davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (ID)

I have sent TransUnion multiple letters about the following accounts with no reply but a simple letter of what the dispute process is. Only account they have responded about is XXXX and that was just a bill. 

Dispute letters sent XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX PROF DEBT Balance {$5300.00}. This account is not mine and have address this to TransUnion with no reply. Also the date of last activity shows XX/XX/XXXX on TransUnion but on XXXX  it shows XX/XX/XXXX. 

XXXX XXXX Original Creditor : XXXX XXXX OF FL ) {$510.00}. On XX/XX/XXXX I sent a letter to TransUnion, XXXX  and XXXX  about XXXX XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but TransUnion which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to XXXX to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. On XX/XX/XXXX I put in a complaint where XXXX stated they have replied to me but did not attached any documents to the Complaint and then started to flood my mail box with new Validation notices. Which clearly shows they never sent anything prior and they are reporting the wrong date of first delinquency if the date shows one thing on the letter and another on my reports. 

XXXX ( XXXX ) {$4200.00} I do not recognize this account and have been disputing it and there has been no added notes of dispute since I started this dispute on XX/XX/XXXX. TransUnion has a date of last activity of XX/XX/XXXX and XXXX  has XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports.

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from Equifax, XXXX, and XXXX goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2020-08-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PREMIER HOME MORTGAGE, INC. (TX)

Applied for a usda home loan and the loan officer never got back to me with an answer wether I was approved or denied. I made several attempts to reach out to the company and no one responded. Company ran my credit and obtain all my personal documentation and its been a month since I applied.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the fair credit reporting act 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. These accounts are : XXXX XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX & Account number # XXXX XXXX. There are several complaints on these accounts and it needs to be addressed are not complete and accurate. One more thing 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.
Consumer complaint received 2024-02-15
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. (MO)

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. 

I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. 

I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. 

I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. 

Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-02
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: EQUIFAX, INC. (DC)

This is in response to mail that I received from Equifax. The results of their reinvestigation was that they need me to be more specific about the accounts I need them to delete. The name of these accounts are XXXX/Department of Education .
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (WA)

Chase Executive Office, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the Chase Credit Card. 


XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (IN)

I did not know that the XXXX XXXX XXXX that XXXX XXXXXXXX XXXX and Sallie Mae put me in was loans. I did not receive any paperwork for a year past entering the program. Once I receive the paperwork, I found they were XXXX XXXX XXXX not program. Had I known I would not have done them. For I had no income and still do not have an income. 
I withdrew from the school after I found that I was being frauded for money and they were never going to let me have a degree. 
Navient took over the loans from Sallie Mae. 
I filed bankruptcy and Navient would not work with Indiana court. Now, I still can not pay on the private student loans. Navient has placed them under a bad debt status and wrote them to collection agencies. Navient is still running a charge on their website to me. 
All my federal student loans at Navient and XXXX have been discharged with Borrower Defense Case Under Exhibit XXXX  of the XXXX XXXX XXXX XXXX I am left with the private loans that I have no money to pay.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX my MOTHER sent me XXXX through PayPal and wrote in a memo " this is a gift ''. I was to use that money to buy train tickets to visit, which I did. I then refunded XXXX to here that I didn't need. All the same day. Paypal decided it was a customer/sales thing and KEPT XXXX for a fee. It wasn't a sale and even after refunding almost half the money there was no credit to my account for the fee. I opened up a case but they then thought that my mother had opened the case. I opened the case against them for the XXXX and that caused a whole bunch more issues. But... I never got a penny of those gifted XXXX back.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 I send an online international wire transfer of {$5000.00} usd. The next day, XX/XX/XXXX, the recipients bank informed me that the money has arrived but can not be released to the recipient because the account number is incorrect ( 1 digit was incorrect ). I then called Wells Fargo to open a case and have the account number amended to the correct one. I was informed that the time frame for international wire transfer resolution is 5 business days. Due to holidays and weekends, XX/XX/XXXX should be the fifth business day. It is XX/XX/XXXX today and I have yet to have my case resolved or have anyone from their wire department reach out to me.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (MD)

I had a transaction that came in XXXX something dollars that i get every month, like clock work. i have rent to pay on the XXXX of this month, why are they messing with my account. 
I just called them again 2nd call got a not so nice agent, he was very nasty, i just want them to give me my balance, they can give it to me in cash or check, so that I can pay my rent, I would prefer cash. I can go to the pnc in my area, and pick it up. Apparently the 2nd agent is telling me they want to close the relationship with me, and thats fine, but, I would like my money. 
I would also like to know the reasom, for closing my account, this is at a surprise to me. They cant just take my money. I dont owe the bank any money and that should be lefted clear for them to give me my balance. The funniest thing is they just send me a new card, because i got a call saying that they saw suspicious activity in my account and it wasnt me so they sent me a new card just recently. So they are not making any sense, and all the people that i had signed up with PNC I will take them with me. 
They have been a nightmare with all their high fees. 
I thought i could rest easy knowing i had an account with PNC and people have been warning me since of their behavior. 
The outcome is I just want my balance and they can have their account and their relationship its fine Just give me my balance and the fact that the agent was yelling at me and i yelled back saying " THEY HAVE A RIGHT TO END THE RELATIONSHIP WITH ME " wow unprofessional!!! 
I'm very angry, I have rent to pay I received no letter from PNC No closing notice No nothing
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I called the customer service department at US Bank regarding a question I had on several transactions. Account # XXXX. I was told that they had no information, and it was indicated that US Bank was closing the account. When I asked why I was told that they had no information and that I needed to go to the branch where the account was opened and speak to the branch manager. I went to the branch where the account was opened ( XXXX  and XXXX in XXXX XXXX ) I was told that the decision had been made and US Bank was closing the account and there was nothing they could do about it. Again, I was given no reason why and was told that the bank XXXX send me a letter of explanation. When I expressed the fact that I had been a customer of XXXX XXXX ( US Bank bought XXXX XXXX ) and US BANK for over 15 years and that I had several accounts ( XXXX, XXXX XXXX etc ) that were paid automatically through my checking account and that closing my account would cause significant problems for my wife and I. 
Her response was basically tough and go to another bank and open an account. 
XXXX & XXXX XXXX -- my SS # XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OK)

Citibank and Home Depot were the original creditors the debt was then sold to XXXX who uses XXXX, XXXX XXXX XXXX to collect their debts. The documentation and validation of the debts provided are redacted and do not include that amount that the alleged debt was purchased for by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested that unredacted documentation and have not received it. Collection efforts have not stopped and XXXX, XXXX XXXX XXXX is attempting to strong arm me into paying the full amount of the alleged debt by not providing that information and by not discussing a potential settlement. They have also filed a small claims suit and have attempted to serve my XXXX  child ( under XXXX XXXX XXXX ) multiple times while I am at work causing distress for him. I am requesting all unredacted documents related to this alleged debt, all statements of payments on the account, all interest and late fees accrued, all unredacted documents related to the purchase and exchange of this debt from Citibank and Home Depot to XXXX and XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check in my account third party. My account was closed and my balance was XXXX after chase took what i owed from my deposit. They are now holding my funds and will not give them to me. Check was deposited on XX/XX/XXXX XXXX. The bank is holding XXXX of my money..
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (WA)

I have been charged for XXXXXXXX XXXX  products for the past XXXX months now. I have tried contacting XXXX customer support but I was unsuccessful because you need an account and you need to be logged into the account in question. 

I have disputed several of the transactions which resulted in a new debit card and denial of disputes. 

I am currently homeless living in a tent with no power and I have never owned an XXXX let alone purchased any XXXX products. These transactions have hurt me financially and I have had to spend all of my time disputing these charges instead of searching for housing. 

I have started off the new year negative XXXX and I am currently so broke I can't even afford to pay for my XXXX for an XXXX XXXX from a recent XXXX XXXX visit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm forced to walk everyday to survive during this brutally cold winter. 

I'm pleading with you to please reconsider your decisions based on my situation.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (UT)

I was scammed into making a money transfer to another bank account. I was told my account was frozen and I needed to transfer money to make the funds available while my accounts was cleared. After realizing what happened, I reached out to my bank and explained. They said there was nothing they could do, but to reach out to the federal trade commission. They said if the FTC reached out to them, they would have information but they were not able to stop, or return the transfer. After filing a claim with the FTC, they recommended talking to my bank, and if I had, to file a claim here if they did not help me.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

this is my second time dispute the account : XXXX XXXX # XXXX I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXXXXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

Please see Complaint ID XXXX I was being informed that due to accounting error by the loan servicer, I am being charged for interest that was not previously disclosed to me. To date, loan servicer refused to take any responsibility for their own accounting mistake and poor communication. 

I hereby request a detailed accounting of the time, amount, and reason the original account balance was calculated, a detailed report and explanation of the mistake that was made by the loan servicer, the corrective action performed, and the justification that the interest ( accrued while I am not aware ) should fell on me. 

The report made by the servicer is ambiguous and unacceptable. *Please see their response attached. * It reflects no history of payment, no table of principal and interest paid down, and does not justify their response. 

This is fraudulent behavior and I would like to invite additional investigation and government oversight into this company. I don't know how many others are being told the wrong information on their financial accounts and are paying for the servicer 's accounting errors.