davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

On XX/XX/2023 I wrote and sent two letters to Nelnet. The first letter was a Validation of XXXX letter, requesting that Nelnet send me information about the alleged debts with them. 
The second letter was a Cease & Desist letter, stating that I XXXX XXXX did not consent to having my Private Personal Information ( PPI ) shared & displayed with the three consumer reporting agencies. 
On XX/XX/XXXX, I sent a third letter to Nelnet. This letter was a Notice of Default and a Bill of Particulars.

This correspondence was to notify Nelnet that they were in violation of 15 USC 1692 ( g ), 1692 ( e ) 8, 15 USC 1681S-2, 16 CFR 660.4, 15 USC
1611, AND 15 USC 1692 ( c ) C, among others. 

In all the letters, I stated that I'd only accept communication with Nelnet by way of USPS mail, signed under perjury. 
Since sending the first set of letters, I have not received any correspondence from Nelnet via USPS. BUT they did send me an email on XX/XX/XXXX confirming that they received my letters on XX/XX/XXXX, & they'd validate my debts. I Still haven't received or heard anything from them. 

At this point, It's been over 2 months since I've heard anything from Nelnet. It's clear that they can't validate the alleged debts.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It appears my information is being shared. I am receiving unsolicited marketing material. 
There are incorrect names on my profile. There are incorrect addresses on my profile. There are inquiries from companies I do not recognize on my profile.It looks like various banking institutions have created inquiries on my credit profile. My information was used to create a utility bill in my name. One of the credit bureaus said my email and information was on the dark web. My profile is being misused.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within XXXX business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.
Consumer complaint received 2023-09-06
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. (CT)

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. 

has violated my rights. Or list of inquiries 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This account is supposed to be closed yet it is saying it is not paid, and hurting my credit score. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My capital one cards and my XXXX card are now being paid off with monthly payments.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (OH)

this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the 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 XXXXXXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I have received letters stating that I owe on a vehicle that is not in my possession. I reported the car stolen over a year ago. I contacted the car lot where I got the car. The car was my son 's car. He is incarcerated. They are trying to take me to court plus make me pay fees. I am not liable for this vehicle.
Consumer complaint received 2024-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (NC)

I am writing to formally address serious grievances involving the illegal handling of my debt, unlawful credit practices, and breaches of federal consumer protection laws. This letter serves as a final notice to remedy all outstanding issues, halt all illegal activities, and address my damages as outlined below. Failure to do so will result in immediate legal action. 

The following federal statutes and regulations are hereby cited in support of my position and further illustrate your violations. I respectfully request you review each one and cease all unlawful practices immediately. 

Truth in Lending Act ( TILA ) Violations Your organization has failed to uphold transparency and fairness, violating 15 U.S. Code 1601 et seq., which is designed to promote consumer credit disclosure. Specifically : 15 U.S. Code 1666 ( B ) : Failure to provide a fair and prompt resolution for billing errors.

15 U.S. Code 1602 ( g ), ( j ), ( i ), ( k ), ( p ) : Misuse of my credit and failure to provide clear terms as defined by these clauses.

15 U.S. Code 1604 ( a ), ( b ) : Lack of disclosure in credit-related advertisements and failure to comply with federal requirements in disclosures.

15 U.S. Code 1605 and 1606 : Incorrect assessment and lack of clarity in finance charges and other costs.

Consumer Law Violations and Privacy Breaches Under 12 U.S. Code 1431, 15 U.S. Code 1681n, 1681o, 1681s, and XXXX your company has : Misused my private financial information.

Failed to ensure proper security and confidentiality as mandated by federal law.

Violated privacy standards through improper data handling and unauthorized disclosure of my personal data.

Illegal Debt Collection Practices Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 et seq. ), your actions have constituted : Harassment ( 1692d ), misleading representation ( 1692e ), and unfair practices ( 1692f ).

Falsifying information concerning the amount owed and failing to validate the debt under 15 U.S. Code 1692g.

Forgery and Unauthorized Use of My Information Your company has unlawfully used and forged my information, violating 15 U.S. Code 1640 and 1692k, resulting in damages that I am entitled to claim in a court of law.

How did another 3rd party to 4th party company get my information if i never given consent and i never verbally sent a letter telling these companies to do so.

also it is not under federal law that all furnishing agencies and banks are held by the law to do right and if not than prison and money is to be paid back to the affected consumer.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 ALLEGED ORIGINAL CREDITOR : XXXX XXXX ALLEGED DEBT COLLECTER AGENCY : PROFESSIONAL DEBT ALLEGED AMOUNT OWED : {$3900.00} ALLEGED ACCOUNT NUMBER : XXXX DEAR PROFESSIONAL DEBT I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE : A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS. 
I RECEIVED A LEASE AGREEMENT WITH APPEARS TO BE AN AUTOMATED COMPUTER-GENERATED SIGNATURE THAT IS NOT MY SIGNITURE AT ALL AND YOU SENT AN COPY OF A VERY OLD LICENSE THAT WAS STOLEN ALONG WITH MY ENTIRE PURSE. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAS ). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN. NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME. YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE! I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS! THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY XXXX XXXX
Consumer complaint received 2023-08-31
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. (LA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IA)

I purchased a hotel room through XXXX XXXX XXXX on XX/XX/2023, order # XXXX. XXXX XXXX XXXX advertised on their website best rate guarantee policy. I arrived at the hotel and the room was actually less than what XXXX XXXX XXXX charged at {$170.00}. I made a claim on the best rate guarantee on XX/XX/2023. In the morning of XX/XX/2023 the hotel room was infested with ants and bugs. I let the front desk know of the issue and they said they would let the bug guy know. XXXX XXXX XXXX posts on their website the procedure you have to follow to make a claim on the best rate guarantee. It lists an email address that you have to write to with the details. I did. At the end of that email is another email address you have to email and I did. Then there was another email to write to and that box does not respond and no one answers that email box. So I moved on to disputing the charge with Barclays XXXX, which asked for more information which I supplied by certified mail twice. Barclays card attempted to confuse the issue by disputing a different charge of {$170.00} which I did not dispute, that charge is paid. I asked for a refund based upon the published best rate guarantee by XXXX XXXX XXXX of which XXXX XXXX XXXX has dishonored their own published policy. I have spent XXXX hours preparing documents, printing emails, researching, mailing and making phone calls times {$400.00} an hour is {$1400.00} plus certified mails costs of {$9.00} and {$10.00} on the refund on XXXX XXXX XXXX order # XXXX of {$170.00}.
Consumer complaint received 2023-04-30
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. (GA)

To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX {$31.00} ; XXXX XXXX XXXX {$1500.00}.
Consumer complaint received 2023-04-30
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. (LA)

Account was paid for to be settled and DELETED off of mine and my wife 's credit profiles. Account has since only been settled as paid, but not removed from collections. I do have email confirmation of payment and of the company stating they would delete the account pending payment but have yet to remove or delete the account at all. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MI)

My HELOC was sold. I was told my payments would be about {$500.00} a month for 10 years. Now its {$750.00}!! I can not get a hold of them to discuss it. Their phone number doesnt work!! 
{$100000.00}!!! Im very afraid Ive been scammed and my home is on the line
Consumer complaint received 2023-09-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$2500.00} Act # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$260.00} Acct # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$580.00} Acct # XXXX
Consumer complaint received 2023-04-03
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I received a call from a number that was related to a Chase mortgage facility. I confirmed my name but did not give any information. I clicked the moment I realized it was a scam call. After the call I got an email stating that my debit card was added to an XXXX XXXX. I immediately locked my card and went straight to the bank to get rid of it and order a new one. I took a look at my checking account and didnt see anything suspicious. Later that day, something told me to check my savings account ( all within the same bank, Chase ) and there it was, {$600.00} robbed from my savings. Whoever did this took {$200.00} from my local bank atm and then another {$400.00} from another atm. Thats when I called to make my claim. The department issued a temporarily refund until further notice. About a week they told me they denied my claim because whoever did this was successful on one attempt. Well of course they are going to be able to use any atm successfully after having compromised my XXXX XXXX. It literally states in the guidelines of XXXX XXXX that you can use any atm. I do NOT think this was fair for Chase to deny my claim because I have been a customer with them for years and not a single time have I ever claimed an unauthorized transaction until now. After being told my claim was denied is when I decided to file the police report because I thought my bank would of supported my accusation, my fault apparently. I am currently faxing any documents that will support that this was not a transaction made by myself. I have work documents and work footage that will show I was at neither one of these atms the date and time these transactions were made in hopes I can have my money returned. Any additional help is highly appreciated at this point.
Consumer complaint received 2023-05-30
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was diagnosed with XXXX  and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment