davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with nelnet and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed Nelnet to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with Nelnet is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with Nelnet and is in good standing. I have called the US Department of Education and they tell me to call Nelnet. Nelnet tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My name is XXXX XXXX XXXX I have a XXXX name and someone ruined my sealed identity by hacking into my transunion and XXXX me about a XXXX name I never used and brainwashing everyone to think i have a XXXX XXXX that i dont i have to sue for damages and someone is threatening to steal my money and my property and force me to live with a family I disowned 17 years ago I'm never going to live with a family and im suing for hundreds of thousands of dollars in damages because my birth name in XXXX is not XXXX its XXXX XXXX XXXX and I'm supposed to have a sealed identity and now I'm a victim of fraud because my mom XXXX XXXX XXXX XXXX XXXX and no one will accept I dont have conditions as an adult and violates my civil rights stealing away my sealed identity and hacking into my credit report about conditions and a family I dont have I'm a victim of identity theft by strangers who hadass me with XXXX and dont understand I dont have any condition and I have a valid driver license strangers damage my car on purpose because they wont accept I dont want a relationship with a family and wont use a family name I never took XXXX and I'm never going to someone impersonated and lawyer and defrauded me by hacking into my phone and transunion I have a criminal record under my name XXXX XXXX XXXX my name cant legally be changed
Consumer complaint received 2024-10-15
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. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-10-08
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: Source Receivables Management LLC (CA)

I received an email from XXXX  ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX XXXX XXXX XXXX reports from " SOURCE RECEIVABLES MNG / Original creditor : XXXX, ACCT # XXXX '', which XXXX / XXXX has hired a second, third party collection company after this account was removed from the other third party collection company " XXXX  ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " XXXX  '', " Source Rec MNG '' or " XXXX ''. This is my final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA ( Fair Credit Reporting Act ) regarding your refusal to delete the FRAUDULENT account information from my consumer file. Your failure to REMOVE this account has hurt my ability to obtain credit.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently reviewed my consumer report and I noticed that there was one late payment on my account with XXXX XXXX  that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of this late payment being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has an inaccuracy that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX  for the month of XX/XX/year>XXXX  be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-08-24
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: WELLS FARGO & COMPANY (NV)

Wells Fargo Card Services response to CFPB complaint number XXXX did not address all of my issues. 

The account was charged-off in XX/XX/2019. The account is reporting the charge-off in XX/XX/2019 but also for twenty-one ( 21 ) consecutive months thereafter. An account is charged-off ONCE. It may not be charged-off monthly. Once charged-off, it should not show an active payment history. 

Wells Fargo Card Services is manipulating the payment history to intentionally damage my credit report.
Consumer complaint received 2020-05-05
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2020-10-08
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: Receivables Management Partners, LLC (FL)

Inaccurately reporting items that I have no proof of ownership to. Collection accounts that are inaccurately being reported on credit that is hurting my overall score. I was never shown proof of ownership of this collection debt nor do I have any knowledge of how it ended up on my credit report I would like the collection from RMP SRVC LLC deleted as I have never been provided proof of this bill. It was opened on XX/XX/2020 2020
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK (LA)

Our house sold and the loan was paid in full on XX/XX/2021. There was a positive balance in escrow. The company ( Hancock-Whitney Bank ) claims the check was mailed on XX/XX/2021. Despite Forwarding orders with USPS and frequent contact with the new buyer, the check was never received. On XX/XX/2021, the mailing address was updated to the new mailing address and a new check was requested. Multiple requests/contacts with the company resulted in a different date when the new check was mailed or would be mailed with each contact. This matter was escalated to Supervisors multiple times ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ). A local branch Vice President was also contacted to no avail. The projected date the new check would be mailed is being advanced 2 weeks with each contact - as of today it stands at XX/XX/2021. That is XXXX after closing of the loan. 

We requested multiple times for the check to be sent overnight at our cost but are being told that this is not possible. 

The Closing attorney informed us this is standard practice of this lender, and all of his customers have problems getting their escrow money back. He was unable to offer additional help. 

It is unacceptable that this is taking more than 90 days under the guise that the department is backed up. 

We believe the initial check was never sent as we received other mail from the same company in the same time frame without any problem. 

This company should be investigated for fraud related to their handling of escrow accounts.
Consumer complaint received 2020-05-05
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00} XXXXT XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (KS)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). XXXX XXXX, account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. I will be filing a complaint with the Consumer Financial Protections Bureau., ( 1. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. ( 2. ) Topic No. 431 Canceled Debt Is It Taxable or Not? After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C. The IRS considers charged off accounts as income and should not be reported
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had to payments deposited into my Bank of America mortgage escrow account. The amounts are as following : {$52000.00} and XXXX. Bank of America employees told me that since there is a credit/overage that I would receive the funds. I still haven't received the funds.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion was misleading on their credit monitoring services in that it charged monthly for a service I never used. Worst of all is that I could not cancel online and when I called XXXX XXXX to cancel, they still did not cancel and still can not cancel online. Finally got it canceled today and disputing all charges with my credit card company.
Consumer complaint received 2022-07-12
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$480.00}
Consumer complaint received 2020-05-05
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. (AZ)

I AM VICTIM OF AN IDENTITY THEFT, AND NUMEROUS TIMES I HAVE REACHED OUT TO TRANS UNION TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.I DON ; T HAVE ANY INFORMATION ON THE FRAUDULENT ACCOUNT ACCEPT THAT ITS REPORTING ON MY CREDIT REPORT. I HAVE NO IDEA WHO MIGHT HAVE OPENED THIS FRAUDULENT ACCOUNT, OR HOW THEY GOT ALL MY INFORMATION. SOMEONE STOLE MY PERSONAL INFORMATION AND PRETENDED TO BE. THE CHARGES AND THE ACCOUNT IS FRAUDULENT.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I added my name to my wife 's first citizens Bank checking account. This account had some line of credit associated with the account. I did not sign up for this, nor was I notified that there was an associated balance. I received no bill or notice ( nor that I signed up for a line of credit ). I found out about a balance when I received a credit alert that my FICO score dropped 100 points. 

Since I did not sign up for this line of credit, I asked first citizens to remove it from my credit report. They have not complied.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.
Consumer complaint received 2024-09-02
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)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2020-05-05
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)

I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you
Consumer complaint received 2020-05-05
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}