davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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: Nelnet, Inc. (FL)

I have several inquiries on my credit report that should be removed because I do not recognize the creditors and I did not apply to receive a loan, credit card, or anything else with them. I recently have gotten an overload of spammy emails and phone calls about loans, winning cash prizes, etc. I also have reported with my credit card companies fraudulent charges on my accounts and have since gotten all new account and card numbers. 

On my XXXX credit report there are 3 inquiries that need to be removed : - XXXX XXXX XX/XX/XXXX ( have called them and keep getting put on hold - nothing resolved ) -XXXX  XXXX XX/XX/XXXX ( have not heard back, nothing resolved ) -XXXX XXXX XX/XX/XXXX ( I only applied for 1 car lease directly through the dealership... this is not the dealership. I have no idea what this is and it definitely was not authorized. ) On my XXXX credit report the following inquiries are fraudulent and should be removed : XXXX XXXX XXXX XX/XX/XXXX ( I have a vehicle I lease already. I definitely did not apply for an auto loan. This is fraudulent. Have not heard back from them. ) XXXX XXXX XX/XX/XXXX XXXX This is a used auto dealer. I leased a new XXXX. No idea what this is. Can't get ahold of them. ) Lastly, FM/FIRSTMARK SERVICES keeps charging me late payments on my student loans when I have an extension for several more months now, legally in accordance with a federal bill signed. I have explained this to them and have asked them to stop reporting the account late because it's illegal and I made it known that my account should reflect my promise to pay, and that the late payments are being unnecessarily and falsely reported. No response. They have terrible ratings on the XXXX for similar instances with other individuals. I would like a letter of deletion from them to the bureaus, but no luck so far.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX XXXX The car, a XXXX XXXX XXXX, was financed with XXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. XXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. XXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found XXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted XXXX and was told the check from XXXX XXXX XXXX XXXX stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX. XXXX XXXX provided me and XXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

XXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
Consumer complaint received 2023-09-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased Furniture from " Raymour and Flanigan '' store. Store offered me interest free with their financial tie up with TD Bank to provide this finance. This tie up not only simple payment for the furniture purchased, but opens the credit card account. 
Furniture sales guy said initially that this can be paid of in 36 months without penalty or interest and I agreed to it. However, when i went to back after two days for final purchase they opened account with one year term interest free. Since I verbally discussed for 36 months i simply signed on the documents. It seems they changed term from 36 to 12 months which i didn't notice when i signed the document. The signed document also doesn't mention the percentage of interest, rather it states that standard APR. I had no clue what the standard APR is and no one explained to me. 

I did setup automatic payment from my bank checking account to pay this TD Bank card as soon as i received my first payment and never defaulted on this. Loan amount is XXXX XXXXXXXX XXXX, this should pay in 36 months if paid monthly XXXX XXXXXXXX XXXX. TD Bank autopayment setup gives an option as Minimum amount ( XXXX XXXX XXXX ) and i simply selected that option and their website has to dig deeper to choose any other option, found this in recent conversation with their customer rep. 

I opened account on XX/XX/XXXX. However, TD Bank charged me interest of XXXX XXXX XXXX of interest on XXXX XXXX of purchase at the end of one year. TD Bank never sent me paper notification or email about my term 12 months is approaching to pay off entire balance amount or else interest will be charged. The only email has been coming to me is that " statement is available '' without any details like fee or interest or balance. 

I logged into TD bank online account on XX/XX/XXXX only ( after initial setup in XX/XX/XXXX ) to see verify the balance on this account, then i was surprised to see these silent interest charges thousands of dollars ( from XX/XX/XXXX ) and on going monthly charges XXXX XXXX XXXX. Till now they charged XXXX XXXX  of interest on XXXX XXXX  XXXX  of furniture purchase. This is a financial fraud and charging silently on the account without sending notification ( Call or Mail ) to customers. If it is an email, email body should clearly communicate the interest charges and warning ahead at least one month ahead of interest charges those will come into effect to the account. 

This is the biggest financial fraud i have ever encountered. I am very responsible citizen with Exceptional credit score, this fraud setup between Furniture and Bank is confusing customers without clear communication on APR, Warning on interest charges and no clear communication when charged account. 

Please help me to resolve, so that i can pay principal balance and close account.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I have attempted to contact Equifax credit dispute center several times in order to rectify the inaccurate information that is being reported on my credit. I have clarified in varies letters that the information reported is not my debt, yet no actions have been taken.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

SunTrust Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. 
Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from SunTrust Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. 
SunTrust provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, Truist Bank mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my XXXX credit report, SunTrust is showing a open balance amount of {$41000.00}. Since SunTrust merged with Truist Bank and the last document I received was from Truist I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at Truist at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that Truist reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my XXXX account with no resolution from Truist Bank.
Consumer complaint received 2022-04-13
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX  XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX  now.with no help
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (SC)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX 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 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.
Consumer complaint received 2022-04-16
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. (MI)

I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have credit card balance thats incorrect and credit cards thats was closed with no balance showing up with a balance. Information that was supposed to be removed still on there for get it now. Bankruptcy that was supposed to be removed still popping up. XXXX account that was removed now back on my credit report. Credit scores keep going down after Ive did credit repair and talked to consumer.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (IL)

-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2022-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (GA)

In XXXX or XXXX a company by the name of Dynamic recovery solutions add a collection account to my credit report. The amount of the collection is XXXX. I had no idea the debt existed and I have never received any communication from the original holder of the account or the collection agency prior to the hit on my credit report. Upon receiving the negative hit i reached out to the number that is listed on my credit report but i have yet to receive any communication from the debt collection agency. XXXX XXXX percent sure this debt is a result of fraud. A few years ago my information was stolen and as a result of that theft Ive suffered some identity theft as well. Just a little back ground information, someone bought a house in Texas in my name, bought three cars, maxed out XXXX credit card, and attended Dr offices in my name. Rectifying this issue has proven to be stressful and mind boggling. I have filed numerous police reports and filed a report with the FTC. Also, i have disputed this account as fraud several times
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES CREDIT UNION (UT)

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX in XXXX, Washington ( financed through a BECU loan ). I was under the impression that there was a 30-day grace period to switch my car insurance over from my old vehicle to my new vehicle. Despite this, I forgot to switch my insurance over. 


On XX/XX/XXXX, BECU sent me a letter stating that I need to provide proof of car insurance. 


On XX/XX/XXXX, I received the aforementioned letter in the mail. 


On XX/XX/XXXX, realizing my error, I contacted my car insurance company ( XXXX XXXX ) to switch over my car insurance from my old car to my new car. 


On XX/XX/XXXX, I received another letter from BECU stating that they will purchase lapse insurance on my behalf for {$700.00} for the period XX/XX/XXXX to XX/XX/XXXX and add this money to my loan balance. The letter states that I must provide evidence of coverage for this period or I would be charged {$700.00}. 


I asked my insurance company if it was possible to obtain coverage for this period, but they said it was not possible after the fact. 


On XX/XX/XXXX, I called BECU and spoke with XXXX and XXXX in the Loss Management Department at BECU about the {$700.00} charge. I was upset that I was charged so much money for 2 months of insurance. I asked that they provide me with a receipt showing why 2 months of insurance cost {$700.00}, when my insurance with XXXX XXXX cost around XXXX XXXX/month. XXXX told me that BECU would mail me the receipt. After waiting for many months, I never received this receipt. Please note that I have a secure locking mailbox, so it is not possible that the receipt was stolen.
Consumer complaint received 2022-02-13
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. (AR)

my name is XXXX XXXX i am writing to delete the following information off my file. the items I need deleted are listed in the report i am a victim of identity theft and did not make the charge i ask the items to be deleted to correct my credit report i reported the theft of my identity to the federal trade commission. please delete these these item as soon possible these negative remarks are holding me in attaining not only a mortgage but a car loan.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aspen National Financial, Inc. (CA)

We have attached the necessary documentation regarding this matter. 

We were involved in a contract dispute with XXXX XXXX and we were disputing any " debts '' owed to them. They illegally placed us into collections with Aspen. 

We sent a letter to Aspen alerting them that this " debt '' was under a legal dispute and under the Fair Debt Collections Practices Act it was illegal for them to report negatively on our credit. 

They have refused to remove the illegal derogatory marks on both mine and my husbands credit reports.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-02-13
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. (KY)

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( XXXX ) ( B ( XXXX ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Consumer complaint received 2022-02-12
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: Financial Data Systems (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-08-09
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX