davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX paid XXXX and on XX/XX/XXXX paid total balance on XXXX XXXX. Closed account after payment. Now being charged interest for previous month AFTER balance was made BEFORE new billing cycle. They are charging after my debt is paid. There is something seriously wrong with the billing system when you get charged interest after you make full payment. I honored and paid off this debt and do not understand why I am being charged extra. I chatted with XXXX on XXXX with no resolution. I advised that I was not happy and wanted this charge removed. I wanted to speak with a manager but was advised this would take up to 24 hours. 

CC BARCLAYS BANK DELAWARE XXXX XXXX AADVANTAGE AVIATOR CARD XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (MI)

Nelnet your reply is misprsentative. sending a billing statement means Collection. I am not enrolled in a new fresh start program and do not want to be enrolled in a new fresh program. Nelnet your contract with the U.S. Department of Education does n ot start until XX/XX/XXXX. Nelnet contract is to service student loans that are owned by the U.S. Department of Education. The U.S. Department of Education also owns Federal Family Education Loan Program FFLE student loans. Nelnet tell me if this loan is owned by the U.S. Department of Education dated XX/XX/XXXX. 
Nelnet you wrote under the Freedom of Information Act you are required to validate the debt but I do not see the federal lender name who orginated the federal consolidation education code.

( 1 ) Under the Freedom of Information Act for your fruadently federal consolidate loan student loan send me the federal lender education code who orginated the federal consolidation .on XX/XX/XXXX and the federal lender orginator address and phone number and website. 
( 2 ) Send me the lender name who received the distrubition amount of {$49000.00} on XX/XX/XXXX. 
( 4 ) Nelnet you wrote the note was completed under the Electronic Signatures Act Global and National Commerce Act under the Act .Nelnet is required send the ESign Contract. 
( 5 ) Nlenet you wrote for me to look into the National Student Loan Data System ( NSLDS ) Nelnet look into the NSLDS dated XX/XX/XXXX it says DEFAULTED, UNRESOVED. 
On XX/XX/XXXX DEFAULTED, COLLECTION TERMINATED. 
( 6 ) Nelnet send me the letter for the U.S Department of Education reading the fraudulent federal student loan was in the Fresh Start Program without my permission. 
( 7 ) Nelnet send your license number to service this fraudulent federal consoldation loan as of this dated XXXX XXXX, XXXX. 
( 8 ) Nelnet who is the guarantor of this fraudulent federal student loan dated XX/XX/XXXX. 
( 9 ) Nelnet on the fraudulent federal student loan what address did I live at XX/XX/XXXX. 
( 10 ) Nelnet why do you illegal use the word ED behind your name the other servicers do not? 
( 11 ) NELNET LISTEN TO ME I AM NOT GOING TO PAY ONE PENNY ON FRAUDULENT STUDENT LOAN. STOP SENDING ME BILING STATEMENTS FOR COLLECTION. I WILL NOT BE FILLING OUT YOUR DISCHARGE FORM BECAUSE YOU ARE IN ILLEGAL CUSTODY OF THE FRAUDULENT FEDERAL STUDENT THAT WAS TERMINATED BY THE U.S.DEPARTMENT OF EDUCATION.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

XX/XX/XXXX. I deposited {$2000.00} to my XXXX account. At that time I was informed that I would have access to the funds by the XXXX. 
XX/XX/XXXX. I called Chime to ask them to expedite the deposit. They then said they accepted the check but they were not releasing funds until XX/XX/XXXX. I asked them to cancel the transaction. 
XX/XX/XXXX. I contacted Chime. They said that they can not cancel the transaction and that they would release the funds XX/XX/XXXX.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

Last year on XX/XX/XXXX  a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (WV)

Last year on XX/XX/2022 a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG TO ME!
Consumer complaint received 2021-08-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-10-11
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)

On XXXXXXXX  and again on XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. It has been over 30 days later and I have not received a resolution yet towards these violations. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report. it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX and XXXX XXXX data breaches and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2023-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

On XX/XX/2023, I bought a {$100.00} Vanilla gift card from XXXX with the intention of giving it as a gift. However, the intended recipient informed me that they couldn't activate the card. They reached out to customer service, only to be informed that the card was invalid. 

On XX/XX/XXXX, I contacted the company regarding this issue, and they instructed me to provide proof of purchase, as well as images of both the front and back of the card, along with a copy of my driver 's license. They furnished me with the incident number XXXXI promptly submitted all the requested information. I made multiple follow-up calls, but received no updates on the status of my case. 

Now, more than 30 days have passed since the initial contact, and I am seeking a refund of both the purchase amount and the activation fee. It's clear that my funds have essentially been withheld, and it appears they are unwilling to address this situation appropriately.
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (GA)

On XX/XX/2013, this debt for {$1100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-10-11
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. (IL)

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 Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-11
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TN)

I did not authorize the following on 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
Consumer complaint received 2023-10-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

In XXXX of this year, I received an email saying there was a change in my credit report. I logged into my account to find that Experian reported that our bank flagged our mortgage 180 days past due. I immediately contacted my bank and was told that this was not true as weve never missed a mortgage payment and that the issue is with how Experian is reporting it. As a result, my credit score decreased XXXX points. Fast forward a few weeks and Experian again flagged our account as XXXX past due, which to this date has been dinged on my credit report XXXX, all of which arent true. I was given my points back, but then later XXXX points were deducted from my credit score, that of which have not been given back and Ive actually had more subtracted since this time. I opened a dispute with Experian and they didnt resolve the issue. I opened another dispute and again nothing has been resolved, nor have I had any follow-up. My bank told me last week that everything should have been fixed, but after logging in, nothing has changed and everything still looks the same. This has been an ongoing issue for almost 2 months and mine and my husbands credit reports have been essentially ruined by inaccurate reporting and Experians unwillingness to resolve this issue in a timely manner. I want our accounts to be returned to what they were before Experian inaccurately reported this information because again, weve never missed a mortgage payment, but are being negatively impacted as a result of this.