davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC (AL)

I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX  of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX   report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX. 

I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely. 

I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me. 

I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report. 

On my credit report they list themselves as : XXXX - XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2017-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ad Astra Recovery Services Inc (TX)

Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Consumer complaint received 2023-01-09
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: Experian Information Solutions 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 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 an 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 1681 s-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. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXXXXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit. Theyre essentially holding my credit score hostage and asking for $ XXXX ransom. Why should I be out {$3600.00} plus the interest and fees accrued while I fought this? Because I dont want to be a victim? That's XXXX.
Consumer complaint received 2024-04-05
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-19
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-04
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. (NC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

They have continued to charge me interest during deferment periods, have added bulk charges to my balance, and also charged me interest during the federal freeze period for Covid-19. I want this unethical practice to be identified by the courts and to be cleared of any debt burden with Navient moving forward.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. I'm looking forward that these will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
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: EQUIFAX, INC. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CO)

LexisNexis Continues to report that my social security is not mine in spite of me furnishing my social security card and w9, they also report that i have an at fault accident on m clue report that is not accurate and they have been contacted by the insurance company and i have sent them a letter from the company showing that it is not mine.
Consumer complaint received 2023-02-16
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. (IN)

This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I was charged over hundreds of dollars on overdraft fees. Had tried at the time, but rhe bank same nothing can be done. As enormous time my check was frozen until mid if the upcoming week, " for funds to clear. '' A total disaster as i left the bank with a mindset to " never '' use wells fargo again.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (TX)

I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/2023 Creditor : LEWIS MCDONNELL & ASSO I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
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: EQUIFAX, INC. (GA)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX  on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that 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 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 remove these items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$82.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-19
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: PENTAGON FEDERAL CREDIT UNION (NC)

I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Consumer complaint received 2023-09-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

When I opened the CD online, they took the money immediately from my account. But when the CD matured, I had no option online to close it and not renew it. I had to call them to tell them to close the CD and not renew it again. 
They would not deposit the money back into my account immediately as they took it immediately. They said they will mail a check. Two weeks later, the check came in damaged and my bank could not take it because the routing number was scraped off. I have been calling them now for over six weeks and they still havent sent me the check For the two months period they've held my money, I have lost over {$4000.00} in interest income had they deposited the money back into my account.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed certified letters to Transunion and XXXX on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXXXXXX XXXX who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. 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. 

Account name : XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX ( formerly XXXX ) # Unknown, 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 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 2023-03-26
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. (GA)

I have presented my consumer report to all three credit bureau and no one has responded or remove the issue with the proper documents that I mailed off.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : DEPTEDXXXX  Account NumberXXXX Account Name : U S DEPT OF EDXXXX Account Number:XXXXXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (AL)

I had a title loan with titlemax in 2018 the interest was extremely high that I couldn't pay for my rent or food. I was already low income My Dad was XXXX I feel like the interest Robbed me out of my vehicle. The interest was over XXXX but my car was worth XXXX at that time.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I purchased a new car with XXXX XXXX. In XXXXXXXX XXXX, we went to make our first payment on the new car. XXXX returned out money 4 times. We tried calling, talking to them, sending in the payment it it kept getting returned with no explanation. After the 5th attempt, they said we were attempting to pay online incorrectly. Nothing was wrong with our method of payment, the money was there and somehow it was rejected on our first payment. Ally claimed we needed to set up a profile after our 5th attempt. 
This has effected our credit so majorly, that we called again and XXXX told us they would remove the late several times and still have not. This was not something that should never have happened to us, I have never been late on anything in my life, and this was ridiculous. We have made out payments on time ever since. This should have never happened to us.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Called XX/XX/XXXX to Ed financial because my payment amount was showing {$730.00} after coming out of forebearance. They resubmitted for a graduated extended repayment plan and said my payment would be {$360.00} a month to start. It would take 10 to 14 bus days to process this request. Called again on XX/XX/XXXX as payment amount still not updated and they said actually takes 16 to 21 bus days to process and should be done soon Called again on XXXX  and said they were submitting to higher dept for review because they don't know why it hasn't updated. Was told to not pay while working out but I'm concerned with it being past due. That doesn't look good on history. Still no resolution.