davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I opened a Citi Access Account ( Checking ) XXXX in XX/XX/2023. My Initial Account Funding was completed via XXXX XXXX XXXX ( {$100.00} ). I enrolled in Online Banking access, which appeared fully functional, and began using the account as any Checking customer would expect. To confirm functionality, I successfully initiated External / XXXX Pull transfers from each of my existing banks : XXXX ( {$40.00} ), XXXX XXXX ( {$30.00} ), and XXXX XXXX  ( {$20.00} ). All XXXX of these transfers ( XXXX Debit, XXXXXXXX XXXX ) have completed, {$190.00} in total. That money now resides in a Citi Checking account which Citi has since restricted access to. I've spent hours on the phone with several agents and supervisors, who maintain that the phone number I provided ( ending in XXXX ) isn't " registered '' to me, and that I would need a landline for verification. I haven't owned a landline in my entire life, and no other business or bank has ever made such a request.. absurd. I have been lied to, hung up on, and shouted down by Citi employees, and I've barely begun any functional business relationship with them.. this is absolutely unacceptable and insane. I want my Checking account access unrestricted and restored. The account was working just fine when Citi decided to take {$190.00} with it... I want my access to my money back. I have proactively offered every form of verification I have multiple times, I'll make the same offer again here. Citi can not indefinitely freeze my Checking account and effectively keep my money, that constitutes theft. Let 's get this resolved and salvage some semblance of a working professional banking relationship? Thank You In Advance! -- XXXX
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX Info : We found that an adjustment to your credit reporting is not required based on our research of your account. 
Account Number : XXXX ) XXXX ( XXXX Dear XXXX, Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( XXXX ) referenced in your request requires no adjustment because : The Nelnet trade line will remain on your credit report for XXXX years from the date the loan was paid in full. 
Under the Fair Credit Reporting Act ( XXXX ), data providers are not required to investigate certain disputes received directly from consumers. For your future reference, examples of those instances include : A request that is submitted or prepared by a credit-repair organization on behalf of the consumer, including submission of a credit dispute on a form supplied to the consumer by a credit repair organization The consumer has not provided sufficient information to investigate A credit dispute that is substantially the same as a dispute previously submitted by the consumer and investigated by us Questions ? We're here for you. Visit Nelnet.com or call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) Monday Friday. 
Sincerely, Your Nelnet Customer Service Team fb.comThelnet @ Nelnet XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX It has recently come to my attention through researching and study that NELNET is still in Violation of the XXXX XXXXXXXX XXXX XXXXXXXX. In addition XXXX XXXX XXXX XXXX ( XXXX ) Assignment A borrower whose loan has been XXXX pursuant to this subsection shall be deemed to have assigned to the United States the right to a loan refund up to the amount XXXX against the institution and its affiliates and principals. 

( XXXX ) Reporting The Secretary shall report to consumer reporting agencies with respect to loans which have been XXXX pursuant to this subsection.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — Store credit 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: CLGF Holdco 1, LLC (FL)

I have made all payments to credit card and they say that I have not made the payments for XXXX and XXXX of 2022. As a result it keeps showing a balance which are the late charges. I have faxed proof of payments 3 times and I have mailed hard copies on 3 separate occasions ( one being domestic Return Receipt from USPS ) of the proof of payments from my bank showing that it was paid on time They told me that the first fax was not clear so I mailed them the clear copies and they fail to update my account. I am afraid that my credit score will lower because of their mishandling of my account. The last conversation that I had was with Account Manager XXXX in the beginning of XXXX and she assured me that she would call me back and I have yet to hear back from her. This has been ongoing since XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I evaluated my Experian Credit Report and noticed several inaccuraries related to reporting information. Specifically, XXXX XXXX is reporting several late payments that are not accurate. Below is a copy of transactions. 

XXXX XXXX XXXX XXXX Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Consumer complaint received 2024-03-06
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. (TX)

I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I attempted to conduct a XXXX transfer in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX XXXX XXXX ) checking account to my Bank of America ( BoA ) saving account. The money never arrived in my BoA savings account. 

I have called BoA and XXXX multiple times starting on about XX/XX/2022 in attempting to find out why the {$2000.00} was never received by BoA. I learned that there was an incorrect account number entered when the initial online XXXX transfer was attempted. In fact, there was a 2-digit error in the account number I entered, but the routing number was correct. 

When I provided BoA with the full account number ( including the correct routing number ) that I used to make the XXXX transfer, they informed me that no account number existed with the account number I entered ( via XXXX XXXX XXXX ). 

I submitted a claim to the third party XXXX vendor that XXXX uses on XX/XX/XXXX. I have contacted BoA multiple times and have been told : * They can not follow up to investigate this matter any further until they have a formal claim from XXXX. * BoA claims that they do not have an account for the account number to which the funds were sent. 

I am at a loss to understand why, if the account number I entered was incorrect, the {$2000.00} did not bounce back to XXXX. I also do not understand why BoA said that a claim by XXXX ( using their third party vendor ) has not yet been submitted. 

I believe that in fact, BoA has the {$2000.00} I attempted to transfer. They have it because it was indeed sent to the BoA tracking number. BoA has done virtually NOTHING to help me. They have my funds and have no interest in finding my funds in their system. I believe BoA has my money! This is legal theft! It should not be legal to keep someones money because of a typo. This is not a case where the money went to someone elses account. BoA has it!
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC.You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines up to {$1000.00}. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have been paying on these loans for 19 years. While working in a public high school. For many years my loans were with XXXX. They assured me I was on track for forgiveness. During this time I got divorced and filed for bankruptcy, unfortunately during my time in bankruptcy I could not access my XXXX information. You can see all of this information in prior complaints. I was careful not to make any late payments during the 5 years of bankruptcy, knowing this would make me ineligible for forgiveness. When I reached the 10 year mark, I contacted XXXX who then told me that I was on the wrong repayment plan and my loans were not consolidated. I would need to start the process over. I then learned that my loans had to be with Fed loan and so I consolidated them and got on the income contingent repayment plan. None of these things were brought to my attention during the many hours I spent on the phone about this matter. Based on the new rules enacted by the XXXX XXXX in XXXX 2021 I meet all of the requirements, yet my statement says only XXXX some payments qualify. The new guidelines should have corrected these issues. I moved my loans to Fedloan in XXXX of XXXX, consolidated them and got on the XXXXncome ContingenXXXX repayment plan. this should be equal to 34 qualifying payments just since then, I'm only getting credit for 26? I don't even understand where that number came from. It also says on my loan information that the college is XXXX. This is not accurate, I took graduate classes from XXXX XXXX  and paid for them in full my self.
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I paid off my shared pledge loan on XX/XX/28 for {$1500.00} ( XXXX is held for collateral. ) I called on XX/XX/28, and was told it takes 24 hrs to receive funds. Next Friday I call I am told 2- 3 bus days, placed on hold to see if funds can be released today. I call back again and the last rep tells me that I am not getting my collateral amount became I received deposits every time I made a payment .I asked for a copy of these deposits, because I only see payments.
Consumer complaint received 2022-10-10
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 2021-06-13
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: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION (AR)

I over draft my card XXXX $ and the next day I was in the hole XXXX $ for wrongful overdrafts Ive had with regions bank I was being charged DOUBLE THE AMOUNT
Consumer complaint received 2022-10-10
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)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: LEXISNEXIS (MI)

I wrote a letter to LexisNexis to have them remove my personal information from their service. They informed they would do so within 45 business days. When I check to see if my info was still listed 60 business days after their response, it was still listed.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-30
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: R & B Corporation of Virginia (VA)

According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. As far as I am aware, neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as well as CREDIT CONTROL CORP have no permissible purpose to access my consumer report
Consumer complaint received 2024-03-06
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. (GA)

Re : Demand to Delete and Remove Inaccurate Credit Information To Whom It May Concern at the CFPB : I am writing to file an official dispute and demand that inaccurate and unauthorized negative information be permanently deleted and removed from my credit reports with the major credit bureaus - XXXX, XXXX, and TransUnion. I have endured significant financial hardship and distress due to these wrongful credit listings that I have no knowledge of nor provided any form of consent for. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have federally protected consumer rights to privacy, accuracy, and the ability to withhold permission for information to be furnished to the credit bureaus. The erroneous accounts listed on my credit reports violate the following provisions of the FCRA : 15 USC 1681, Section 602 ( a ) establishes my right to privacy and to have only fully accurate, relevant information reported on my consumer credit reports. 

15 USC 1681s ( a ) ( 1 ) states that no person or entity shall furnish any information relating to a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

As I did not authorize or consent to the reporting of this inaccurate information : Account # : XXXX or XXXX Last Activity : XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX The status shows open on 2 bureaus but closed on the 3rd the furnishers and credit bureaus failed to maintain reasonable procedures as mandated by the FCRA. This represents a clear violation of my consumer rights that must be corrected. 

I have made attempts to resolve this matter directly with the credit bureaus by providing documentation and following their dispute processes. However, they have failed to permanently remove these erroneous and inaccurate items from my credit file as required by federal law. 

Therefore, I am escalating this issue to the Consumer Financial Protection Bureau to demand a full investigation and the permanent deletion and removal of all inaccurate negative information on my credit reports immediately. 

Enclosed is supporting documentation of the inaccuracies along with previous correspondence with the credit bureaus showing their violations. I reserve the right to pursue any and all further legal remedies available to me under the FCRA if this matter is not promptly and permanently resolved through correction of my credit reports. 

Thank you for your timely attention to this serious matter. I look forward to your investigation and the complete deletion and removal of all inaccurate items from my credit reports as mandated by law.
Consumer complaint received 2022-12-04
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. (TX)

In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX, Bank XXXX XXXX XXXX, and XXXX 's XXXX have violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.