davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (IN)

When I checked my credit report this morning, I was alarmed to see unauthorized inquiries that I can't explain. I routinely check my credit report, and this is the first time I've seen such discrepancies. Refreshing my browser didnt resolve the issue ; the unauthorized inquiries remained. I ask that the documents Ive submitted be thoroughly examined so I can finally stop worrying about this.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Yes Online Inc (FL)

All credit agencies ( XXXX, XXXX, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-10-04
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and accurate and false information consist of four personal credit card accounts and one account from XXXX  XXXX for {$450.00} the credit card accounts were from XXXX XXXX XXXX  for {$1200.00}, XXXX XXXX XXXX  for {$660.00}, XXXX XXXX XXXX XXXX  for {$660.00} and XXXX XXXX no balence given. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX as proof from the US 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 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Prior to the covid student loan payback freeze I had a significant amount of time left on my forbearance with my student with Nelnet, was working at the time having my own XXXX XXXX as a XXXX XXXX XXXX XXXX at the time renting an office, and when XXXX hit I was stuck with a lease, was homeless for a few months, and working anywhere I could get a wi fi connection while not being allowed family, friends, or any public establishment. 

So here I am working in XXXX XXXX trying to help people suffering from isolation losing money on an office I cant use and working virtually out of my car. I finally get back on my feet with a roof over my head and still paying back not only the rent lost from my prior office/private practice that I lost. 

I am more than dissatisfied with nelnets minimal communication, not adhering to my request for a breakdown of my forbearance months left, and now all of a sudden acting like its a fresh pay back start after resuming student loan paybacks. Nope that doesnt fly with me and if they continue to ignore my requests these un empathetic individuals will likely face consequences as my grandfather is paying for a full investigation. 

I have not XXXX XXXX to pay back and some time to get back on feet would be appreciated and I know I have at least XXXX or more months left on my forbearance which has been acknowledged by nelnet and acting like it never existed. Thank you.
Consumer complaint received 2017-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX 
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}. 
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX. 
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX. 
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date. 
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file. 
I request your help in either getting my payment credited to Hyundai, or return the payment to me.
Consumer complaint received 2017-09-11
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)

I have notified Equifax since XX/XX/XXXX2017 that there were two medical debt accounts reporting on my credit report from XXXX, one in the amount of {$18.00} and another in the amount of {$430.00}. I contacted Equifax and advised them that I do not owe the debt and that the original creditor said they will bill my insurance company. Equifax stated that I needed to dispute the account, I disputed the account and Equifax then responded saying the debt is valid and to contact XXXX. I contacted XXXX that advised me that they were not aware that the account did not have a balance and to contact the original creditor. I contacted the original creditor that stated that they will notify XXXX that I do not owe a balance and to remove the account from my credit file. I then contacted XXXX. XXXX then stated that they received notification from the original creditor that there was no debt and to remove the information from my credit file. I contacted XXXX to request documentation to confirm that they have requested the deletion. I received documentation which I then submitted to Equifax as proof that the information on my credit file is inaccurate and to remove it. Equifax has since denied my request stating that the company has not sent them a request to delete the information from my credit file. I contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Provided ID # XXXX ) that stated that she was a supervisor at Equifax and that Equifax can not remove anything from my credit file and that even though I have submitted proof that the information is inaccurate they do not have the ability to remove it.
Consumer complaint received 2017-09-11
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)

XXXX appeared on my credit report. It shows a medical bill from XXXXXXXXXXXX XXXX. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXXXXX  really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

I have contacted multiple times about my loan amount being inaccurate. I have screenshots of both Ed financial website and XXXX XXXX stating my loan balance is XXXX. After the amount was XXXX for over a month somehow a balance was put back on my account. I paid on XX/XX/23, {$890.00} and XX/XX/23 {$890.00}. On XX/XX/23 {$43000.00} was paid off. The total balance is XXXX, yet now the number has changed and it does not make sense how you are adding to everything already paid off.
Consumer complaint received 2023-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

XX/XX/XXXX PayPal Holdings , Inc. 


PayPal Reference : XXXX XXXX have been using PayPal without any problems for years. However, my son, XXXX XXXX asked me for help money-wise, {$2000.00}. XXXX did not have XXXX or PayPal so I asked XXXX to get XXXX or the other so I XXXX transfer money to him. 
On XX/XX/XXXX, XXXX informed me he had a PayPal app. I told XXXX I would send him {$25.00} to see if it would transfer properly, and it did. The PayPal transaction is # XXXX. Up to this point, I had no contact with XXXX XXXX 's name. 
On XX/XX/XXXX, I sent {$2000.00} to XXXX using PayPal and my debit card to XXXX, PayPal Transaction # XXXX. XXXX did not receive the money. When I checked with PayPal and filed a complaint, I noticed XXXX new contacts I did not know about, for a total of XXXX contacts for XXXX XXXX : XXXX ) XXXX XXXX backgroundXXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; XXXX ) XXXX XXXX background, XXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; and XXXX ) a blue circle with an icon in the middle of it ( do not know what it represents ), and XXXX XXXX below the circle. 
The PayPal XXXX informed me the {$2000.00} went to the email XXXX my son XXXX informed me that he has never had any XXXX email address. 
First and foremost how did XXXX unauthorized XXXX XXXX contact icons get added to my PayPal page if XXXX nor I requested or put them there? In my opinion, PayPal was hacked and this person who performed the hack put these XXXX false XXXX XXXX contacts on my PayPal account and does, has, or had an email address of XXXX and received my {$2000.00}. If those XXXX unauthorized contacts were not hacked into my account, then my {$2000.00} would have transferred to my son, XXXX as did the {$25.00} I sent him on XX/XX/XXXX. 

Secondly, PayPal informed me that the messages in their message box would be available to me for 3 years as of XX/XX/XXXX. I have not been able to access the message box nor print the messages I had with the PayPal XXXX on XX/XX/XXXX, XXXX. 
When the PayPal XXXX was asked by me how can I print our conversation, I was informed that they would send me an email with a copy of our conversation, which I have not received as of XX/XX/XXXX. 
I believe that my {$2000.00} should be returned to my debit card since the money was sent to my son XXXX XXXX who had received {$25.00} in a test run on XX/XX/XXXX, and I did not add, or have knowledge of the hacked contacts added to my account. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX cc : Consumer Financial Protection Bureau XXXX Bank Colorado BBB XXXX Colorado
Consumer complaint received 2024-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (MA)

On XX/XX/XXXX I had a check sent from proceeds from an equity loan to Discover personal loans in the amount of {$25000.00} this amount was sent based on a payoff quote given. The check was received by Discover on XX/XX/XXXX applied to my account on the XXXX according to my Discover app. and my loan showed paid off. On XX/XX/XXXX I logged into my app to find my payment was reversed. I have received no letter or communication that there was a problem with my payment that was applied XXXX business days earlier, I called Discover on XX/XX/XXXX to inquire why the payment was reversed, I was told the bank put a stop payment on the check, I reached out to the bank and confirmed that was not the case. I was then told they simply didn't know, then lastly they told me the check was rejected because the image was illegible and that the bank rejected it. I then asked for a copy of the check when I received the that it states that the item was rejected due to the image by XXXX XXXX XXXX which is Discovers bank, so there was a scanning issue with the check. I wired them the money to Discover XXXX and asked that they back date or honor my payoff as I feel like this was not my error or my banks error to warrant having to pay more money. They continue to tell me that I will need to pay more because the funds were not received in time for the payoff. Thats is not true and they received the funds on time and it was their error on why they rejected the check. when reviewing the check and the correspondence from XXXX they reversed the payment on XX/XX/XXXX. Again no communication was given for me to even try to correct this issue any sooner. I feel like if I hadn't called I would still be in the dark that my payment was reversed. I am not sure how a scanning error on Discovers part warrants me paying more money to them when this was not my doing. I was told I would be getting a call back on XX/XX/XXXX to discuss with a manager that has not happened as of the today the XXXX, I called in again today with again a promise of a call back hopefully XXXX mean time they are charging my account interest daily.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) XXXX to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to Fed Loan directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-12
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. (CA)

This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauEquifax. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter. 
Account name/number : XXXXXXXX XXXX XXXXXXXX I am not liable to any debt with XXXX XXXX XXXX I did not contract with XXXX XXXX  and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus. 
The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively impacting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. 
The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard. 
Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report. 
The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this result. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX