davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (WI)

On XX/XX/XXXX  I spoke with a phone representative of Nelnet, who assured me I would receive paper statements in the mail, and that those statements would require a delivery time of 6-8 weeks. 

At that same time, I requested payment history from my previous servicer, Great Lakes. The response I got from the phone representative was that they " were waiting on that info from Great Lakes ''. 

After sending a follow-up email, I received an automated response about longer than usual wait times, but nothing concrete. 

It has now been over 8 weeks and I have not received any written correspondence from Nelnet, nor have I received any notification of an extended wait time. 

Additionally, on XX/XX/XXXX  I sat on the line for over an hour. The automated voice at XXXX told me wait times were 59 minutes. One hour later at XXXX, wait times were still 59 minutes. 

I suspect this servicer is intentionally under-hiring and under-serving so that interest can accrue before people can enter into repayment plans, receive all relevant documentation, or enter forbearance through other means. 

Don't worry, that didn't stop them from accepting my payment of {$11000.00} on XX/XX/. They made sure at least that part worked.
Consumer complaint received 2023-08-31
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. (OR)

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a complaint in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These people took my credit down XXXX points and claimed that I had a payment that was more than 30 days late which is a lie. I have proof and bank statements from my bank that I paid two times in XXXX and the account is fully paid off. I did a dispute and nothing changed! And Ill provide the proof of my bank statements under firefighters credit union. This happened beginning of XXXX
Consumer complaint received 2024-02-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (WA)

I applied for the SAVE plan at the end of XXXX. Nelnet has been processing the application since then. They have taken so long that I am now forced to make payments I wouldn't have to make under the SAVE plan, and I am being charged interest that I would not be charged under the SAVE plan. 

Nelnet failed to notify me via email or letter that they require a {$5.00} mandatory payment to switch my student loans from IDR to the SAVE plan. Nelnet has not communicated anything to me regarding the status of my application the entire time it has been processing.

I waited three hours on hold to talk to an agent today who just told me that they forgot to send the email and that he would request they send it to me. I need a special link in the email in order to pay the {$5.00} so I can be put on the SAVE plan. Nelnet will not accept this payment over the phone and there is no way to do it over their website. Consumers need the special link, which is in the email that they don't send out. So my bank account continues to be held hostage while they take weeks upon weeks to process my application, and then fail to notify me when they need something despite my online account telling me to " refer to the letter or email we sent you ''. There is no letter, there is no email. It was never sent. How am I supposed to respond to something that they never sent? 

The only way to contact Nelnet is via phone, because they do not respond to emails. If you want to talk to an agent, you have to wait three to four hours. People have to literally take time off of work and lose money just to talk to an agent about the accounts that Nelnet messed up in the first place.
Consumer complaint received 2024-02-07
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. (TX)

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal & non verbal per 15 USC 6805. I am now rescinding that authorization and that is effective immediately and indefinitely.

the account that will be referenced in this complaint is the following : XXXX XXXX XXXX XXXX - account number XXXX account balance {$36000.00} opened on XX/XX/XXXX XXXX XXXX XXXX XXXX - account number XXXX Account balance {$11000.00} opened on XX/XX/XXXX according to 15 U.S. Code 6805 Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows. 16 CFR Part 313 any reporting of transaction history is a direct violation of the privacy act of 1974 and is illegal.
Consumer complaint received 2021-10-05
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: GOLDMAN SACHS BANK USA (OR)

Apple Card through Goldman Sachs advertised as 0 % for 12 months. Got it for/with thousands of dollars in apple products. Then they immediately started charging interest. 

I complained and they said oh yeah you get no interest if you pay the balance every month. Duh. Thats the law. I fee completely scammed and would like to be part of a class action against apple.
Consumer complaint received 2024-02-07
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. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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 2024-02-07
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. (LA)

This account has been closed since XXXX and its passed the statue of limitatiions with that being a voilation itself. Not only have they been reporting this acct as open since XXXX but that it was closed in XXXX. This is very inaccurate and they also claim that the last activity happened on XX/XX/XXXX when this account has been closed since XXXX. They keep sending me letters each time I dispute this and everytime they send a letter they inform me that the updated the info. First of all they never update anything and now I see that they are showing the last activity being XX/XX/XXXX. all of this info is inaccurate and they do not do a proper investigation and it comes back as accurate. I have went round and round them and their incompetance to properly investigate and remove this acct is costing money because my interest rates are higher if I want to purchase a car because of this error. If this is not removed, I will be contacting an attorney to take the next steps in suing Transunion.
Consumer complaint received 2021-01-20
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. (IL)

XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It Might Concern : I might have signed into one, or all of your websites within the last 12 months for the sole purpose of obtaining a FREE copy of my credit report, FREE credit score, to add, lift or confirm that a FREE security freeze was added to my personal profile and to request that ALL incorrect, disputed items are SUPPRESSED from my profile. 
I was forced to use your online methods either because you failed to honor my requests over the telephone, in writing via U. S. Mail or Fax! I have also filed countless requests online with the CFPB website only to still be denied my consumer rights. 
I have since contacted an attorney who will be contacting each of you individually shortly! 
This letter is to confirm that each company listed in this letter should have a FREE UNLIMITED security freeze placed on my profile effective immediately. DO NOT ALLOW OR HONOR ANY FUTHER CREDIT APPLICATION REQUESTS WITHOUT MY CONSENT! 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO SAVE, STORE, SELL, SHARE, MARKET, SOLICIT or PROMOTE any of my personal information including a name, address, phone number, email address, employer, income, etc. 
This letter is to confirm that I am requesting to be OPTED OUT OF INFORMATION SHARING, MARKETING, BINDING ARBITRATION RESTRICATIONS, CLASS ACTION OR REPRESENTATIVE, INIATION ARBITRATION RESTRICTIONS, SUING YOU IN SMALLS CLAIMS COURT RESTRICTIONS, PROMOTIONAL OFFERS, INFORMATION STORING, LITIGATION RESTRICTIONS. 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO STORE, SAVE, SHARE, SELL or contact me via EMAIL OR PHONE NUMBER! ALL CORRESPONDENCE INCLUDING DISPUTES, CREDIT REPORTS, CREDIT SCORES, SECURITY FREEZES, SUPPRESSION, CHANGES, ETC SHOULD BE SENT THE ONE ADDRESS THAT I HAVE ON FILE! I DO NOT GIVE YOU PERMISSION TO CONTACT ME IN ANY OTHER MEITHOD! 
I have also NOT been able to access my credit reports via the Annual Credit Report website because XXXX requires an email and phone number to gain access. I do NOT have an email or phone number listed on my credit reports or profiles and do NOT wish to add one at this time! This restriction is considered discrimination because everyone does not have access to the internet or a cell phone. But should STILL be able to access their credit reports via online or telephone. 
I am requesting that each creditor listed on this letter, mail me a FULL, COMPLETE, PRINTED copy of my most recent credit and consumer report to the address that is listed at the top of this letter! Thank you so much for your immediate attention to these matters!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have a fraud alert from all three credit bureaus. Im not understanding how they are letting fraudulent inquiries repeatedly post in my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am responsible for this one and it should only be showing once. 
XXXX XXXX XXXX XXXX XXXX XXXX I am not utilizing any of these institutions and has never conducted any business with them.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I've been a loyal customer of this bank for more than 12 years, consistently making on-time payments. Despite applying for several credit cards, I've been repeatedly declined without any explanation. Even when I did acquire a credit card about a year ago, it was suddenly closed without prior notice. I'm left wondering if my XXXX heritage is a factor in these credit card application rejections.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK (CT)

On XX/XX/21 I opened a savings account with VIO Bank at 0.66 % APR. After I transferred {$350.00} from my XXXX XXXX XXXX  Checking account I received a notice from VIO Bank that they were closing my account for " Business Reasons. '' Since then I have been unable to access my money and I was told that I won't get my money retuned until ~XXXX. Additionally, VIO Bank said my money will not earn any interest. 

Is this legal ( they are holding my money interest free for over a month )? 

Please advise as to my alternatives. 

Ref : VIO Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2024-02-07
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. (DC)

In accordance with the Faith Credit Reporting. Everything has to be 100 % accurate in my report. The credit bureau stated that my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is inaccurate, among other things that has been highlighted and circled I have included. This is grounds for removal because it violates my rights.

Under 1561 U. S.C. Section 602 A. States I have the right to pricacy.

1561 U. S. C. Section 604 section 2 states a consumer reporting agency can not furnish my account without my written instructions.
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 — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (PA)

I am filing another complaint in response to my last complaint. I have tried and tried to have Nelnet assist me as the co-borrower and I have been told I have no rights to making decisions with the loan for YEARS. I do not have access to the online account and need it. I have requested a forbearance and have been told that I can not qualify without the primary borrower and now it is because they are commercial loans. I can not consolidate into a Direct Loan as suggested by Nelnet in a recent email sent to me because the loan is going into default. The primary borrower is now homeless and inpatient in a hospital as of Sunday XX/XX/XXXX. I am waiting for the loans to be separated which will not occur until late XX/XX/XXXX. I have been informed that other individuals in the same position as me in terms of commercially held loans have been granted an administrative forbearance for 12 months through the end of XXXX. The Ombudsman does have my case. I have applied for the split of the loans. I have continued to make my partial payment every single month for the duration of the loan and my credit is now damaged because my ex-husband failed to comply with the terms of the loan. I have no protection and for years all that Nelnet says is " Sorry ''. I can not reach a human being at Nelnet 's call center and have to wait until they contact me sporadically. Nelnet is negligent and I have been a victim of not only my ex-husband for years as well as the two student loan servicers in which I had to deal with. My rights were and continue to be violated. Nelnet has no issue now coming after me and admitted numerous times over the years that I would ultimately be held responsible despite my payment history and request for assistance. The Dept of Education and government should hold these lenders accountable like you, Nelnet. Poor and unethical business practices. I disputed my credit report after Nelnet reported the delinquency AND as a result Nelnet sent me a letter stating that I do not have an account with Nelnet. WHAT???!!!