davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-11
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. (HI)

The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Transunion does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

My student loan servicer Nelnet has inaccurately reported a missed payment in the amount of {$45.00}, which could result in financial harm to me including impacting my interest repayments and credit score. For the time being, I have paid the inaccurate balance to avoid further issues, however this mistake must be addressed and resolved immediately upon receiving this complaint. 

Additionally, an amount due of {$130.00} for XX/XX/23 is currently being shown on my dashboard, which is an inaccurate figure. 

The accurate amount I should be paying each month is the following, which I have paid each month in full ( proof is attached to this complaint ) : {$390.00} Asking me to pay any other amount, and punishing me for failing to do so, is fraudulent and abusive. 

Since reaching out to Nelnet directly means a 2+ hour wait on the phone for customer service, I'm forced to pursue other avenues like submitting this complaint. 

This is the second complaint I've been forced to submit. I will be reaching out to my congressperson about the atrocious treatment Nelnet has subjected me to. It is unconscionable to treat people in this way. 

If necessary, I am also prepared to contact a lawyer if this issue is not resolved.
Consumer complaint received 2023-01-26
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that PRA has committed against me. 
XXXX XXXX  has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged PRA account ending in XXXX is immediately removed from my credit report. Should a PRA representative choose to deny this request, you hereby understand and agree that PRA is liable for the damages that have occurred due to any and all violations committed by PRA which shall be restored with monetary relief.
Consumer complaint received 2023-01-11
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. (PA)

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. 

XXXX. XXXX - XX/XX/20 XXXX This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with removal of this fraudulent account.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

Equifax has locked me out of myequifax site so am not able to monitor or dispute my credit report I do believe that Equifax has sent faulty scores to lenders and my result in my applications denials and higher interest rates. I have called Equifax over this matters like 5 or 6 times, and when am talking to a agent they act like they can not find me in there system, but hold up but you selling and reporting my information without my approval and now you can not find me or my credit report and my account on myequifax.com. This has been going on since XX/XX/2022 and nothing has been done
Consumer complaint received 2023-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington is falsely claiming that there is a promissory note attached to my loan # XXXX. At Exhibit A I have circled in red where it says, " Deferred balance {$16000.00} ''. {$16000.00} is the amount Carrington falsely claims I owe it via a promissory note. There is no mention of a promissory note in my Deed of Trust for my loan # XXXX. 

A while back Carrington told me in a letter I needed to sign some papers having to do with my loan # XXXX. I told Carrington I would not sign the papers. Carrington then told me that if I did not sign the papers, it would foreclose on me. 

Exhibit B is a letter dated XX/XX/2022. This is the letter I am talking about. By signing the paper I would have acknowledged that I had a {$16000.00} promissory note attached to my loan # XXXX. On XX/XX/2022 Carrington foreclosed on me without legal reason. I had to pay over {$6000.00} to get my foreclosure rescinded. Exhibit C is a copy of my recission order dated XX/XX/2022. Throughout all the above, Carrington has not yet showed me a legally signed {$16000.00} promissory note I have with it concerning my loan # XXXX.
Consumer complaint received 2023-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to bring to your attention the inaccuracies that are present on my consumer report regarding my student loan accounts. I have identified several discrepancies and I am requesting that they be corrected immediately. 

The first issue is with the account labeled U S DEPT OF ED/XXXX. According to my XXXX consumer report, this account was opened on XX/XX/XXXX. However, I can assure you that I was not in school at that time. My records indicate that my last enrollment in school was in XX/XX/XXXX. Therefore, this information is inaccurate and I request that it be corrected. 

The second issue is with the account labeled DEPT OF ED / XXXX. This account is well over 7 years old and I would like it to be removed/deleted from my consumer report.

Finally, the third issue is with the account labeled US DEPARTMENT OF EDU and how it is being reported by XXXX. XXXX is reporting that I have missed XXXX payments, which is giving me a 21 % payment history. This is completely inaccurate and is only being reported by XXXX and not the other bureaus. This inaccuracies is truly affecting my credit worthiness and is a clear violation of the FCRA 15 USC 1681a 3, 15 USC 1602p, 15 USC 1692j, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1681b, 15 USC 1681s-2 ( a ) ( 1 ) ( e ) ( ii ). 

I request that these inaccuracies be corrected immediately and that appropriate action be taken to ensure that they do not occur in the future. I would appreciate a response to this letter as soon as possible. 

Thank you for your attention to this matter.
Consumer complaint received 2022-12-16
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. (AZ)

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. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The United States Bankruptcy Courts do not release information to third parties nor are they data furnishers to credit reporting agencies. The inclusion of bankruptcy information obtained by fraudulent means is a violation additionally in accordance with ARS 39-121.03 a data aggregator who obtains public records for a commercial purposes must provide a statement setting forth the commercial purpose for which the public record will be used. It appears none of the credit reporting agencies or their aggregators filed this notice and thus failed to follow Arizona law in this matter.

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 2022-10-23
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. (TX)

XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXXXXXX XXXX-Transunion XXXX XXXX complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX, shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.
Consumer complaint received 2023-10-17
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I bought XXXX US Bank Visa Debit Gift Cards at my local grocery store. The amounts of each card were {$490.00}, {$450.00}, {$500.00}, {$500.00}, and {$500.00}. Since the purchase of these XXXX cards I was unable to make any purchases. I called the help number on the back of the cards many times to troubleshoot and each time the service representative stated they could not see any attempted transactions and had no explanation for why my cards would not work. They would confirm that the appropriate amount was still on each card each time I called. Eventually, it was evident that the cards would not work and that XXXX was unable to make them work. They offered to replace the XXXX cards through the mail. The service representative filed the appropriate paperwork to have replacement cards mailed to me. They stated that my original XXXX cards would be disabled at the time of this phone call and would not longer work. I was not offered any tracking number and their was no security on the XXXX replacement cards being mailed through the mail. Essentially, US Bank mailed me ~ {$2500.00} of cash through the mail with no security or tracking number. When the cards arrived I called the number to activate them and set a pin number. XXXX of the XXXX cards had the correct amount ( {$490.00} and {$450.00} ). However, the remaining XXXX cards had the wrong amounts ( {$50.00}, {$200.00}, and {$200.00} ). All three of these cards should have {$500.00} on them. I called the number on the back and was informed that the original cards ( which were not supposed to be active anymore ) had a charge to an unknown account in Washington ( I live in Colorado and have not traveled to Washington ). I was told I would have to file a transaction dispute for all three cards to get my money back. The service representative stated she would do this for me but that I would have to provide a written statement and photos of original receipts and of the original gift cards. She stated I could do this through the online website, through fax or through the mail. I informed the service representative that I was unable to log into the online website with my cards and she stated I would then need to fax the information to them. I asked if they had an email address to facilitate this or if they could help me log into my account. They stated they could not and that I would need to fax them. They also stated that the dispute would take up to 90 days to process. 

US Bank has defrauded me of {$1000.00} dollars in replacing my gift cards and has only offered me a 90 day dispute claim that can only be processed through fax. I would like an email address to help resolve this issue as fast as possible.
Consumer complaint received 2023-10-17
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 express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct the inaccuracies on my credit report. Specifically, I have encountered significant difficulties in resolving the issue of late open accounts and the removal of a late closed account from my credit history. 

Here is a summary of the unsuccessful attempts and the issues I am facing : I discovered that there were late open accounts listed on my credit report that inaccurately reflected my financial history. These accounts have been incorrectly reported, causing a negative impact on my credit score. 

Subsequently, I initiated disputes with your organization regarding the late open accounts by following the dispute resolution process outlined on your website. I submitted supporting documentation and requested that these inaccuracies be corrected. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these late open accounts. I provided additional evidence and communicated with your customer support, hoping to rectify this situation. 
In addition to the late open accounts, I have also encountered issues with a late closed account listed on my credit report. This account should have been reported as " closed on time, '' but it has inaccurately been marked as " late closed, '' which is affecting my creditworthiness. 
Despite my continuous efforts to correct these inaccuracies and provide evidence to support my claims, I have not received a satisfactory resolution from your organization. The late open accounts and the late closed account are adversely affecting my creditworthiness and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, including the removal of the late closed account and the rectification of the late open accounts to accurately reflect my financial history. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly undermines the integrity of my credit history and financial stability. It is crucial that you take this matter seriously and resolve it as soon as possible. I am asking for your help to correct or remove the following accounts : XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Balance Owed : {$130.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account.