davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2024-01-15
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. (CA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

My credit report includes the following erroneous information that needs to be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

This is the THIRD complaint I have had to make regarding getting my automated payments to process correctly. I CONTINUE to be put on auto deferment despite attempting SEVEN ( 7 ) times to permanently opt out since XXXX of XXXX. 

In XXXX my XXXX application was finally processed, but it was wrong. I then spent XXXX ( XXXX ) hours on the phone in total talking to two ( 2 ) representatives. I was first told I didn't qualify, and that NELNET was a new company, despite it being decades old. The second time I was able to get it reprocessed. At that point, I was notified my repayments would start in XXXX, despite me asking for them to restart immediately, as I had tried for over 7 months prior. 

Today, XX/XX/XXXX, I went to recheck and confirm my payments would start this month to see that I was AUTOMATICALLY placed on deferment AGAIN!!! 

I have been told every single month from XXXX, and again in XXXX, that I would be opted out of auto deferment and my automatic repayments would resume. Today, XX/XX/XXXX I had to AGAIN request I be PERMANENTLY opted out of automatic deferment. 

I have since missed 4 auto payments which puts me behind 4 months for Public Service Loan Forgiveness that should have hit 120 payments in XXXX of XXXX...
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I cosigned a vehicle financed with NMAC, who promised to report monthly accurate and complete loan information of customers to the three major credit bureaus. I recently discovered that there are no loan installment payments being reported by NMAC as promised. Nissan Motor Acceptance Company LLC failure to report has and continue to cause me harm.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MI)

How is ED Financial still responsible for all of these student loans when they can not manage any of it? 

My loans no longer show in their system but show everywhere else as belonging to them. 

Previous payments have been made and accepted, but also do not show in their system. 

Multiple attempts to contact and resolve go nowhere. 

No one responds to the multiple emails sent. Calls state a wait time of several hundred minutes and disconnect. There is a recording stating to push 1 to get a call back at your place in line but does nothing if you press 1. 

Attempts to use the online chat feature supply a link to a page that says the chat is not available.
Consumer complaint received 2023-06-19
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: LEXISNEXIS (GA)

I opted out of reporting from Lexis Nexis through its information suppression program, but this consumer reporting company continues to illegally report inaccurate information. This Opt request was confirmed and successful by Lexis Nexis onXXXX.
Consumer complaint received 2024-01-15
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$370.00} Date Opened : XXXX XXXX XXXX XXXX Balance {$320.00} Date Opened : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

In XXXX of XXXX, I used the self-serve online to set up an automatic bill pay for my mortgage with San Diego County Credit Union . It was an outside company and it was a difficult process. Took over three months, not a good system. I tried my home computer, my work computer, the library computer with no success. I finally was able to set it up via a phone. In the meantime, I accidentally signed up for something called bill pay at the SDCCU to pay this mortgage having tried everything. 
Three months later, they started charging me {$4.00} a month. I was not using this account due to extreme duress ( medical issues, XXXX, hospitalizations, XXXX  ). To simplify, I was using only one account. It was difficult to do much until I could have hand surgeries. I finally was able to sit down to consolidate accounts and the home loan changed hands so I had to resign up for auto pay. I noticed an unexpected charge! They had started charging me {$4.00} a month three months after I signed up for bill pay to pay my mortgage ( which was actually farmed out to an outside agency and not through SDCCU ). 

1. I did not receive a notification or warning that I would be billed due to inactivity. 
2. I did not want to enroll in this program, I was trying to sign up to pay mortgage. 
3. This is trickery, deceptive and an underhanded sneaky way to get patrons to pay fees. Think of signing out of XXXX and getting enrolled in XXXX. Same here. I was scolded when I spoke to the manager XXXX, for not checking my account. I had no reason to check it, I was not using it and was under medical treatment and family duress. Also had a family member with XXXX. 
4. XXXX said it is in the contract. I said it was in fine print and there was not notification or warning that I would be getting fees for inactivity for a program I did not want to be enrolled in.
Consumer complaint received 2024-01-15
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)

I have contacted the credit bureau of this inaccurate information to be removed and the court order attached from the court of the alleged debt was dismissed without judgment of {$0.00} because it isnt mine. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
Attached is the court order from XXXX XXXX XXXX house.
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a complaint against XXXX XXXX regarding discrepancies in the reporting of my account. I have submitted disputes for the account in question, disputing the accuracy of certain information. Despite my efforts, XXXX XXXX has responded asserting that the information is verified and accurate. However, I have observed significant disparities between their reported information and that of XXXX and Transunion. 

The discrepancies that I am disputing include : Account Status : XXXX XXXX reports a different account status compared to XXXX and Transunion. The accurate account status must be promptly reflected to ensure fair and accurate credit reporting. 

Date Opened : There is a notable variance in the reported " Date Opened '' by XXXX XXXX compared to XXXX and Transunion. It is imperative that the accurate date be reflected for proper credit assessment. 

Date of Last Activity : The reported " Date of Last Activity '' differs between XXXX XXXX and the information provided by XXXX and Transunion. Ensuring the correct date is crucial for an accurate representation of my credit history. 

I have attached supporting documentation, including the responses from XXXX XXXX, as well as the corresponding information from XXXX and Transunion. The evidence clearly demonstrates the inaccuracies in XXXX XXXX 's reporting. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that XXXX XXXX rectifies the inaccuracies in their reporting. I am seeking the removal of the discrepancies mentioned above to maintain the integrity of my credit report.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PR)

I was not informed at the time that I could request a free cellular phone from XXXX or any governmental agency because I was unemployed and in Medicaid/SNAP Benefits. 


Therefore, I was set-up in a fraud to go to XXXX to request what I was told it was a free phone line and now I had been billed.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " XXXX XXXX XXXX. '' Please conduct a thorough investigation and update my credit report accordingly.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. Please remove these item from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-04-10
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: Experian Information Solutions Inc. (MD)

I would like to dispute the following items off my credit report : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (MI)

Original creditor was an ambulance company that did not bill my insurance even after multiple phone calls to them asking them to bill my insurance that was on file. Almost 4 years later, I get notified that I was in collections for that ambulance bill that was never billed to insurance. This time it was a new debt collection agency that purchased the debt from the original creditor.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

I am an authorized user on my husbands account. A s Ive already filed a complaint before that I disputed the address on the accounts not the accounts they remove my accounts and once fixed and was able to open the accounts back up My credit still not showing the cards being reported as Ive spoke to XXXX XXXX and they advised me that the cards are being reported and I know they are because I look and they reported on my childrens and husbands credit just not mines. I called and complained the the credit bureaus and they still will not report accurate information and causing my credit score to be lower than it actually is.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-15
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

my credit report should reflect my current address which i resided over 10 years. experian has not updated my report to reflect only that address however i reached out to XXXX and XXXX  both updated my personal information to reflect the correct information. only experian has not complied with the FCRA. I have included again a notarize letter signed by a notary attesting to fact that I live at my current address and to remove the other addresses on my experian account specifically XXXX XXXX XXXX in virginia and the po box on new york needs to be removed as well. i will up load documents to support my dispute.
Consumer complaint received 2023-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-05-03
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. (FL)

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by TransUnion. Specifically, TransUnion is reporting a 30-day late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to XXXX XXXX  Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

It has come to my attention that accounts accompanied by an FTC report are not being removed, despite this being mandated under FCRA section 605b. Should the accounts listed below, which are inaccurately reported due to fraudulent activity, not be removed, I am prepared to initiate legal proceedings through my attorney. My preference is to avoid legal action, so I urge compliance with the law. The accounts in question, opened fraudulently without my consent or knowledge, include : XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX. If these accounts are claimed to be accurate and verifiable, I request copies of any related documentation bearing my signature, which I believe does not exist. Without such documentation, I formally request the immediate deletion of this information from my credit file. For your reference, my new FTC number is # XXXX.