davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Hello XXXX. I am reaching out again because DEPT OF ED/NELNET Netnet did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from Nelnet. Nelnet has incomplete accounts numbers -showing partial account numbers. Some are showing XXXX days back-to-back, while some say XXXX then back to XXXX back to XXXX the XXXX days late. I have requested under law fix this by removing this erroneous information. I am at my last rope. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true. 
XXXX impartial accounts and all three credit reports XXXX different amounts and dates on all three credit reports XXXX causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 
XXXX. When making the attempt to write DEPT OF ED/NELNET is showing XXXX different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

The Experian credit reporting agency will not release a security Freeze on my credit report. Despite repeated efforts, Experian has been unable to remove the security Freeze from my account. This is preventing me from refinancing my home and saving thousands of dollars. 

First of all, it is incredibly difficult to get a human agent on the phone when calling Experian 's customer support number. Once I finally found a path to speak to human agents, I explained my objective. On 3 separate occasions I spoke to customer service agents and each time they assured me that my credit report was no long under a security Freeze and that lenders would be able to see my perfect XXXX XXXX  score. The most recent calls were on XX/XX/20 and XX/XX/20. Each time I speak to a representative they say that the security Freeze has been removed from my bureau. However, when I apply for a loan to refinance my credit, each lender ( and I have contacted 3 separate lenders ) are unable to access my Experian credit score. The lenders tell me to go back to Experian to remove the Freeze and the cycle continues. 

I am being held XXXX to a broken system that I believe originates on Experian 's side of the equation. Please help me out.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to submit a complaint the following information XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX opened XX/XX/XXXX ). 

During XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to your company to request hardship payment options, I agreed to do a covid forbearance with your company. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and XXXX XXXX. 

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( XXXXU.S.C. XXXX ( a ) ( XXXX ) ( F ). ) This has been an ongoing concern. I have also reached out to XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately XXXX XXXX history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2024-02-09
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. (CA)

XXXX Credit Bureau is reporting XXXX negative accounts that do not belong to me this has been long reviewed as I was a victim of XXXX data breaches and identity theft and XXXX  card usage. I have sent all the necessary items for removal and they have now added the accounts bac again.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

Venmo has frozen my account for no reason, they refuse to give me my money back, I was contacted by an account specialist from Venmo who took all of my personal information and once he had it he started to ignore me. The account specialist named XXXX XXXX has tried to steal my identity, they are holding my money illegally. NMLS XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is furnishing incorrect information on my credit report. XXXX XXXX XXXX is alleging that I owe a debt to them in the total amount of {$330.00}. I do not nor have I ever owned any money to this company. Transunion claims to have investigated through its regular disputing process but did not validate nor verify this debt. If they had done so, they would know that I do not owe this company and have never held an account with XXXX XXXX.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (OR)

Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.
Consumer complaint received 2024-02-08
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. (PA)

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.

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 2018-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

Three years ago, in XX/XX/XXXX, I paid {$2000.00} and started having {$50.00} a month automatically withdrawn from my checking account for the balance. Even though I was paying {$50.00} a month only a dollar or two was credited to my account. When I asked why they had no answer. Unknown to me they stopped taking the money automatically in XX/XX/XXXX. I just learned this week I was turned over to collection even though I didn't get a phone call or letter about the auto withdraw stopping and now I'm supposed to pay {$4000.00} I don't have. I called yesterday and found out my account was only credited for {$1000.00} of the original {$2000.00} payment. I now owe more than I did in XX/XX/XXXX. despite paying {$3800.00}.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (MS)

I am attaching a detail of the events that lead to my complaint. 

In summary, My bank, Regions Bank, allowed a fraudulently endorsed check for {$3000.00} to be deducted from my account. 

Apparently, the bank of first deposit ,  XXXX  XXXX XXXX, allowed a fraudulently endorsed check to be deposited into an account even though the check was payable to another organization. 

There should be no time limit on correcting this fraud.
Consumer complaint received 2024-02-08
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)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Trans Union is a third party. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included XXXX  Privacy Policy which clearly states they DO NOT share with NON AFFILIATES Trans Union is a NON AFFILIATE.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

Citibank has reported to credit reporting agencies that the credit accounts with them were " charged off '' while cards were paid as agreed and Citibank refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

requested my credit report through XXXX XXXX XXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

A little less than a month ago, I signed up for a Best Buy Citibank Visa credit Card, and I was approved. This morning i tried to get a cash advance, so I called in. Citibank said it was perfectly fine, but i was declined twice ( which was their fault, i was given false information ). I then call back and they " activate '' cash advances which apprently were deactivated prior to this call. I was then able to get my advance. However, due to the repeated declines, citibank has deactivated my card. Here is where he problem comes in. I called in to reactivate it, and they refuse. They ask for my phone number, and i give it. They then tell me " that phone is not under your name, it can not be verified. '' That is completely false, this cell phone number is under my name and has been like that for 3 years. I live alone and only have a cell phone, so there is no other way for me to verify my account to their XXXX satisfaction. I need help because I live in florida and just went through hurricane XXXX and i am in dire need of this card, as i am low on cash because of the storm. This is completely their fault, as my card has been deactivated due to their careless employees feeding me false information. Furthermore, it is their fault that my number can not be verified as well because my phone is and always has been under my name, and I have no other phone to contact them with.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TN)

NCA Reported that I have not made my payment for this month. I have attached the bank statement. I have not been 30 days late and I need this information updated. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NM)

Shell credit card informs me that I have an unpaid charge from XXXX XXXX 2015 on XXXX XXXX of 2015. Talked to a XXXX in Tennessee at XXXX Mountain time on XXXX XXXX, told me that there was no record of this charge. I thought that it was a scam and put it aside for the time being. Received XXXX bill and had a charge on it for {$30.00} ( XXXX XXXX, 2015 ). Called Shell and asked that this charge be disputed and asked that they send me proof of this charge. Shell agreed. Tried to use card on the XXXX of XXXX and was denied. Called Shell the XXXX of XXXX and was told since I did not pay my bill on the XXXX of XXXX that card could not be used. Essentially denying me use of the card because of a charge that was, what I thought, in dispute.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report. 

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

my wallet was stolen and someone used my bank of america debit card on XX/XX/2020 to withdraw {$700.00}. I called Bank of America to dispute the transaction as fraud as I didn't authorize the transaction. After repeated attempts disputing the transaction with bank, they closed my account with a negative balance without an adequate investigation. 

I filed a police report regarding manner and provided it to bank.
Consumer complaint received 2020-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In regards to account number XXXX from XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.
Consumer complaint received 2024-02-08
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. (OH)

I recently checked my credit and notice accounts that are not mines. These accounts were : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results form identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.