davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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)

I have not supplied proof under the doctrine of estopper by silence. XXXX v XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (GA)

On XX/XX/23 I placed an order through Afterpay for some items from XXXX. After pay breaks your payments down into 4 payments 1st the deposit with comes out immediately then 3 additional payments. The problem is all the items were not paid for, therefore I am unable to receive them. I have been trying to contact Afterpay for days with no success. I have also contacted XXXX several times who said its nothing they can do, and they dont have a contact number for Afterpay either. Why is such a company in existence thats not mandated to communicate with vendors, and customers yet they are allowed to withdraw funds out of your account thats not owed?
Consumer complaint received 2023-11-02
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. (NY)

After reviewing my Equifax consumer report, there is nonpublic information being reported in my consumer report that is a result of identity theft. I never gave written permission/instructions for these companies to report this nonpublic information in my Equifax consumer report. Equifax never even disclosed to me that they received a request from such companies to report this information in my consumer report. Below I name the information that is result in identity theft XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-25
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. (GA)

There are two accounts and inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquiry from XX/XX/2022. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-04-23
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)

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. 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

This account in particular has been my collections for over a year now I've been trying to get it out of my collections. I even took the initiative to pay the balance even though they were trying to charge me double what I was loaned. Both XXXX  XXXX. And capital one or both set up, paid in full, and should be removed out of my credit immediately.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On Saturday, XX/XX/2024, I received a notification on my phone saying that XXXX had had charged my credit card and they were not authorized to do so. I immediately contacted USAA Federal Savings Bank to report it and to file a dispute. I spoke to several representatives who assured me that the dispute was going to be submitted to the proper dept. The Dispute sat idle without anyone 's review for 3 days until I call on XX/XX/XXXX to follow up on it. That very same day I was told that it was not assigned to a Dept as of yet. I was then placed on hold for 10 min without anyone else coming back on the line to inform me of what the outcome of my request was. I spent 3 hours on the phone with no progress. Again, I was told that it was submitted and it actually was not. After asking to speak with a Supervisor, I was placed on another 7 min hold to then be told that they had to transfer me again after which the call was disconnected and I has to call back again and repeat myself all over again. After speaking with a Representative in the Member Resolution Team, she pretty much sounded like I was bothering her and didn't care to here my complaints about why my dispute is still still in queue. At this time, my Checking Account is in a negative status because of the current Dispute. On Tuesday, XX/XX/2024 I called back again to find out the status of the dispute because I still didn't see a response on the status. I was yelled at by one of the USAA Representatives who was very unprofessional and she too disconnected the phone during our conversation and me trying to get info as to what was going on with my account. On Thursday, XX/XX/2024, I woke up to overdraft fees in my checking account due to the dispute which cause my account to be overdrawn and they refused to remove the overdraft fee although they didn't notify me that Overdraft Fees were now back again because at one point they took it away and said they will no longer be charging members overdraft fees. So I called USAA again at XXXX EST again and spent 1 hour on the phone to find out about some merchant refunds that was being deposited into my account but I was not able to get any more because the money was all being eaten up because of the Account being in a negative status. I asked if I can get my refunds back and the Rep was rude and said not until the Dispute is completed. I was also told that someone would call me back after filing and no one has returned my call as promised.
Consumer complaint received 2024-04-23
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

My name is XXXX XXXX and I am writing to you today to file a complaint against Navient. I called Navient on XX/XX/2023 at XXXX XXXX. The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX XXXX XXXX XXXX XXXX ( XXXX ), defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient Customer Service representative when I called was that the loans are still in repayment, that they arent government loans and so do not qualify for forgiveness due to an institution being discredited. The Navient representative did not provide any other information in response to my asserting of this complete defense to repayment. 

I sent a written summary of this call by email to the general Navient account as well as to the Navient office of the Customer Advocate. I received a response from the XXXX XXXX XXXX XXXX XXXX dated XX/XX/2023. ( I have attached a copy ). In this letter, the Customer Advocate XXXX XXXX explained, among other statements, that private loans are not eligible for the Department of Educations Defense to Repayment Discharge Program. I believe there is a problem with this response and there should be a process for providingme with more information and relief. Further, since making this call they have emailed me twenty two times with payment reminders despite my defense to repayment. 

Having attended XXXX has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress. I lived for years with my family to ensure I could make payments and could not afford my own home. I have had to pay exorbitant interest rates all while the school XXXX was cited for numerous legal violations, leading to closure. 

One of these loans can only prove I took out XXXX, they claim the school called to request to add funds but have no paperwork to corroborate that claim. I now owe around XXXX on that loan. I have already paid a total of XXXX on that loan. The other loan is also predatory. I took out XXXX, have paid XXXX and still owe XXXX.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (MD)

XX/XX/XXXX I received a letter from the Borrower 's Defense stating that all XXXX of my loans ( which was all of them listed on the letter ) were forgiven and discharged. Then recently I received a letter which stated that I owed {$8.00} ( Account XXXX Statement date XX/XX/XXXX ) but when I called the Nelnet number on the letter it was saying that I owed a little over {$55.00}. I spoke to a representative and at first she kept saying that there was still a claim on XXXX of the loans but once I gave her the date of the letter from Borrower 's Defense she then stated that they were just probably moving slowly on processing to release those loans because they had received notification that all loans were forgiven/discharged. She also stated that I was owed a refund in the amount of {$2300.00}. She suggested that I call the Borrower Defense and I did and they stated that they don't know what the balance is coming from but it is Nelnet trying to charge me {$120.00} but they can't tell for what loan. I told them that I only had XXXX loans and they were all forgiven so I don't know where that is coming from either. I am consistantly receiving emails, text messages, etc. stating that I owe something but that isn't correct.
Consumer complaint received 2024-04-23
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. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-09-26
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. (TX)

D

ates are attached with documents uploaded. According to 15 u.s Code 1692c- c, I have the right to dispute any and all debt you claim I owe. Please provide verification of debt with a copy of application, contract agreement, and proof that you owe this debt. 15 u.s Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items immediately.15 U.S CODE 1681n-they are accessing my report without your permission and that is a violation. Pursuant to 15 USC 1681n, I am entitled {$1000.00} per violation.

These accounts should not be furnished on my consumer report as they are in violation! under 15 u.s code 1681b- permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer. No consent is identity theft. As a consumer I am demanding the deletion of all accounts listed immediately. 15U.S code 1681 all non compliant, incomplete, untimely, untrue, inaccurate or alleged accounts be completely deleted immediately.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 & block any items which are found to be opened due to identity theft. Please block/remove these files. 

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 2023-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (ME)

I called back about a debt, XX/XX/23 the person gave me extreme attitude and I said it wasn't necessary and they hung up on me. I've called back multiple times ( 5 ) and been hung up on. Can't pay a debt that I can't get info about in a decent fashion.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

Nelnet cashed the check but won't credit my account. Amount of {$2000.00}. They just email asking for past amount and interest. I called and waited an hour and a half with no answer. Emailed three times with no answer.
Consumer complaint received 2024-04-22
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. (NY)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : account name XXXX account number XXXX Accont name XXXX  account number XXXX Account name XXXX XXXX XXXXXXXXaccount number XXXX Account name : XXXX XXXX account number. XXXX. Account name XXXX account number XXXX Account name XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXX XXXX XXXX XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My Credit profile has been breached by some unknown entity, I discovered that some inquiries that I did not know about were placed on my credit report, I am requesting the following inquiries to be removed from my credit report because i do not know anything about it and this violated my consumer rights. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

I use to bank with Regions in the years of about XXXX. I emailed corporate as well as spoke with customer service representatives about my account constantly going into the negative and inquiring overdraft fees. I always calculated my balance whenever I would spent or withdraw money. It became apparent to me that the bank was committing some type or fraud or had to be experiencing some sort of glitch in their system. After reaching no resolution I decided to walk away and bank with someone else.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-04-29
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Account Name : XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.