davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

Before repayment started. I tested my payment method to ensure auto payment on Nelnet could continue uninterrupted. I was previously on Great lakes. 

Successfully added current checking account and made payments. 

When loans restarted nelnet charged the banking account that was linked to great lakes but not nelnet. Despite the account not bring linked to current account and auto debit being linked to new checking account. 

When i reached out to Nelnet via phone support after i requested that the call be escalated they eventually advised me the old checking account is no longer linked the Nelnet account which will update to state the payment was not captured and then i can submit the XX/XX/XXXX payment. As of XX/XX/XXXX the account has not updated. 

I decided to make the XX/XX/XXXX payment of {$260.00} early on XX/XX/XXXX to ensure the payment was processed successfully before the holiday. After the payment was processed Nelnet then updated the payment due for another payment of $ XXXX on XX/XX/XXXX. 

There is no reason why i should be double charged for XXXX. The double payment does not reflect the not actually charged XXXX payment which was for XXXX. I have tried emailing multiple times and will be connecting with law firms to explore all potential avenues. 

I want to be able to submit my payment as expected or early without having to worry about what XXXX occur. 

Standard billing practices used across most major companies in XXXX. 

I have to pay my bill yet there is no punishment or standard for Nelnet to even get the billing processed correctly. Which is literally their job.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (FL)

I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Discover Bank - {$280.00} - Balance Updated XX/XX/ - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like credit karma and even with experian and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/ Department Of Education - {$10000.00} - Balance Updated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a prompt resolution and the restoration of my financial stability and peace of mind.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION (IL)

Purepoint closed my online savings account on XX/XX/20 with no prior notification and without my permission. 

I received a phone call the prior week ( on XX/XX/20 ) from Purepoint asking me to call them back at their convenience. As I was traveling that week, I hadn't gotten the chance to call them back at the time of account closure. 

When I called Purepoint on XX/XX/20 to learn of the details of the account closure, they said my account was not in compliance with bank secrecy laws because they needed more information about the joint holder of the account ( my wife ). Purepoint says that they had reached out to my wife for further information ( emails and letters ) but she has no record of receiving either form of communication. 

As I see it, Purepoint gave us one week to call them back, which we didn't do in a timely manner, and promptly closed the account without further thought of ramifications.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I noticed I had a charge on my card to a company called XXXX. I have never heard of this company and I was charged {$29.00} once in XXXX and again XX/XX/15 at XXXX am. I also have another unauthorized charge for {$26.00} at " XXXX XXXX XXXX XXXX XXXX XXXX ''. When I typed in this address it was for a XXXX pharmacy in XXXX, I live in XXXX  and I have never even been to XXXX. I am unsure if both of these charges are the same person, but I think it may be safe to assume that it is. When I went to call this location, the call went straight to voicemail. 

When I called the XXXX company I was able to connect with someone who helped me tremendously. He found my card that was charged and provided me the email that was used along with my card information to make the account. The email is not one that I recognize and neither was the name that was provided on the account. He refunded the {$29.00} charge for XX/XX/15 as this was the only one he could refund which I appreciate tremendously. He also canceled the account that was made with my card information and took my email so that he could forward me the cancellation which had the information used to make this account. 

The information is below ; Name : XXXX XXXX Email : XXXX Phone : XXXX I know these things are usually hard to track down but I want to report it because this could have been horrible for me. I make a little over XXXX a year so I do not have the funds to fund a scammer. I woke up with {$1.00} in my account and I am lucky that I was able to get something back. 

I also took a look at the reviews for the XXXX pharmacy and everyone is commenting about money being stolen from them. This would be a good place to check and see what is going on. 

I appreciate all of your time and help and I hope whoever is reading this has a wonderful day today, thank you for all that you do! 

XXXX
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank has held my US {$5000.00} money for XXXX weeks. This was sent as a wire regrettably due to a single digit error I had entered in the receiving person 's account. 
The routing number as well as XXXX XXXX 's name and address were properly entered on the XX/XX/XXXX wire. 
I contacted my bank ( XXXX ) the following day ( XX/XX/XXXX ) when XXXX XXXX did not receive the wire. XXXX indicated my account entry error was noticed by Chase Bank ( XXXX ) and that the money would be returned. Last week, XXXX put in a formal request for me. From my call to XXXX today I am at the whim of Chase Bank. 
The reference number for the XX/XX/XXXX wire is XXXX. I called Chase Bank XXXX today XXXX pm XXXX XXXX. Chase Bank 's Representative " XXXX '' told me that since I do not have an account, Chase Bank will not help me. XXXX XXXX and I have lost the time-value of this money. 
This certainly was my mistake, but XXXX weeks over a single digit being a XXXX instead of a XXXX with the account 's correct name and address? This doesn't help with money velocity either. I do not have a Chase account. The person receiving the wire has the account
Consumer complaint received 2023-11-15
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)

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Consumer complaint received 2023-11-16
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. (NY)

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE BEEN DENIED FOR A JOB BECAUSE OF INCORRECT INFORMATION ON MY CREDIT REPORT. I am not able to reach Transunion over the phone and not allowed to access my report online.I have disputed judgments that have been vacated, and I have documentation for a car loan that was dismissed in court. I want these items removed from my credit report immediately.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NY)

I am writing to seek clarification and verification regarding the reported late payment associated with my DISCOVERBANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-05
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. (AZ)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX XXXX, IL XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this account with certified USPS letters over 4 times. Nothing has been done on the investigation and the account continues to be reported wrongly. This account is unverified as it was paid off on time with no payments ever late. Promptly DELETE all information which can not be verified.
Consumer complaint received 2021-01-19
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: Atlanticus Services Corporation (PA)

Aspire Credit Card has committed an act of financial discrimination by not accommodating me under regulation e for a dispute filed XX/XX/2020. XXXX Credit Card has not fully disclose my terms and conditions they have charged me fees not within my terms and conditions they are in violation of Regulation Z also. I spoke with a customer representative name XXXX she was very discriminatory and didn't help whatsoever she hung up on me on. I have also found a Dodd-Frank violation complaint against customer service rep XXXX who I spoke with today at XXXX Eastern Standard Time.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-10-24
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: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY
Consumer complaint received 2021-01-19
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capitol one to ld me on Saturday  XXXX  at around  XXXX  eastern standard time they were going to update with the credit breaus early because need to be done for a mortgage approval and they did n't
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have inaccurate information on my credit report that does not belong to me. I contacted the bureaus to let them know, but nothing was removed from my credit report. Someone stole my Social Security card and driver 's license, and I have been opening accounts in my name without my permission. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (IN)

I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.