davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$520.00} XXXX  XXXX : XXXX -- -> : {$440.00} XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00} XXXX XXXX  : XXXX -- > {$700.00}
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (VA)

My husband ( XXXX XXXX ) and I ( XXXX XXXX ) opened a Navy Federal More Rewards XXXX XXXX  XX/XX/2022 it had been set up by us for reoccurring statements. The bill was paid automatically every month without any late or incomplete statements. Every bill was paid in full each month. The bill due on XX/XX/XXXX was not paid. The bill was for {$460.00}. I called Navy Federal on XX/XX/2022 at XXXX ( when I was first notified that the bill had not been paid ) to inquire as to what the issue was " the system did not make the transfer ''. XXXX our representative called the " Advanced Team '' to find out more, and I was told " they would research it. '' And that was all that wound happen. If I wanted to speak with anyone else about it, I would need to email a complaint to a complaints email. I then spoke with XXXX XXXX who stated that more research would have to be done on why this occurred. Because our checking and savings are Navy Federal, when logging into Navy Federal to have access to our money, all that shows is " your account is delinquent '' in huge red letters and a huge " Pay now '' button with no other way to access my account. There was also no option view the statement and I was told by XXXX " I will mail it to you. '' I feel that my money is being held hostage and I am concerned about how this late payment will impact my credit score, I am concerned that Navy Federal does not notify customers of late payments prior to logging in ( no email was sent, no call was made, no letter was sent, I even went to the bank on Friday and the teller did not let me know ). I am concerned that I can not access my money. I am concerned that I was asked to {$460.00} without being given access to any documentation or reason why this was unpaid, and without being shown a statement. The attached image is what shows up upon logging in to Navy Federal, instead of our accounts page.
Consumer complaint received 2022-03-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I never opened an account with this creditor. Nor have they supplied me with proof that i opened the loan. i've sent them an FTC and police report and both have been rejected, why? i have no idea. i sent everything i was supposed to submit still no answer. 
The account opened was opened due to identity theft. I've also sent the company a FTC report along with a police report but they still have yet to block the information off of my credit file and report.Now i have filed a federal complaint and this account is now in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MD)

Thank you and bless you so much. The indigo G/F credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reported that my indigo card is XXXX percent ratio usege.according to what I have up on the monitoring wall my balances should not be XXXX percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to XXXX my score dropped XXXX points. I believe that I could have been wrongly singled out and that my good credit worthy trust by indigo was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.
Consumer complaint received 2022-03-14
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)

XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Consumer complaint received 2022-03-14
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. (TX)

XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX shows a balance of {$7400.00} ( Account opened XXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Consumer complaint received 2023-06-25
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: TD BANK US HOLDING COMPANY (NJ)

I have serious concerns that TD Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for almost 2 months now. 

Please see detailed documentation of my complaint, attached.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

I have applied for a XXXX credit card back in XXXX an I havent received my card in the mail as of yet XX/XX/XXXX, I have called numerous times trying to get help they say they will do a dispute for fraud and they havent done so its hard to speak with someone then I do they have to mail me out a letter to verify its me because I dont no my account number only the last four digits but they can call me to ask for a payment what a joke and I no for sure that this XXXX credit card comes already activated and it shouldnt like other credit cards out here now I called 7x and still not getting the help that I need I explained to them I havent made no purchases off this card I live in XXXX nj they have no proof I made these chargers or my Id this company is a fraud and I will like for my bill to be fix and closed Im not paying for no one chargers thats on this account and its a lot of bad reviews regarding this XXXX company ridiculous I shouldnt taken 7 calls to get my dispute in correctly..they supposed to mail me a new card with a new account number I still havent received that yet they dont have too because now I want this account closed!!!
Consumer complaint received 2022-10-10
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
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. (KY)

I have 5 accounts on my credit report that should be removed, they are outdated. I have sent several letters to the bureaus regarding this issue. I will attach the letters. They will not remove them from my credit reports, when it has been 7 years. 

There are also a few accounts reporting inaccurately that I would also like removed.
Consumer complaint received 2021-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KS)

On XX/XX/2021 I contacted Great Lakes Borrower services to get information on compassionate reconsideration for late payments on a previously defaulted XXXX XXXX # XXXX. I was instructed to mail in supporting documentation and did so. I sent corroborating documentation showing not only was I on XXXX XXXX XXXX from work during the timeframe of the delinquency but I was also XXXX and without a working phone. This was shown in email correspondence with case workers from XXXX XXXX XXXX XXXX that they received a message that my phone was out of service when they tried reaching me. Great Lakes Borrower services agents told me that notification was mailed to my address that my loans were in danger of being transferred to collections but od be evicted from my apartment and therefore could not have received that notification. During the time I was XXXX I did contact Great Lakes Borrower services to try and apply for payment relief but was told there were forms that needed to be submitted to prove my financial circumstances had changed but without a permanent address because of XXXX or working phone or valid identification this was impossible given that correspondence would need to be submitted either by fax or scanner or email none of which I could afford since these services are not available free of charge in the city where I live. After submitting these documents I was told that even though the documentation proves my financial circumstances would have qualified me for relief since they were not submitted prior to the loan default then no consideration would be given. I asked why that might be an was told that rule was at the discretion of the Department of Education. On XX/XX/2021 I contacted the Default Resolution Group on behalf of the US DEPARTMENT OF EDUCATION and was informed by a supervisor that no such policy exists and that sole discretion of compassionate reconsideration of late payments was completely up to the loan servicer. Im asking that my case for reconsideration be given based on the merits of the information I submitted and not a nonexistent policy supposedly put in place by the department of education. Ive attached all the documentation sent to Great Lakes Borrower services.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

I have been getting calls from the National Credit adjuster almost every day when my account was under collection. I paid off my collection back in XXXX of 2018 and was promised that my account will be updated on my credit report. However, they never closed the account and the account is still listed and open in the collection account. I have called so many time to try and have this problem resolved but was always transferred to the credit report team which are the team that is supposed to resolve the issue. Sadly, that team never answer the phone and always ask to leave a voicemail. I left so many voicemails but never got a callback. 
This an unfair and unethical business practice. I was being harassed with calls when I owed, and after I paid off, you did not do your part of closing and reporting the account properly. I kindly have been reaching out since 2018 to get this updated and never able to get a hold of someone in the credit report department.
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax and XXXX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish these accounts : 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 XXXXXXXX
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone transfer XXXX $ from my account to anther account I file a claim for it on Bank of America and they denied my claim its not my who transferred this amount I tried to explain that someone hacked my account but they denied my claim thats is not fair if they do their work right they will found that was a fraud.
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (WV)

On XX/XX/2022, I was notified by XXXX credit monitoring that there was a collection for {$2900.00} put on my credit report for XXXX XXXX in XXXX XXXX, NY, a location I have never been to, let alone. lived in.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I used to have a checking account with Capital One 360. I used this account to pay bills and for daily expenses. I also used it to send money to a few people using XXXX, people that turned out to be crooks and scammers without me knowing their true identity and intentions. I submitted Charge backs for these transfers using XXXX. 
In short order Capital One closed my account without giving me any explanation or notice in writing or otherwise. Not only they closed my account they also took over my money. There are refunds sent to this closed account that the bank did not even bother to inform me. The bank has taken over my funds at this point with no explanation. 
How is it possible that when I open an account KYC is performed on my identity etc. However XXXX allows all kinds of crooks and scammers on their network without doing due diligence? How can it be that a bank can take over your funds with no explanation in this day and age?
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MD)

Ive used Affrims lending services several times in the past and have successfully paid off the loans. Recently I went to her firm to purchase a reconditioned XXXX XXXX and keyboard. I used the vendor call XXXX XXXXXXXX. I was approved for the full amount and XXXX  XXXX did not deliver the complete products together in 1 package. I only received the XXXX XXXX but I did not receive the keyboard. XXXX XXXX investigated the problem with XXXX. XXXX claim that it was delivered. I was home on the date that they said it would be delivered because I was expecting it. When I got the email alert I open the door and there was no product. I reached out to the company to let them know did I did not receive it. They opened an investigation with XXXX, however XXXX claim that the package was delivered. We have had several problems with XXXX in the past of claiming they have deliver products in my area, we do not have a high crime area and no problems with theft or stealing packages. The neighbors here are proactive with looking out for each other. 
I took pictures and return the XXXX XXXX because I did not want to deal with this vendor XXXX XXXX. I have receipts showing that it was returned I submitted it to Affirm however I just received a email from Affirms resolution department saying that I am still responsible for the loan. Which is totally absurd. I responded back and sent the confirmation to affirm that XXXX  XXXX received the XXXX XXXX. I do not want Affrim to try to destroy my credit by placing derogatory information on my account failure to pay or delinquent At this point, Affrim is claiming delinquent in a payment. Please respond as soon as possible with this dispute. 
Thank you for you speedy time and attention in addressing this matter. 

XXXX XXXX : XXXX XXXX XXXX UT Phone : XXXX Email : XXXX Corporate Office : XXXX Florida Phone number : XXXX Email : XXXX XXXX
Consumer complaint received 2022-02-08
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: Early Warning Services, LLC (CA)

I had an account with XXXX  XXXX XXXX checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud.

I received detailed consumer report from Early Warning Systems today XX/XX/XXXX wherein I came to know the reason for my previous account closure with XXXX  XXXX XXXX, as of this negative reporting XXXXXXXX XXXX put a temporary hold on my account and initiated account closure. 

I called Risk department of XXXX  XXXX XXXX at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the Early warning report states all the ACH transactions since my account opening with XXXX  XXXX XXXX. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.
Consumer complaint received 2022-10-10
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I responded to an ad on XX/XX/XXXXfor an apartment rental in downtown XXXX XXXX for the month of XXXX. I checked the ad with the building website and all the pictures and descriptions matched the company website. I signed the lease and wired the money for {$3100.00}. When I went to pick up the keys there was no apartment. I talked the building manager and he told me that no such apartment was for rent in that building. I then tried to get my money back but no luck. I worked with my bank XXXX XXXX XXXX, chase bank and the XXXX XXXX police department Case # XXXX officer XXXX XXXX XXXX. 

I was told chase can not send the money back without a police judgement