davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.
Consumer complaint received 2022-07-28
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. (MI)

I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NE)

I am a XXXX  who is licensed XXXX XXXX ( In XXXX, XXXX, and XXXX  ) and at the end of last year ( XX/XX/2020 ) I applied for XXXX  Loan Forgiveness through the Federal program. I should potentially qualify as a Secondary Science XXXX  according to the program and it is for up to {$17000.00}. One of my loan servicers ( XXXX  ) granted the forgiveness that I applied for but the other ( Nelnet based out of Nebraska ) denied my claim on the basis that they don't consider me as a XXXX XXXX  based on Nebraska legislation. I contacted the Nebraska Ombudsman and they also recommended that I continue to pursue it because of the confusing language that is used in regards to Nebraska legislation. 

The Teacher Loan Forgiveness Program States that " Secondary School '' is a public or nonprofit private school that provides secondary education as determined by state law or, if the school is not in a state, by the Department. 

Nelnet is referring to, Neb. Rev. Stat. 79-101 ( 5 ) indicates that " elementary grades means grades kindergarten through eight, inclusive. '' Neb. Rev. Stat. 79-101 ( 6 ) indicates that " high school grades means all grades above the eighth grade. '' The Nebraska Revised Statues do not directly define " secondary school. '' but it refers to " high school ''. From the Neb. Dept. of Education Rule 10 from Title 92, Nebraska Administrative Code, Chapter 10 " secondary grades '' is defined as " means those grades designated by the school system as secondary, but not to include any below grade XXXX ''. 

I was hired with the requirement of a XXXX XXXX XXXX certificate because my school is accredited with as a secondary school and they have to follow the guidelines of hiring teachers with a XXXX certificate to remain in compliance. 
I contacted Nelnet individually on the dates that are specified on the Nelnet contact document and with a SAVI representative on XX/XX/2020 but we haven't received any other help from Nelnet on how to proceed because they just say the Guarantor doesn't deem it as a qualifying case since they consider me an XXXX XXXX based on Nebraska legislation ( worth {$5000.00} ). My XXXX  approval was worth {$7600.00} so it was above the {$5000.00} for an XXXX XXXX because they deemed my case as a qualifying XXXX XXXX. 
I should also note that one of my years of service was with a XXXX XXXX in XXXX which may be used to argue that my particular situation could also fall under review by either state or should potentially default to the federal definition of what is considered a XXXX XXXX.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MT)

I opened a Citibank Citigold checking account on XX/XX/XXXX and deposited XXXX in the account, all via XXXX in the following dates : XX/XX/XXXX, XXXX transferred from my XXXX XXXX XXXXXXXX checking account XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX XX/XX/XXXX, XXXX transferred from XXXX A letter from Citibank dated XX/XX/XXXX, that the account is restricted from all activities and will be closed within 60 days. We tried to call and find out whats this about, was told fund was transferred from an account I do not own, which is not true. I offered to provide proof where I do own the accounts funds were transferred from, was told I can stop by a branch to submit that. We live in XXXX, the closest Citibank is close to XXXX miles away. we did later reach out to a branch in XXXX, offered to submit proof there when my wife would be there for a business trip, was told they do not take these documents and when the back office closes an account, there is no need to submit anything In short, we tried to call, requested supervisor callback multiple times, no call back, emailed a branch representative, was told issue was escalated, the account balance is XXXX, but no info on where our XXXX is or whats their plan returning it. 

Can we please get some help?
Consumer complaint received 2022-12-18
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. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-15
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: Navient Solutions, LLC. (TX)

RE : DECLARATION of challenge checking for federally mandated REPORTING COMPLIANCE and REQUEST for CORRECTION ( S ) or DELETION ( S ) of INACCURATE or PHYSICALLY UNPROVEN or NOT COMPLIANT INFORMATION per FEDERAL AND MY STATE LAWS. 
To whom it might concern. 
Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : ALL navient accounts on my credit profile. 9 in total
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.
Consumer complaint received 2021-02-09
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: Aargon Agency, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (UT)

Loancare is reporting an erroneous late on my credit file and it must be removed. Back in XXXX I received a letter from Loancare that my mortgage was being transferred to XXXX to be serviced. I made XXXX payment with Loancare and they closed the account and were supposed to transfer all the account information to XXXX. On XX/XX/XXXX I got a call from XXXX that my mortgage payment was past due. I let them know that I had made the payment with Loancare but XXXX notified me that they had not received any of that information. To be safe, I ended up making XXXX payment again with XXXX and decided to pay XXXX payment as well to avoid any mistakes. I thought the account was taken care of and closed successfully. However, I recently checked my credit and noticed that Loancare is reporting a late for the month of XXXX?! This account was closed and is being serviced by another company that they chose to do! Loancare has not been handling this well and even made me make XXXX payment again because of their incompetence.
Consumer complaint received 2021-02-09
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: LEXISNEXIS (NY)

XXXX sent a letter dated XX/XX/2021, it states that the results of your investigation of Public Record Information was verified as accurate by LexisNexis, however LexisNexis has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that LexisNexis verified this as " accurate '' according to the investigation letter from LexisNexis has evidenced the contrary. Therefore I have requested for XXXX to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, XXXX uses LexisNexis to verify the bankrupcty, LexisNexis says to me it has been removed because unable to verify, I inform XXXX of such in a dispute to XXXX  and XXXX is defiant in removing it because they allege LexisNexis verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if XXXX is stating that Lexis Nexis verified the bankruptcy as accurate so then why did LEXISNEXIS SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that XXXX obtain my records and or documentation from LexisNexis proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here XXXX has failed to do so. LexisNexis is reporting one story to me and or another story to XXXX. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from LexisNexis stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

In XX/XX/2017 we had fraud charges on our credit card, we quickly contacted them and they flagged over 5 charges to be resolved. At that time we had an available credit of about {$3.00} and the card was not over the limit. Every month we have an auto payment of {$150.00} which is well over the minimum payment. In XXXX the card was still in the negative over {$400.00}, so we called to see why the charges werent resolved yet. They told us not to worry and that it would be a few more weeks before the charges would be removed. They said it was paperwork on their end and waiting for the fraud department to clear them. So we waited weeks and our minimum payment went to {$980.00} and our available credit was - {$520.00}. When we called on XX/XX/XXXX at XXXX we spoke with a customer service rep who could not help us at all and we could barely understand him. So we requested a XXXX who could actually help us. We were transferred to XXXX XXXX who said she was a XXXX, she basically said unless you can prove fraud charges theres nothing we can do and told us she was disconnecting the call?! I tried going through our statements and looking for the fraud charges but they werent on our account anymore. So I asked XXXX XXXX where the - {$520.00} in the negative came from because the charges on our statement doesnt equal {$520.00}?! SHE COULDNT ANSWER MY QUESTION!!!!!!!!!!!! Listen to the recorded phone call ... ... ..How can a company have an account that they cant describe the charges?! She acted like it was my fault it was on there. So I kept asking about what the charges were and she just said if theres no fraud I cant remove any charges. I concluded that these must be their FEES so I asked why they cant remove fees?! These FEES only occurred because we had fraudulent charges on our account!!!!!!! There is no way I couldnt taken the card {$520.00} in the negative so its obviously the FEES they are trying to charge me. My account was in good standing before the fraud charges, now they want me to pay {$1000.00} for my minimum payment. Such a slap in the face because we were the victims in this in the first place, now they are trying to charge late payments and over the balance fees that happened because of fraud. So are they trying to create fraud on accounts just so they can charge these FEES just to get over on people?! I mean XXXX XXXX talked to me like I was lying about the fraud charges because she said theres no report of any more?! She didnt know about the charges o she cant help?! Is this a matter of opinion here?! Is there any communication?! XXXX DOES NOT CARE ABOUT THEIR CUSTOMERS AND WILL ONLY TRY TO STEAL YOUR MONEY WITH BOGUS FEES THEY STILL CANT TELL ME WHAT THESE FEES ARE FROM!!!!!!!!!!! HOW IS YOUR XXXX GOING TO TELL ME THERES NOTHING WE CAN DO?! 
XXXX IS JUST A BIG SCAM!!!!!!!!!!
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (PA)

I have written several disputes to this company and they have not responded AT ALL! They have willfully violated my rights by intruding onto my credit file without any prior notification or stated reasons. I have disputed the account, and they have not responded to me! This violates the FCRA and FDCPA in so many ways it hurts! PLEASE HELP ME!
Consumer complaint received 2022-09-29
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. (DE)

It was brought to my attention that my Ex Fianc is currently dating an Experian credit repair employee by the name of XXXX XXXX of XXXX XXXXShes informed me that she used the database to inquire my address along with all of my most important information.Im scared that my identity is compromised, Ive reached out to the company but didnt receive any word back.Ive been trying to see how I can go about making sure my information doesnt fall into the wrong hands.Please help me
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (KS)

I do not work for XXXX XXXX anymore this information should be removed from my credit report immediately! I work at XXXX XXXX in XXXX, Kansas now! I do not work for XXXX XXXX anymore!!!
Consumer complaint received 2021-02-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC (CA)

Please refer to a previous XXXX XXXX, As of XX/XX/21 XXXX is threatening to sue me for an auto debt. I was deceived by using XXXX buying a used car with lots of miles. They deceived me by thinking I purchased Gap Insurance instead they sold me something else. Why would I purchased it if they car had lots of miles in excess of XXXX. It was in a car accident and paid off thru XXXX and the difference is what they are going after. Multiple times I tried working out a payment plan but they dont work with non profit credit organizations. They continued calling me and my employer took my phone away bc it was for business purposes. I am currently laid off so this intent to sue keeps me up at night. Its not a joke but my lively hood. I hope they would understand where I'm coming from. They have attempted to contact my previous employer so they are not happy about that. This worries me so much since I am trying to get my job back and this does not help my getting rehired. I can pay XXXX dollars a month, please take in mind it was never my intention to incur this debt with them. They are ferocious when it comes to collecting.