davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Limit $ XXXXClosed Account XXXX  XXXX XXXX XXXX XX/XX/XXXX, {$400.00} _Closed Account XXXX XXXX Credit Card XXXX XX/XX/XXXX, {$5000.00} - Closed Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX  Card Opened XXXX {$1000.00} - Closed Account XXXX XXXX  Opened XXXX XXXX $ XXXX Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX XXXX  Opened XXXX XXXX {$520.00} XXXXClosed Account
Consumer complaint received 2022-06-13
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. (CA)

On XX/XX/2022, I reached out to the loss recovery department of XXXX XXXX in regard to negative information being reported to the credit reporting agencies. XXXX XXXX has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The XXXX XXXX representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. XXXX XXXX is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.
Consumer complaint received 2022-05-05
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

I have previously applied for a XXXX plan through the federal XXXX aid website. Nelnet never confirmed my payment plan with me. I received an email form Nelnet on XX/XX/XXXX indicating my payment was {$190.00} due XX/XX/XXXX. I then later checked the Nelnet portal and it appeared my payment was actually due XXXX, and that the amount due was now late and {$1100.00}. I paid this amount on XX/XX/XXXX, only after my credit took a massive hit of over XXXX points on XX/XX/XXXX, days before my payment was SUPPOSED to be due. I attempted to call Nelnet on XX/XX/XXXX, as I was unable to do so earlier due to my work schedule. I was never told a call wait time, and remained on hold for over XXXX minutes before my call was disconnected. I have not been able to speak with anyone from Nelnet. I have filed for an updated payment plan through the federal student aid website, and that has still not been updated with Nelnet. Nelnet dinged my credit severely before my payment was due based on my first notification, then changed the due date to earlier than expected with a higher payment without any update.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (OH)

I tried three times to fix this with this company. I had tried to dispute XXXXXXXX XXXX XXXX even through the credit bureaus. It comes back every single time as verified. I never received any information on how this could be verified as I have never had an account with indigo Credit card. I asked if they could please send me a signed application which showed that this was taken out. I never get anything. This has been on my credit report since 2019 and its not fair that they dont verify and can still keep the on my credit report. If they are collecting for Indigo MasterCard, they should have information. I was a victim of identity theft in 2019 and it may stem from this while I rented my home out. They were notified of this also.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SLM CORPORATION (NJ)

I performed a balance transfer and the check was mailed to Sallie Mae. my Sallie Mae credit card. XXXX. The bank recieved the fund but said it was sent to the wrong address. Then it took them more than 14 days to deposit the fund into the account to make my balance current. In the meantime I was charged a late fee along with interest on the account that I should not have. According to regulation cc once a financial institution receives a payment in the mail they are required to deposit it. Its not my fault as a consumer that they dont know how to perform there functions correctly and now are negatively impacting me financially. They are trying to say its my fault that it wasnt sent to the correct address but I did send it to them. I reached out to them and explained the situation they gave me the run around and sent it to a supervisor never spoke to the supervisor and they denied my claim to waive the interest and thats not right. They faulted in their responsibilities and are trying to have the liability be on me. I did everything correctly on my end. They are at fault and now Im being charged interest on interest that I shouldve never been charged. They are taking advantage of people and they should be fined.
Consumer complaint received 2024-12-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT CONCEPTS, INC. (OR)

When I spoke with XXXX XXXX - he didn't believe he had any obligation to send me the documents I was requesting and told me that they were public record and that I would be required to request them via public record. He did send an incomplete payment ledger, the original contract and the small claims money award. When I asked him for the judgement related to the money award- he said he wasn't required to send that information and asked me under what authority I was requesting that information.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (OH)

I am asking you delete/ correct these negative items as XX/XX/XXXX I asked for validation with no documentation of your investigation.According to section 611 of The Fair Credit Reporting Act, you were given 30 days to investigate and provide me proof of your investigation. Unfortunately you failed to do so.. As reporting inaccurate items are in violation to my consumer rights according to 15 USC 1681 a ) accuracy and fairness of Credit reporting. I hope we can resolve this matter amicably or I intend to file this matter to the Federal Trade Commission. Below are items I need validate with shown written proof of signed contracts with my signature and reports to the address above within 5 business days upon receiving. If this is not done in this manner, I am requesting you to delete these inaccurate reports on my credit report immediately. 

XXXX  XXXX Credit Card with account opened on XX/XX/XXXX and a balance of {$28.00}. .This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.. In addition, you are violating consumer law, 15 USC 1666 ( b ) ( a ) in respects to a billing error, a creditor may no treat a payment on a credit card plan as late for any purpose unless, a disclosure is sent 21 days prior to credit billing statement. I, the consumer did not receive this. So, I am requesting you delete the late payment off my credit report. 

XXXX Charge account with account opened on XX/XX/XXXX and a balance of {$0.00}. I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions. In addition, charge offs are cancelled debt are to reported as income. So, I am requesting you delete this charge off from my consumer report. 


XXXX XXXXXXXX XXXX Auto Loan with account opened on XX/XX/XXXX and a balance of XXXX 
This negative item is in violation of my consumer rights according to in 15 USC 1681 ( a ) ( 2 ), a consumer report does not include transactions.This account does not nor has not shown negative balance. I am requesting you delete the late payments from my consumer report.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on TransUnion, XXXX, and XXXX Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, TransUnion, XXXX, and XXXX have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

TransUnion, XXXX, XXXX all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2.

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and Data Furnisher stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

I have been sending letters since XX/XX/XXXX till XX/XX/XXXX Pursuant XXXX XXXX XXXX ( I ) I required EXPERIAN to send me description of the preceding of how the reinvestigation was processed. 
No response to the affidavit and non compliance to the XXXX listed in correspondence.
Consumer complaint received 2022-06-13
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. (FL)

I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my Rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-28
Product: Credit 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: SYNCHRONY FINANCIAL (IL)

My wallet was stolen and two credit cards were illegally used on XXXX XXXX XXXX 
One of the credit cards was the Paypal Cashback Master Card of {$700.00} at the XXXX XXXX XXXX XXXX XXXX ). I contacted PayPal to report my card was stolen and was used by the thief as soon as I got a purchase notification on my phone. I also told the representative that I filed the police report for theft and illegal/deceptive use of my credit cards. 

After issuing a new account number, I noticed that {$700.00} from XXXX on XX/XX/, was posted to my account. I called back Paypal on XX/XX/2XXXX asking why I saw {$700.00} posted on my account, when I would get a confirmation letter for this stolen credit card/fraud activity report, and if you need any police report number associated with this incident. 

However, the representative said, No, it's NOT needed. Then, all I heard was that I would receive a letter for this report in the mail, a temporary credit for {$700.00} would be credited back to my account soon, and it would be investigated by Paypalwhich can take up to days. 

As of today, XX/XX/, I have NOT received a letter of this incident being investigated. 
I DO NOT see a temporary credit of {$700.00} in my account. 

I also want to know how you will investigate this WITHOUT any police report number or other evidence/information I offered/am willing to provide. Since my entire wallet was stolen, all other banks and credit card companies requested the police report number and the police officer 's name, including the contact number from me, EXCPET PayPal. 

I WANT TO KNOW how you will investigate this {$700.00} charge at XXXX and how you will tell this card was used by a thief on that day without any information. 

PLEASE send me a confirmation email or letter regarding this illegal activity report and how it will be investigated. 

PLEASE issue a {$700.00} credit back to my credit card. 

Here I have attached three documents, Two police reports from the XXXX Police Department One pdf file of emails from XXXX Store Manager
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, 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. (SC)

THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00} ), XXXX XXXX - XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), CXXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (NY)

M & T bank located at XXXX XXXX XXXX, XXXX XXXX sent a letter on XX/XX/XXXX indicating that My checking account will be closed and that I should make all necessary steps to transfer all direct deposits and automatic withdrawals by XX/XX/2022. I reached out to bank and asked for a reason but the Vice President indicated that it was a business decision. The date on letter was marked XX/XX/XXXX but I did not receive letter until XXXX XXXX, 30 day notice marked at bottom of letter was not accommodated so I had 14 days to change all of my auto deposits and withdrawals -Went into bank and the representative indicated that I would have until XX/XX/XXXX extension but would not give me any official letter of proof of extension so I went to different branch after I explained that I was withdrawing all of my funds from ATM -Requested that account be closed but bank reached out to XXXX XXXX XXXX and I was told that there was a restriction put on my account. No additional information was given as to whether or not my Mortgage account would be closed.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, 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. (TX)

After reviewing my XXXX, XXXX and Equifax Credit Profiles, I noticed Inquiries I do not authorize nor recall granting written authorization ( s ). Please investigate to see if accounts : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EquiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.