davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX XXXXant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I have been trying since XXXX of XXXX to get my XXXX consolidation loan forgiveness/discharged declined and reversed for the purpose of reversing them to consolidate them with my non-discharged loans for total forgiveness under the IDR counts for XXXX. I have messaged and talked to the Department of Education, who says this is all on Nelnet and they have to do it. I requested to the Department of Ed to opt out of the forgiveness back in XX/XX/XXXX. I have made complaints with the Dept of Ed Ombudsman about Nelnet 's lacking customer service. I have spoken to several people in Nelnet 's Solutions Department, some of whom have said they have escalated to 'Leadership, ' but yet my issue is not resolved. I have sent a written and signed request on XX/XX/XXXX ( after being told to do so by a Nelnet agent ) to decline the current discharge of my XXXX consolidation loans so they may be consolidated with my XXXX consolidation loans and then obtain total forgiveness under IDR counts in XXXX. This is a time-sensitive matter, yet Nelnet is dragging their heels and not acting on something that I was told should be able to be done within a month. I have spoken with agents in the Solutions Department on 5 different occasions, 2 times in XXXX and the last 3 being with XXXX ( XX/XX/XXXX ) - who said she was sending this to Leadership and she would call me back in 3-5 days ( no call yet ), XXXX ( XX/XX/XXXX ) - who said he was putting in a code for reversal and he wasn't sure this could be done, even though all other agents and the Dept of Ed said it CAN be done, and lastly XXXX ( XX/XX/XXXX ) - whom I notified that I had uploaded my ombudsman complaint case details. Since Nelnet seems to respond to CFPB complaints quicker than anything else, I am making a complaint here. I NEED this discharge reversal completed in a TIMELY manner - like immediately, since it has already been more than a month since my written request. Then I NEED my consolidation application to consolidate the two consolidation loans ( from XXXX and from XXXX ) reactivated and processed beore XXXX.
Consumer complaint received 2021-12-03
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-11-05
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. (NY)

THE FOLLOWING ACCOUNTS ARE NOT MINE, MY IDENTITY WAS STOLEN AND CREDIT WAS EXTENDED WITHOUT ME KNOWING FRAUDULENT ACCOUNTS : XX/XX/XXXX -LIT -ACCT # XXXX - {$2400.00} XXXX -XXXX XXXX -ACCT XXXX XXXX - {$26000.00} XX/XX/XXXX -XXXX  XXXX XXXX -ACCT # XXXX - {$320.00} XX/XX/XXXX -XXXX   XXXX -ACCT # XXXX - {$930.00} XX/XX/XXXX -XXXX  -ACCT # XXXX - {$440.00} XX/XX/XXXX -XXXX -ACCT # XXXX - {$150.00} XX/XX/XXXX -XXXX XXXX  - {$5000.00} XX/XX/XXXX -XXXX   XXXX  XXXX - {$340.00} XX/XX/XXXX -XXXX XXXX XXXX - {$3200.00} XX/XX/XXXX XXXX XXXX - {$920.00} XX/XX/XXXX -XXXX  XXXX - {$870.00} XX/XX/XXXX -XXXX - {$7200.00} XX/XX/XXXX XXXX XXXX XXXX - {$13000.00}
Consumer complaint received 2018-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

We are a XXXX XXXX XXXX XXXX. Paypal has locked our account and we have submitted documents proving who we are. They are asking a ridiculous amount of information about the products we have for sale ( XXXX ) and request invoices. We have these in our inventory over the last 5 years in some cases and submitting the required information is next to impossible for us. Some of our inventory was by donation, we don't have invoice records for. 

At the current time they are withholding our funds from withdrawal. 

To the best of our knowledge Paypal did this without any consumer complaints against us.
Consumer complaint received 2023-04-06
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: Central Portfolio Control Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and Central Portfolio have violated my rights. 

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

15 USC 1681 section 604 A Section 2 : 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 and purpose.

I need these accounts removed from my credit report immediately and an updated copy of my credit report sent to my current address.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dealer Services keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MIDFIRST BANK (AZ)

I have been a victim of fraudulent activity on my account. I have made a Police Report with the XXXX County Sheriff 's department under XXXX, in which I described how someone used my debit card information and charged nearly {$310.00} cents from my account. I called the dispute deparment of Midfirst bank, and told them that someone used my card, and the dispute department closed my case saying that someone had the card and used it physically. Some of the charges are as follows XXXX XXXX  XXXX- XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX car wash XXXX XXXX- XXXX XXXX XXXX There was even a XXXXXXXX XXXX  charge on the account for nearly XXXX. 


The police officer who took the report indicated that my information could of been taken with a " skimmer ''. 

The dispute department at Midfirst have failed to even look into this as well.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was placed XXXX XXXX having no access to bank accounts and the bill to kohls was notified and sent to collection agency. Upon my Arrival to the states I now have poor credit and double the late feee of the card itself. And. Nobody will help resolve the issue I have no problem paying the XXXX $ cArd however serving our country and notifying them I should not be charged an extra XXXX $!!! With a derogatory remark on my credit.
Consumer complaint received 2023-04-06
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)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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 2018-03-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

OnXX/XX/XXXX, I logged into my WELLS FARGO Online portal to utalize the XXXX money transfer feature. I was trying to send {$580.00} from my WF savings account to myself via my telephone number as the recipient. This was the first time I had tried using this option to send money to myself. After completing the transfer I realized there was an issue because I did not receipt an alert on my phone number indicating that I have money received. I called WF immedietly to figure out what was going on. The money had left my instantly yet it had not come to my phone as an alert. I panicked as WF told me theyd have to open a case claim that could take 10 days. I kept calling them every few days and I was concerned and unsatidfied by their response. They claimed that the funds went to someone that had my phone number formerly registered to them yet the name on the transfer did not match. Then WF told me that Im basically XXXX  and that theres no way to retract the funds back and that Im left without any resolution of getting my money back. Im very irate at Wells Fargo and at their lack of due dilligence in trying to protect their customers funds. There should have been a third step in verifying the transfer. The manager whom I spoke to told me that this happens all the time with customers. That is extremely alarming and concerning given that telephone numbers are recycled all the time. I have had my number for approx. 5 years so I am completely still confused as to how this happened and the fact that I have been without this money for over a month now.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My td bank debit card was fraudulenetly used on tuesday for over 2000 dollars i called td bank as soon as it happened they said for me to dispute i have to wait for charges to post..today " ( thursday ) they posted i call td bank to dispute and ask for a credit.i am told i have to wait ten days for their investigation to end to get a credit..My card was used fraudulently now i got to sit in limbo for something that i didn't do.
Consumer complaint received 2018-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercedes Benz Financial Services (VA)

On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. 

My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.
Consumer complaint received 2018-02-20
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: Convergent Resources, Inc. (CA)

I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (FL)

CITIBANK REFUSES TO GIVE ME ACCESS TO MY OWN ACCOUNTS CREDIT DEBT CHECKING! THEY ALOWED THOUSANDS OF DOLLARS OF FRAUD OUT OF MY ACCOUNTS AND THEY TOOK MONIES OUT OF MY ACCT ON AN AUTO PAY WITHOUT MY AUTHORIZATION! WHEN ARE YOUGOING TO DO SOMETHING? THEY OWE ME THOUSANDS OF DOLLARS FROM FRAUDULENT CHARGES AND CHECKS THEY LET OUT OF MY ACCOUNTS THAT WERE NOT AUTHORIZED! THEY REFUSE TO PAY ME BACK! ITS MULTIPLE ACCOUNTS! DEBT, CREDIT, CHECKING ACCOUNTS, SOME ACCOUNTS ONLY XXXX XXXX AND SOME ACCOUNTS ARE JOINT WITH MY MOTHER XXXX XXXX
Consumer complaint received 2018-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XXXX  2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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)

There is a collection account on my credit report that is not an account of mine. The only account I've ever had with XXXX was paid in full, with documentation provided. Not only does this account/collection still appear on my credit report incorrectly, it's been updated to show a payment of {$270.00}, which I also never made. Experian has not updated/removed this account, and the debt holder refuses to acknowledge that this is an erroneous charge/account.