davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, I sent a proof of Validation letter and was not able to get proof that these accounts werent mine.
Consumer complaint received 2020-04-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I borrowed {$1800.00} from CashNet USA and have repaid {$2000.00}. The company has received ALL of its loaned amount back plus some. They problem still planed to collect another {$1300.00} to get {$3300.00} for the {$1800.00} borrowed. Outrageous! 

OnXX/XX/XXXX I filed a CFPB complaint about the excessively high fees. 

CashNetUSA reaches out to me and a payment arrangement was proposed. At this time it is important to note that I had missed no payments. I was now to pay {$550.00} with my next payment not due until XXXX XXXX. 

The same day this arrangement was made CashNetUSA sent me an email filled with fraudulent information! It stated : * As a result of several missed payments ... LIE! I had missed ZERO payments! 

* the full outstanding balance of {$1400.00} is now due and payable ... LIE!!! I was to only owe {$550.00}. 

I immediately contacted the company to dispute the above. I was told Please ignore the email that was sent today XX/XX/2020. I was expected to simply ignore their attempts to scare me into paying {$1400.00} ... which you can see is MORE than the {$1300.00} I originally was told to pay and nearly TRIPLE the {$550.00}. 

Due to this FRAUD and harassment, I ask CashNetUSA to accept ONE FINAL payment of {$350.00}. CashNetUSA will then have received {$2300.00} for the {$1800.00} borrowed ... {$540.00} in fees which is a rate of 30 %!!
Consumer complaint received 2023-02-06
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. (MS)

Fraudulent information pertaining to XXXX XXXX information is being held against me that doesnt belong to me. Wrong person account is fraudulent. XXXX XXXX XXXX XXXX XXXXe needs to be deleted from all three credit bureaus
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I pulled my Consumer report and I am showing XXXX XXXX XXXX XXXX is reporting XXXX inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

In XXXX, I took out a Federal Parent Plus loan. In XXXX, it was switched to a private loan. I was never notified. In fact, I have never been contacted by mail, email or phone of any changes at all On XX/XX/XXXX, I was incorrectly advised of a deferment date. I have been given different answers each time I call Nelnet. I was told I believe in XXXX, XXXX that I was ahead on my payments because I had payed interest each month of XXXX $ during the first year of the pandemic. Thus I was in deferment till XXXX. On XXXX XXXX, i called to report difficulty with changing my password and was told a payment was due in XXXX ( which was o totally different amount than my original payment. The woman I to then asked many questions and put my loan in deferment until XX/XX/XXXX. She told me this and I documented it for my records. Today I was told by the Nelnet agent that nothing to that affect had been documented on XX/XX/XXXX and her note was that I had refused to pay. I had already been told I was in overpayment until XX/XX/XXXX. 
I was sent the application for XXXX on XXXX/XXXX and she instructed me how to fill outback. I was told today when I called that it was incorrectly filled out XXXX I need to submit a second application which I am doing today. I am a senior citizen on a fixed income who has never missed a scheduled payment and even paid halfway through the pandemic. I have been given misinformation, lied to and dont know where to turn. The original Loan was taken out through XXXX. Account number XXXX
Consumer complaint received 2024-10-31
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. (TX)

XX/XX/year> I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report : Account : XXXX XXXX Account # : XXXX The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX, XXXX Fair Credit Reporting Act [ XXXX USC XXXX ( XXXX ) ( XXXX ) ( B ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act XXXX USC XXXX ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Consumer complaint received 2020-04-21
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES XXXX SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Consumer complaint received 2024-10-31
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. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX  XXXX Original creditor : XXXX XXXX  {$920.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX {$710.00} XXXX. XXXX, XXXX Original creditor : XXXX XXXXXXXX XXXX {$3700.00} XXXX. XXXX XXXX {$3000.00} XXXX. Tbom bt {$300.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX. XXXX XXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-03
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. (GA)

In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

15 USC 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 2024-10-31
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. (MA)

On approximately XX/XX/year> as I was checking my credit report, I saw a credit card from XXXX that I had not opened. I contacted XXXX and they determined it was fraudulent. I requested it be removed from my credit report from Trans Union. As of XXXX XXXX it is still on my report.
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (UT)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811 ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) iter reviewing my recent credit report, I have identified we following inquiries that I do not recognize or authorize Disputed Inquiry : 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 XXXXXX/XX/year>
Consumer complaint received 2020-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (MA)

Yesterday evening I spoke to a rep in regards to my acct I requested a letter stated the debt would be removed after payment, the rep said no they do not produce individual letters, I then asked the rep to send a letter with the offer we agree to the rep stated no, I tried to negotiate the rep put me on hold to speak to his manager and his manager stated I must pay in full with a debit card and they do not want to negotiate with me if I send a USPS money order the original amount from the original creditor is XXXX there offer is well above asking price
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have contacted the company regarding this false information that they have placed on my credit report. 

Commonwealth Financial Systems Inc. 
XXXX XXXX XXXX XXXX, PA, XXXX Medical collection bill {$740.00} I do not owe this debt and I believe this was place in collection in error. 

Please remove this inaccurate information from my credit report.
Consumer complaint received 2020-04-21
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)

XXXX continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX. I was never late with XXXX.I was under a approved forbearance agreement back in 2016 for XXXX XXXX XXXX  and forbearance for XXXX  .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also XXXX  shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX  is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my credit report has prevented me from getting hired for work.
Consumer complaint received 2020-04-19
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. (MD)

I have disputed the three major credit bureaus for a few items that each of the 3 are not being truthful about a different problem that has either been deleted or they have not redisputed the information reciting that they have disputed it before and that the information to dispute is frivolous and will not be investigated. File Number XXXX. The items specifically on XXXX  are 1. XXXX XXXX. account # XXXX 2. XXXX XXXX account number XXXX. XXXX XXXX XXXX the other one was deleted I was a victim of identity theft. These accounts were opened fraudulently, they were deleted and now reappearing back on my report. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are bankruptcies on XXXX  and Experian file in 2019 that they claim they got from XXXX XXXX, I have a copy of my XXXX   XXXX  report, Consumer Number XXXX which shows no bankruptcies, as well as a XXXX XXXX, report Consumer ID XXXX which has cleared any bankruptcies because of proven identity theft. 

3. XXXX XXXX ( XXXX ) account number XXXX was deleted from my credit report. It was a stolen credit card and was deleted now reappearing. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

4. XXXX XXXX XXXX. '' In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

5. XXXX  XXXX balance is {$620.00} This account is mine but I have never been late. They have been charging me XXXX dollars per month stating Im late. My credit limit is {$40.00} dollars, and my payment is {$14.00} in which I pay {$20.00} per month on via my checking account. It should be paid in full by now, but instead the balance keeps going up. 
6. The XXXX. Account # XXXX I have never been late on this account. This is my son 's car and is being paid through XXXX they have never missed a payment. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 
7. XXXX XXXX XXXX was deleted from one bureau and is saying correct on the others how can that be. The same 5 day reinsetion applies. 
8. XXXX XXXX : Never had this account, was deleted and reinserted. 
9. XXXX XXXX. Never opened an account with this company or the company that sold it to them. It was deleted and reinserted with Experian only. Please make these companies redelete these items and keep them off
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX, Transunion, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.
Consumer complaint received 2020-04-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal actio
n.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-04-19
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)

Sent a certified letter to your company regarding inaccurate reporting from your credit bureau. Your company received my certified letter on XX/XX/2020. My report still contains unauthorized information. Please refer to my documentation.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 contact Chase Bank to inquire about reopening a new account. I was told I needed to clear an amount that was in collections, then I could proceed. I paid the disclosed amount, and the rep, Mr. XXXX noted my profile, and told me that I was still eligible to bank with Chase, and could open a new account at my leisure. I stopped by my local branch on XX/XX/XXXX, and scheduled an appointment to open my new account for XX/XX/XXXX. I opened my new accounts at the branch with a truly amazing banker named Ms XXXX. The next day I also opened a Finn account for use when I travel locally and abroad. I also opened a U Invest account for investing on XX/XX/XXXX. On XX/XX/XXXX I stopped by a branch in XXXX Florida to make a cash deposit at the ATM machine, and the transaction was denied multiple times. I called customer service to check on this, and was transferred to their Loss prevention dept. I was shocked to find out that all my accounts were restricted, and the rep I talked to told me they were going to be closed, and she had no valid reason that she could provide. She also said I could NEVER open any accounts with Chase again. She apologized, and said Chase decided to close the accounts, and that was that. This is unacceptable. I can not condone or overlook this type of discrimination. There was no strange or irregular activity on any of my accounts. Chase extended even extended an invitation to restart our financial relationship. I do not appreciate the way Chase has treated me.