davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TN)

XX/XX/XXXX traded car. Never late with Global Lending. Contacted Global Lending all was fine payment made XX/XX/XXXX for XXXX reversed with help from my bank and them. XX/XX/XXXX calls came. I contacted company got car from all was fine. Contacted Global Lending they said they would let me know. Next thing I know started getting calls called XXXX XXXX XXXX they said they have the title all was handled. I called Global Lending they stated I still owe them the money for XXXX {$570.00}. I worked with them they were looking into it. Next thing I know I am getting calls at least 6 or 7 a day. I said ok I will pay just so they would leave me a lone. I tried they said no this account is closed. You will have to send a money order, cashiers check or XXXX XXXX. I said no. They said they want the payment. I then called and spoke with another overall manager XXXX XXXX said yes they made a mistake and released the title so yes the account is closed. He said he would take care of things and call me back. I got this call and he said well we still want the money. He said send it to the XXXX XXXX XXXX I said if the account is closed how will this be applied. He said we will take care of this. He then informed me that it is going on mine and my husbands credit as delinquent payment. I said we don't owe it and the account is closed. This conversation ended shortly after. Then a tow truck showed up to repo our car. This guy was great he looked a vin and said sorry. I called Global Lending they said we owe money. This repo was sent out by collection dept. Later on in the week another repo came he backed in driveway I ran out he said pay or he is going to repo my car. I said I don't own it don't breach the peace he pulled out of driveway and said ok. I called Global Lending they said this was sent from the delinquent side. Then they started calling my work several times a day. I had this blocked and the calls at least 10 a day came on my phone now they are calling my husbands work over and over again as well as him. He is going to loose his job. It is going on his credit as well as bad credit payment history. I was always on time never missed a payment. I am trying to build up mine and my husbands after our bankruptcy. Please help fix this. I am really trying hard to fix everything. This is messing up our credit. They are leaving messages and calling constantly.
Consumer complaint received 2023-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I received numerous letters to my inbox saying " Congratulations! Your student loan has been paid in full! '' The letters, which I received for each of my loans on XX/XX/23, said that my balance was paid in full. Such an enormous relief! Only to later find a payment due ( {$140.00} ) and a balance displayed ( {$140000.00} ). The payment activity says paid in full, my inbox says paid in full, but I'm also showing a balance and payment due. How is this an acceptable way to conduct business? It is so wrong to " mistakenly '' send these to people and calls into question the accuracy of their records. I sent a request weeks ago for my full account documentation and have received no response. What if I relied on their letters of a XXXX balance? This is unacceptable.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX  XXXX
Consumer complaint received 2023-09-18
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. (FL)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX
Consumer complaint received 2023-04-26
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. (NV)

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that 3 Credit Bureaus must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX XXXXBalance Owed : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 2023-10-23
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. (OH)

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 XXXX5 USC 1681.

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 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I made two separate payments to Nelnet on XX/XX/2023 and XX/XX/2023, before student loan payments resumed, intending to pay off all of my outstanding interest so that it would not capitalize. Any excess should then have been allocated to my highest interest loans. That, however, did not occur. For some unknown reason, Nelnet did not apply my payments to my outstanding interest, so that interest capitalized. I have called Nelnet twice, and was stuck on hold for numerous hours both times before being forced to hang up, trying to receive an explanation. Their call line directs you to their website, so I submitted a complaint on their website requesting an explanation and requesting that they remove the capitalized interest that never should have capitalized in the first place. They have given me the full run-around. The first response I received gave me a boiler plate explanation of why interest capitalizes. My reply that I understand how it occurred and demanding an answer to my actual question- WHY it occurred- has still not been answered. The response I received today was another boiler plate response, but this time, it - AMAZINGLY - merely said : " We understand that communicating over the phone may not be your preferred method for resolving your situation. However, it is often difficult to discuss more complicated matters using email communication, which is better suited for more generalized requests. If you would like further information about your account you can contact us at the number listed below. '' I have read hundreds of complaints from other borrowers who have been on hold for several hours without ever being able to talk to someone at Nelnet. The pre-recorded messages played over and over while I personally have been on hold twice for over an hour each time pushed me to consult and use their website. And YET, when I did, I received no helpful response and a direction to call their insanely understaffed phone line. This company is a joke, and I am tired of receiving the run-around at my own expense. I have had a few other issues with Nelnet, including continuing to receive multiple statements with multiple payment dates despite already being approved for a single due date for all loans, but the fact that my outstanding interest capitalized when it absolutely should not have is by far the most severe and the most egregious. This company is yanking me around because they are financially benefitting from allowing my interest to capitalize in the first place. It needs to be rectified immediately, and, as they are impossible to reach and deal with, I am escalating my complaint to the CFPB. You all need to step in and get Nelnet under control.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Consumer complaint received 2024-08-09
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. (IL)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (TX)

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit Karma and or XXXX hasnt reported my credit card with XXXX XXXX credit line bank of {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Sometime in XX/XX/, someone accessed our TRUIST account. They viewed or printed copies of FOUR checks. Neither myself or the co-user on the account requested these. The unauthorized access caused fees to be accessed on our account. 

I contacted Truist on XX/XX/XXXXXXXX XXXX XXXX XXXX, and XX/XX/XXXX. I have spoken with a local branch, their fraud department, and accounts department. None were able to help me. 

Truist is unwilling to provide details about the FOUR transactions. We asked for : 1 ) who initiated the transactions, 2 ) which bank employee initiated the transactions, 3 ) the date/time of the transactions, 4 ) the location ( branch ) that initiated the transactions. Without this information, we are unable to determine if these were FOUR errors ( One might happen, but not FOUR ), an inside job where an employee is stealing customer information, persons impersonating myself or the co-user, or some other nefarious action.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADIR INTERNATIONAL LLC (NV)

In accordance with the Fair credit reporting act this creditor has violated my rights. Under 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have been dealing with this problem for years tried almost came up I dont know what to do. Im not able to access my credit report online. It comes up with the XXXX XXXX Every time I tried to access it even tried going through different vendors and because I cant get that report from them. It block the other vendors for updating, the rest of them like my XXXX wont update because I cant pull up Equifax Ive tried talking to them. Theyre only able to offer me a physical copy of my Equifax XXXX I paid for all three before and I dont have received all three because Equifax has got me on a code, and they cant do anything representative only like I said, offered me a full copy. I couldnt believe this is happening. I am extremely upset that I can not get a full copy of my report XXXX XXXX, they could only tell me what my credit score was over the phone, but that doesnt fix the current problem. The current problem is that my credit score is not been available for years now.
Consumer complaint received 2023-10-23
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. (MD)

**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

**Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : Specific details about the transaction or experience that shouldn't be part of the report XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-07
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. (MS)

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 I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report. 
XXXX XXXX XXXX  XXXX XXXX I want this removed for reporting incorrect information and not providing any information prove who and why this is on my credit report.
Consumer complaint received 2023-10-23
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Consumer complaint received 2023-10-23
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. (KY)

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.

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 2023-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (KY)

The paypal prepaid card is continuously getting canceled by someone. This has been an ongoing problem with most of my credit cards. The law is unwilling to give me a police report for theft for the ftc and the USPS is unwillingto investigate postal theft. The account number is XXXX, my name is XXXX XXXX XXXX and the amount is XXXX.