davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 I received a call from my Citibank ( XXXX XXXX Branch ) relationship manager Mr. XXXX XXXX that there were some KYC questions that he wanted me to answer. 

I answered those questions and Mr. XXXX informed me that the would make the necessary changes at his end. 

Later on XX/XX/2020 I tried to make a withdrawal from my Checking account with Citibank using my ATM/Debit Card but was denied. I contacted Customer Service at Citibank and learned that a " Block '' had been put on my account by Mr. XXXX. The customer service agent informed me that they had sent Mr. XXXX an email about this. 

On XX/XX/2020 in the morning, Mr. XXXX called me to let me know that he would have the " Block '' removed by the end of the day. In the evening, however, when I tried making a withdrawal, I was once again denied. I was also informed by a vendor that a check I had issued to them last week had been returned. 

The following are the bank 's details : Citibank XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, NY XXXX Relationship Manager : Mr. XXXX XXXX Tel : XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (FL)

I have two cards from Direct Express to get my retirement money every month.this month of XXXX they cancelled my card without my concerned and send me a new one witch is block.both cards now are blocked and I can't get my money.i am an old person that has health problems, XXXX XXXX XXXX XXXX, and probably I have another XXXX XXXX XXXX XXXX.i called Direct Express for more than 5 days also the Social security.now because neither wanted to help me I decided to open a bank account and tell Social security office to send the money there but I have to call Direct Express they said.i call Direct Express but they don't want to send my money to my bank acct
Consumer complaint received 2024-03-16
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. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX : Account XXXX We are in receipt of your letters of XX/XX/XXXX. On behalf of our daughter, XXXX, we dispute the claims made by XXXX and XXXX XXXX XXXX. 

We informed both XXXX and Nelnet previous to our XX/XX/XXXX payment of $ XXXX ( confirmation XXXX ) that XXXX has been living out of the country, has been unemployed and has executed a Power of Attorney so that we may pursue reformulation of her student loans that we have previously paid. Default was threatened at that time and I confirmed with both XXXX and Nelnet that said payment would stop such actions pending reformulation. 

If such is not the case, then XXXX and Nelnet may be guilty of deception. 

Sincerely, XXXX cc. XXXX XXXX XXXX XXXX Nelnet Consumer Financial Protection Bureau
Consumer complaint received 2020-01-16
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)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

XXXX and TransUnion have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX. XXXX has removed the XXXX as requested. 

Inquiries I disputed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I pulled my Consumer report and I am showing XXXX XXXX XXXX XXXX is reporting XXXX inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Consumer complaint received 2020-01-11
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. (CA)

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with XXXX and therefore any account with XXXX has to be removed.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked XXXX, Experian & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified. 

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have a collection agency " portfolio recovery '' who is constantly contacting me about an account I " owe '' to them. I asked for proof of the original lender or company and they refuse to provide me the information. I sent them a letter and received no response, just threatening and harassing calls.
Consumer complaint received 2020-01-16
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. (PA)

Dispute with trans union regarding XXXX XXXX at XXXX I co-signed a lease for my daughter the beginning of 2018. She was going to start XXXX University XX/XX/2018. I already paid an application fee which was not returned XXXX XXXX was unprofessional and disrespectful to myself snd my daughter They said they could not uphold the lease because my credit score was too low. That should have been determined before they allowed me to sign the lease The {$710.00} is in error because my daughter never moved in nor ever saw the apartment. XXXX XXXX Received another resident who moved in that same apartment and paid the rent they are billing me for something to receive double funds which is fraudulent. When I inquired about this the girls at the front desk said it was to move out her things which she never moved in or to clean up the place and again she never moved in They were incompetent and unprofessional, threatening that this would be on our credit report. I want this removed from our report
Consumer complaint received 2023-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

XXXX was my server and Inputed my income base payment information. In to syetm wrong amd made my account 180 days late which posted to my credit.. I had to taken off credit because of information. was incorrect now with new server nelnet it's back on credit report and come to find out XXXX I have asked many times from nel if I could get this info and they will not give me hard copy or email of anything of my account... well fed never fixed my loan so now it says I wad late in 2018 which messes with my investment and my income repayment vecaue it restarts it is I didn't pay which I did becauw my payments then and still now are still XXXX.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-03
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. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Payfare International Inc. (CA)

They temporarily suspended my account and said call customer support to reactivate I have tried numerous times to get ahold of them every time I call I wait on the phone for XXXX then it just hangs up on me meanwhile Im stuck at a gas station unable to put fuel in my car
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

These are fraudulent hard inquiries on my report. I did not authorize all of these hard inquiries. Below is a list of the hard inquiries on Experian that I did not authorize, please delete these inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the listed inquiries that Ive listed that I didnt authorize. According to the Fair Credit Reporting Act I'm entitled to an accurate credit report.
Consumer complaint received 2020-01-16
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. (CT)

I checked my credit report and I have a collection account showing when I have perfect credit and pay everything on time and early most of the time. It seems to be a medical bill and I believe my information has been compromised or this is a flat out error on the credit bureaus behalf. Please help me remove this account { XXXX XXXX XXXX } off of my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX disputes division updated balances on three of my accounts to reflect I owe XXXX dollars on these three accounts, but when it comes to changing and updating my credit report to reflect I owe no dollars, XXXX still has not updated this area of my credit file. They are showing very high credit utilitzation on three accounts that have been paid approzimately on XX/XX/24. 

XXXX XXXX- {$26000.00} is still showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX {$3800.00} is showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX- {$10000.00} is showing as owed even though it's XXXX on account ending XXXX. 

XXXX 's failure to update my credit report and only update it on their disputes section of my file is severely hurting my XXXX XXXX and affecting my ability to purchase a new vehicle at a reasonable interest rate. I've disputed this with XXXX and the three companies over the past three weeks and all three companies claim they've sent the updated information to XXXX. I believe all three companies have sent the correct information because my XXXX file has been updated showing I don't owe this money anymore. XXXX file even shows I don't owe this money on their disputes page, but when you look at my credit report, it still shows I owe these amounts. XXXX is failing to update my credit report accurately.
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (WY)

on XX/XX/2023, I deposited a cashier 's check for {$110000.00} ( a XXXX XXXX XXXX  check ) into my account in person at Wells Fargo in XXXX, Wyoming. While waiting to deposit, the teller called XXXX XXXX XXXX  to verify funds. The funds were verified, and she told me my funds would be available at XXXX XXXX on XX/XX/2023. Today, they've put a hold on the cashier 's check due to " potential fraud from the sending bank. I called XXXX XXXX XXXX  and they verified the check was valid and verified the funds. Wells Fargo is still holding my money until XX/XX/XXXX. 
I think this is a fraudulent action by Wells Fargo as they've verified the funds and now aren't releasing my money into my account. Isn't the point of a cashier 's check to guarantee funds? And why would it take 10 days to re-verify and research that the check isn't fraudulent?
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.