welcome letter, because this is not something I legitimately applied for!
Consumer complaint received 2023-03-08
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. (NY)

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

Full payment history for ALL graduate loans missing. Once graduate loans were sold from XXXX to Nelnet in late XXXX and now Nelnet is stating they have no previous payment history. I have been paying on these graduate loans since XXXX so I have at least XXXX years of missing payments. I need a full payment history for all graduate loans
Consumer complaint received 2023-07-31
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE
Consumer complaint received 2019-09-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Overnight on Thursday XX/XX/XXXX the Federal TSP electronically transferred Treasury funds to my savings account at Bank of America. The funds hit my account before the start of business on Friday XX/XX/XXXX. 

The Bank refused to make those funds available to me for a total of 80 hours even though the balance in my various accounts at the bank exceeded the amount of the transfer by 300 percent and the source was clearly described.
Consumer complaint received 2017-07-23
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. (NV)

The XXXX XXXX XXXXXXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XX/XX/XXXXdue to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XX/XX/XXXXto let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (KS)

I applied for the save plan and loan consolidation at the same time on XXXX. The consolation is complete but my payment amounts are not updated to what the government website showed when I applied.

I waited for a week after the consolidation to ensure there was sufficient time to process.

I researched bit online about possible road blocks. Accordingly I reached out using their email form ( the only way I saw to send a written statement ) for an update and uploaded my tax forms that would have been used with the SAVE plan application.

My understanding is the Fafsa website forwards the tax returns but some research I did suggested Nelnet may be having problems accessing that information. So I uploaded a copy of my tax return to the nelnet platform as well.

I do not understand why processing the SAVE plan application is not complete when the consolidation is and I have not received a response to my email to them. Their email form includes identifying information for the account.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (VA)

XXXX reported a car accident on XXXX  that I wasnt involved in to Lexis Nexis, raising my premium. Im not, and never have been a client of XXXX. I disputed the report and they said the data was correct. There doesnt seem to be any other recourse than that dispute, and Im waiting to hear back from XXXX to see if they can help me fix their mistake.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

I applied for the SAVE repayment plan through the FSA website on XX/XX/XXXX. I was told by the FSA that I qualified for a reduced payment. Nelnet confirmed they received the application on XX/XX/XXXX. Since then, I have received no updates despite Nelnet promising to send email updates every 10 days. As of today, XX/XX/XXXX, my application has not been processed and I now have a payment due date under the standard repayment plan. 

Attempts to reach Nelnet via phone have been unsuccessful. Nelnet is directing people away from email and to their phone lines. 

Advice from other people online indicates I need to upload proof of income to Nelnet separately despite linking to my XXXX  federal tax return in my application on the FSA website. However, Nelnet 's website is not allowing document uploads ( the function is broken ), so I can not do this.
Consumer complaint received 2019-09-23
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft  has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
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: EQUIFAX, INC. (IL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-15
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. (GA)

I have requested twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to Experian XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX the 1st letter sent on XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/2022 certified tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (OR)

My name is XXXX XXXX and I had a set of tires put on my truck ( see work order # XXXX ) from XXXX XXXX for a total of XXXX. I paid cash for the tires ( see receipt ). in full so there is no charge or outstanding balance. However it was picked up as a charge to an old account that I once had there and reported to the credit companies in this case Equifax. I went back to XXXX XXXX and talked to their credit specialist and she was kind enough to write a letter for me stating that I did not have an outstanding account there ( please see letter from XXXX XXXX ). I reported all of this to Equifax through their Dispute Center and uploaded these documents, However when they claimed the looked into it, they are saying on my credit score and report that I still have this outstanding balance and took like 70 points off my credit score. I went back and talked to XXXX XXXX and they said they told them I did not have one, she says they are welcome to call back. I am buying a home and the hit to my credit score is terrible and I need it fixed, not to mention I plane don't owe it. Thank you.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (CA)

I purchased a car back in 2019 and my interest rate was and still is 8.94 % which, according to XXXX XXXX, is higher than 75 % members with similar credit profiles. I tried refinancing after a year or two but they said it was too late already and that the rate would not have gone down so much. Another instance I had with Wells Fargo is that I opened a checking account with them as a student and they told me I dont need to have a minimum balance but they started charging me money so I closed my account with them. And having a closed account has affected my credit score according to XXXX XXXX as well. 
Also, last XXXX, I made a big payment for my car to try to pay it off faster. I then get a couple of adjustments in the balance and another transaction that said payment reversal - incorrect transactions. So I dont know if they all the money I added was added towards the car or not.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2023-07-31
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2023-07-31
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. (FL)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2023-03-08
Product: Credit card or prepaid 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: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was attempting, on XX/XX/XXXX, to buy XXXX tickets to a XX/XX/XXXX production of XXXX  at the XXXX XXXX XXXX XXXX in XXXX Ohio. I was online with XXXX and they had ground floor tickets for {$550.00}, which was too much, so I looked at the balcony and it was {$140.00}. I gave my charge card info expecting an itemized bill and all of a sudden it told me I had spent {$770.00}. I had thought the {$140.00} was the total for the XXXX tickets! You can imagine my shock! I attempted to contact the company and cancel the transaction, and was told that it was impossible. ( I might add, I called XXXX, and the balcony tickets range from XXXX XXXXXXXX {$75.00} each, so my thought of {$140.00} was not unreasonable! 
I then contacted my credit card company 5/3rd and started a dispute. This was back on XX/XX/XXXX. They told me it would take a while, until the bill hit my statement. I told them I was taking cruises and would be unavailable from XXXX. They sent me a letter that I needed to contact them by XX/XX/XXXX that my son got from the mail, but I was out of the country. I contacted them, the day I returned XX/XX/XXXX, and told them the situation and they said I needed to fax them information, which I did, so they could reopen the case. 
I faxed them more information XX/XX/XXXX after another phone call. Mind you, we flew to the XXXX XXXX XXXX. I followed up XXXX, by phone, and was told that the process would take about a month. 
I called back yesterday, and was told the case was rejected a second time because of time issues. I was told to fax another letter asking them to reopen the case! This is ridiculous. I have written another letter, but am traveling today and have to figure out how to print a letter and fax it from the next island we are traveling to. In the meanwhile I have not been able to repurchase tickets for the show, now in 2 months.