davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (NJ)

In accordance with the Fair Credit Reporting ACT XXXX Acct # 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 an account without my written instructions.

15 U.S.C 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 2023-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Sometime around XXXX of last year I received a call stating that this person was a debt collector attempting to collect debt called me. He stated that if I didnt pay they would put it on my credit and I wouldnt be able to rent or find anywhere to live. He said I would be living with mommy or daddy for a long time I do not recall him ever stating his name. Also Ive been monitoring my credit and with this company the price keeps rising.
Consumer complaint received 2023-10-13
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. (TX)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE Account Number : XXXX Delete this account.
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: Nelnet, Inc. (NJ)

My loans stayed closed but I still have a balance with interest accumulated. I tried to call multiple times but cant get a live person to explain to me why the account is closed but still have a balance that accumulating intrest.
Consumer complaint received 2023-10-13
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (MS)

We have a loan for a boat with BMO. Our loan was originally with Bank of the West, but it was moved due to a merge. We set up automatic payments through the BMO app and BMO pulled out two payments during the month of XXXX ( payments were pulled on XX/XX/XXXX and XX/XX/XXXX ). We called to notify them of the mistake and they claimed they were not able to fix the issue. They instructed us to call our bank. We did this and our bank stated since we set up automatic payments through their website they would be the ones to fix it. We canceled future payments and instead set up billing through our own bank. We asked for a refund for the overpayment and were told they would mail a check. They stated they could not do direct deposit despite having our account information. We were told the check would arrive within 12 days ( a week for processing and 5 additional days for mailing ). We spoke to them on XX/XX/XXXX. As of today XX/XX/XXXX we have yet to receive a check. We called them to inform them and they state we have to wait an additional 30 days for the check. It feels as though we are being punished for a mistake made by them. The amount of payment was XXXX, which isn't a huge amount, but they are also extremely rude each time we call. When we ask to speak to a manager or supervisor they place us on hold for no less than 30 minutes each time.
Consumer complaint received 2020-04-07
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: Mr. Cooper Group Inc. (NY)

I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX XXXX XXXX  they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for Mr cooper and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WD Global Group, LLC (FL)

A person from WD Global group, name XXXX XXXX called from a XXXX me saying that they are going to present charges with the state attorney on that very same moment if I didn't pay them the amount they were requesting from an outstanding deb from XX/XX/XXXX, The guy was so aggressive and sounded so serious and professional that I give him my bank account information. Next thing I know the bank calls me saying that someone initiated several wire transfers from my account and it looked like it was fraudulent activity.. 
I refused to give him more information and contacted a lawyer, the lawyer advised XXXX XXXX to do not contact me again and to send all information regarding the deb to his office but they refused to do so. 
Then XXXX XXXX contacted my son who is an XXXX Military saying that he will be contacting his commander in chief if we didn't pay {$2500.00} that same day. We contacted the lawyer again and XXXX XXXX was advised again to address the situation formally through the lawyer but instead they started calling me using the state attorney '' s telephone number. They even left a voice message pretending to be from XXXX XXXX XXXX, State Attorney 's office saying that I needed to pay {$6000.00} dollars that same day or I was going to be arrested. 
Today, XX/XX/XXXX. They Called my son again saying that there is a arrest warrant against and they will take it of if we pay the money. 

They keep calling and being very aggressive, I landed in the ER a few days ago after a discussion with XXXX XXXX.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XXXX XXXX Hello, Sunday, we purchased a cat on XXXX XXXX XXXX   XXXX Phone number : XXXX We signed a contract We paid with XXXX XXXX XXXX XXXX - Zelle to XXXX ( XXXX XXXX ) Then, the transporter ask us to pay an additional insurance {$1000.00} XXXX XXXX XXXX XXXX + XXXX ( XXXX ) XXXX and then we check on XXXX ... and it's a scam XXXX XXXX XXXX so second time we tried to buy a kittens only, and it was a scam Then we reached XXXX XXXX XXXX XXXX, who told us they have to block our accounts and create new ones and that they can not refund us, but we have to contact Zelle. 
Of course, Zelle is asking people to reach the bank ... the ping pong play can begin! 
XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, datedXX/XX/XXXX that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

DLSTFDXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFDXX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXXDLUNST XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFD XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNST XX/XX/XXXX Approved : General Forbearance XX/XX/XXXXXX/XX/XXXX DLSTFDXX/XX/XXXXApproved : Delinquency Forbearance XX/XX/XXXXXXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXX Approved : Delinquency Forbearance XX/XX/XXXX-XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXXAs  you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments fromXX/XX/XXXX- XX/XX/XXXXbe updated and/or corrected and removed to accurately reflect my payment status.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (GA)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-13
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-10-13
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (FL)

On XX/XX/2020, Wednesday around XXXX I received a call about a new card I had a application at US Bank in ZIP code XXXX phone number XXXX. A Mr. XXXX with the XXXX XXXX XXXX. was rude and unprofessional and disrespectful towards me in his questioning me on a new XXXX XXXX application. He ask me for my college degrees to see if I was really a XXXX. This was nothing to do with my income at all. He first said I can email the things he needs, then stop then told me to go to the bank to have them email the paperwork to him. He had no corners about my health with the virus out there.
Consumer complaint received 2024-04-05
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. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Great Marten Holdings, Inc. (TN)

I have been trying to contact this company in regards to being able to log into my account. 

The website that generates on XXXX has no option to log in. 

There are no telephone numbers listed on their website. Only a mailing address and an email address. 

I feel like I have been scammed. I did receive the money into my account, but there is no way to monitor my loan payoff progress.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (MI)

I was notified via my XXXX account on XX/XX/2018, that there was an account in collections. Through further investigation i.e. me calling the collection agency ( PERFECTION COLLECTION ) as well as the company ( XXXX ), I found out that the individual who opened the account is a family member who stole my identity. I've sent both companies copies of my Michigan State drivers license as well as a police report I filed. I've also sent PERFECTION COLLECTION LLC a copy of my United States XXXX orders as proof of residence in XXXX at the time the account was opened. No one has reached out to me on either parts. I've called both companies multiple times and they have done nothing to remedy this situation.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian, and XXXX ive requested for a Full Disclosure Report from all XXXX major bureaus! And can not get them. They cant verify my identity if what they are saying. I cant get into my XXXX  account nor My XXXX online account. Experian I found a digital account under my name.I want access to everything on each report!
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VALLEY NATIONAL BANCORP (NC)

On XX/XX/XXXX I put thru an external recurring transfer of {$160.00} into checking acct. On XXXX I received an email from valley stating the funds would be in my XXXX  acct in NC on that date. I waited that day it never came. On XXXX I called valley and they said transfer would take place in XXXX. I said I couldnt wait that long. I was walked thru the procedure to do another external transfer for one time only and then after that went thru to cancel the recurring transfer. I did exactly what the rep told me. On XXXX I checked my valley acct and saw the {$160.00} was taken out but it wasnt in my XXXX  acct. I also saw that another {$160.00} was taken out of my acct which only had a balance of {$7.00} along with a {$30.00} overdraft fee. This left my acct with a negative {$180.00} balance. I immediately called valley and spoke with XXXX who said she would straighten out. A few days later I received two transfers of {$160.00} to my XXXX acct. I did not get the {$7.00} balance nor a chargeback of the {$30.00} fee. I never heard of any back approving 2 {$160.00} transfers when there was only {$7.00} in that acct. I proceeded exactly as the valley rep told me and due to her incorrect info was charged {$30.00}. I told valley if I didnt receive the {$30.00} by XX/XX/XXXX I would file this complaint. I had to write a check from XXXX for {$190.00} and mobile deposit in my valley acct in NJ because valley told me I would continually get recharged {$30.00} until the acct had a positive balance. I cant understand why valley wouldn't have emailed or texted or called to inquire. Why would I try to take {$160.00} out of an account that I just received {$160.00} from knowing the balance was {$7.00}. This is ludacrious.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 9th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX