davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (AL)

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 168b permissible purposes of consumer reports. 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Subject : Concerns Regarding Retail Installment Contract as a Negotiable Instrument Dear Credit Acceptance, I am writing to address several concerns related to my retail installment contract, which operates as a negotiable instrument under our agreement. 

A negotiable instrument is a document guaranteeing payment of a specific amount of money, either on demand or at a set time, and can be transferred from one party to another. When XXXX sold this contract to Credit Acceptance, the contract effectively transformed into a negotiable instrument. This process of 'negotiating ' the contract allowed Credit Acceptance to become the new holder of this instrument. 

However, I have several concerns about potential violations of the XXXX XXXX XXXX ( XXXX  ) and the XXXX XXXX XXXX XXXX XXXX XXXX  ) in the processes and agreements related to this contract. 

Firstly, I believe there may have been a violation of UCC 1-201 ( 20 ), which requires full and accurate disclosure of contract terms. XXXX, as the original seller, did not provide complete and truthful disclosure of the contract and financial agreement terms. Furthermore, I was unduly coerced into paying a down payment under conditions not uniformly applied to other customers, potentially contravening XXXX XXXX that deals with unconscionable contracts. 

In regards to XXXX, its key purpose is to ensure the informed use of consumer credit by requiring disclosures about its terms and cost. If full disclosure was not provided, as appears to be the case, this could constitute a breach of XXXX. 

Moreover, I have experienced issues with Credit Acceptance, including coercive practices related to recurring payments and issues with the enforcement of the arbitration clause. My vehicle was repossessed from my private property without peaceable means, potentially breaching XXXX XXXX which outlines the secured party 's right to take possession after default. 

Concerningly, if Credit Acceptance is not licensed or registered in any U.S. state, it could potentially be in violation of state-specific financial regulations and licensing requirements, which vary from state to state. 

Considering these potential breaches and their impact on me, both financially and emotionally, I believe I am entitled to remediation under XXXX and XXXX regulations. 

I request a thorough investigation into these matters and expect appropriate remedies to be provided. I retain all rights under state and federal law to pursue this matter further if satisfactory resolution is not reached. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-20
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. (MN)

In XXXX a XXXX credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX , XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time Equifax says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both XXXX and XXXX XXXX. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both Equifax and XXXX on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.
Consumer complaint received 2020-02-27
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. (FL)

XX/XX/XXXX OCCURRENCE DATE XXXX XXXX  XXXX/XXXX  XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT, AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS FALSE AS THE ACCOUNT FIRST MAJOR DELINQUENCY WAS XX/XX/XXXX STATUS SHOULD READ PAID CHARGED OFF THE 81-PAYMENT HISTORY IS INCORRECT IS IN NOT COMPLETE AS IT FAILS TO STATE FOR YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. XXXX XXXX  XXXX/ XXXX STATES ACCOUNT WAS PAID BEFORE CHARGE OFF. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE MAJOR DELINQUENCY WAS ON XX/XX/XXXX AND PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT AS THE STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT AS IT STATES CHARGE OFF ON XX/XX/XXXX. BUT THE ACCOUNT WAS PAID RECEIPT IN XX/XX/XXXX. THREE MONTHS BEFORE CHARGE OFF DATE.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC. (AR)

RE-INSERT THE FOLLOWING ACCOUNTS, XXXX  XXXX XXXX  ( 2 ACCOUNTS.XXXX/XXXX, ALLY FINANCIAL, XXXX.
Consumer complaint received 2024-10-30
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. (FL)

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 2024-10-30
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. 
Account Number : XXXX Im demanding a debt validation : According to 15 USC 1692 g Copy of contract with my signature that I sign on for this debt Copy of payment history from the original creditor show my payments. Name and the address of the original creditors Proof I own or assigned this debt
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NC)

I traded a car in XXXX where I was underwater. I had decent credit score, but the used car company, XXXX XXXX, selected Santander XXXX XXXX % to service the car loan. I didn't realize what the interest was on the loan until the next day. I was told that I could refinance the car to get out of the loan. I contacted Santander about the refinancing or lowering the interest rate as my XXXX score was greater than XXXX, and they refused. 

I had also put down XXXX for the downpayment of the vehicle. I could not get anyone to touch the car, so I ended up having to pay XXXX to trade the car. 

I am requesting the {$10000.00} from Santander. {$8000.00} for the downpayment I made in XXXX, and the {$2000.00} I payed on top of the regular payment, trying to get the car to a level where I could trade it. I had to trade the car to get out of the loan and I really liked the car, so because of their deceptiveness and predatory lending practices, I am out a large chunk of money and a car I don't like.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I HAVE TRIED SO MANY TIMES WITH EXPERIAN CREDIT TO REMOVE ALL OLD ADDRESS WHICH MY MAILS GOES TO OLD ADDRESS WHICH DOSENT BELONG TO ME. I HAVE REQUESTED EXPERIAN TO UPDATE MY CURRENT ADDRESS THEY HAVE NOT DONE ANYTHING SO FAR. I AM ATTACHING MY CURRENT ADDRESS ID SO PLEASE UPDATE MY INFO AND DELETE ALL THE OLD ADDRESS
Consumer complaint received 2023-07-28
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. (WI)

On XX/XX/2023 I sent a letter to the bureau informing them that there was an account reporting inaccurately with an " Open Account '' status and I requested that it be deleted from my profile because it is not FCRA compliant. This inaccurate reporting needs to be deleted. I pulled my report again and this information is still showing on my account inaccurately. This is a violation of my rights as a consumer.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 my debit card was used in the XXXX XXXX XXXX with transactions amounting to around {$2400.00} in cash back and unauthorized cashback and debit card withdrawals. I currently live in California, nearly XXXX miles away. At the time of the unauthorized transactions, immediately called Chase to tell them about the charges and to cancel the card. Chase filed two claims one for {$810.00} and one for {$1600.00} the next couple of days Chase denied my claim saying that I authorize somehow the transactions, even though I wasnt there, they said that the card and pin was used, thats impossible because I still have the physical card and I never gave my pin number away. at this time they refused to reverse any of the charges and they said theres nothing they can do about it even though I have zero protection liability with them.
Consumer complaint received 2023-07-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Company decided to sue me in Georgia for a fraudulent account I counter sued Portfolio Recovery Associates llc and on XXXX 2023 Portfolio Recovery Associates case was dismissed with prejudice, my counter claim however was not and i won. Afterwards portfolio recovery decided to falsify my signature and claim I came to an agreement with them. Attached is email transcripts of their hired attorney to fraudulent have me sign a contract that was null and void due to already dismissed case. I successfully sued and won for {$500000.00}. Please see attached.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX to my life and credit health.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

someone stole my wallet and charged my chime checking account XXXX XXXX filed a police report and desputed the transaction 5 times and got denied all 5 times.i also provided chime with the police report via email and posting it on my chime account. i also inform chime dispute department that i didnt authorize the charged.
Consumer complaint received 2023-07-28
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. (FL)

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.

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (IL)

Hello This company name CBE Group keep calling me several times a day without leaving any voicemail messages. I called the company to ask why are they calling me. The Agent refuses to tell me why they are calling me or what for. I feel i'm being harassed.
Consumer complaint received 2023-07-28
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (VA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX  Please remove it from my credit report.

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (IN)

In XX/XX/XXXXI took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for 3 XXXX. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX office and  was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

My loan servicer, NELNET, is completely inaccessible right now. Today, XX/XX/23, I attempted to log in via the Nelnet App on my phone, and the app does not work. A screen pops up for me to log in, but then when I entered my credentials, nothing happened, and I am still on the log in page. I also tried to log in via the nelnet website, and am experiencing the same issue. 

The company is not reachable by phone -- - when i called their XXXX number, there was a message stating that the wait time was well over 30 minutes, and no option to have them call me back. 

I need to make payment on my student loans, but have no means to access my nelnet account to make this payment, and I am not sure what to do. 

This is not the first issue that i am having with Nelnet 's online payment processing system either. My other issue is that when a borrower makes a payment that is greater than the minimum payment due, there is supposed to be an option to " not advance the due date '', and while there is a box on the screen showing that option, you can't actually click on it. When i first discovered this issue last year, i called Nelnet ( sorry, i didn't write down that date ) and told them that i did not want my overpayment to advance my due date, but that the button to indicate this on the payment page was not functional. They supposedly manually input that request into my account, but then continued to advance my due date anyway. 

At this point, my biggest concern is the fact that the company is not reachable to me, their website and app are NOT working, and thus, I have no idea how i am supposed to make my next loan payment.