davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (PA)

These inquiries was created on the listed dates and is not a open account on my credit 15 usc 1681b permissible purposes please send me the documentation that u have use to open these 3 accounts and the documentation with my signature on them that i applied for these accounts XXXX XXXX XXXX.
Consumer complaint received 2023-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX XXXX remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}. 

Nelnet has failed to provide any explanation except that they are investigating. They have been " investigating '' for months with seemingly making no progress on resolution.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX  NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-04-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/24 and XX/XX/24 I called Lowes Credit Card Company My Lowes Rewards and Lowes My Lowes Advantage card was changed to a My Lowes Reward Card. I did not request this I am now being charged a {$190.00} for a paper copy of my bill. I did not agree to this. Their only solution is for me to do E Billing. I do not want to do E billing I prefer to pay my bill with checks I want the card changed back to a My Lowes Advantage Card or to receive paper bill with no fee
Consumer complaint received 2023-07-29
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. (FL)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-25
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)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed on Transunion : XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (FL)

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX,. XXXX  on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX  on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/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 furbish an account without my written instructions.
Consumer complaint received 2024-01-08
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. (MD)

I reached out, via certified mail to the credit bureau, on XX/XX/2023 and XX/XX/2023 regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX  v. XXXX XXXX XXXX XXXX  This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX XXXX XXXX. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (TX)

I have leased from GM financial back in XXXX My lease ended in XXXX. I had no late payment. Not a single day. 

I returned the car and leased a new one.

GM fin keep calling and asking me to pay reposition fee. I have told them that when I leased a new car from them, the representative back then said since you leased another car, this fee will be waved for you no problem.

But GM fin keep calling me and asking me to pay it and just recently they marked my account as late payment. This is very unethical and not fair specially for a customer who been paying without a single late payment for years. 
I have attached proof to show my complaint.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I called XXXXXXXX XXXX, requested internet services to be shut off. XXXX continued billing me for additional months even though service was disconnected. I moved shortly after that several years ago. Now Im getting calls like crazy from sequium asset solutions collection agency. Collections has filed a credit debt delinquency. My dad has had a similar experience disconnecting services and continuing to get billed after the fact. On top of that, XXXX just lost my ssn to some hackers, which they shouldnt have asked for in the first place if you ask me. My ID should be enough to verify who I am.
Consumer complaint received 2024-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I have repeatedly requested the address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX to be REMOVED and provided my 6-generation address of XXXX XXXX XXXX, NY XXXX, to be corrected and remain on the report. All three credit bureaus refuse to acknowledge it.
Consumer complaint received 2024-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (OK)

I disputed two charges last month from a merchant that I cancelled and revoke authorization from charging me back in XX/XX/XXXX. You disputed the charges in XXXX and credited me the money back. I was told you would block them from charging me again since I revoke authorization from them to charge my account. I check my account today XX/XX/XXXX, and yet again there is another {$10.00} charge. The merchant info is below : XXXXXXXX XXXX {$10.00} I contacted you on XX/XX/XXXX and the rep in chat said he/she placed a stop payment/ticket on the debit card charge but it still went through but was told it wouldnt.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-01-08
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. (TX)

These inquiries that I am providing in the attached identity theft profile are not authorized. I have asked these inquiries be removed from my credit profile, but the bureaus have not done what I asked.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upgrade, Inc. (IL)

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : * Account Name : Upgrade * Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-06-09
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. (WV)

I have repeatedly requested a Debt Collection Letter from this Credit Reporting Agency concerning a collection on my credit report. The company name is : The XXXX XXXX XXXX, The address is:XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX The phone number heis : ( XXXX ) XXXX The account number is : XXXX. I repeat, I reques a Debt Collection Letter from this company for the above account as require in the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance for your assistance with this matter.
Consumer complaint received 2024-01-08
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-08
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. (PA)

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-05-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (OR)

I recently discovered that my credit score had plummeted into the poor category. Upon reviewing my credit report, I was shocked to find overdue and late payments attributed to Comenity BankXXXX XXXX XXXX The problem? I never opened this account with them. I have not been to XXXXXXXX XXXX  in over a year and never opened an account. 

The account says it was opened in XX/XX/XXXX - no charges were made until XX/XX/XXXX. Then it says it was charged {$600.00} in XX/XX/XXXX which is the limit. Then more in XXXX, and more in XXXX leading to a huge total amount due of {$1900.00}. 

My husband and I underwent XXXX proceedings in XXXX, and since then, my only financial obligations have been my student loans. 

When I reached out to Comenity Bank, the customer representative 's attitude was less than helpful, bordering on accusatory. Despite my insistence that I never opened the account in question, they remained adamant that I had. Frustrated by their lack of assistance, I requested to be transferred to report the fraudulent activity, only to be left on hold for an exorbitant amount of time before ultimately hanging up. 

My next course of action is to escalate the matter further to ensure that this fraudulent activity is addressed appropriately and immediately. I have never received anything in the mail or a card for this account. I did not know about this situation until Thursday, XX/XX/XXXX.
Consumer complaint received 2024-01-08
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)

The reason for this complaint is because there is fraudulent accounts and misinformation on my credit report. I am unsure of how this happened because I did not do this myself. I placed freezes on my credit report to try and prevent this from happening again. I believe my information was leaked in a data breach or stolen. Regardless of how this happened I should not be responsible for the debt attached to these accounts. I am trying to rebuild my credit but havent been succesful, I ask that you please look into this and help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$7600.00} XXXX XXXX
Consumer complaint received 2023-03-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Be responsible enough for this matter! I am entitled to have an accurate report. Do not waste your time and please immediately deal with this issue. I will be waiting for the result within 30 days as per the law allows. Revise my file and provide me with a corrected copy once available. Thank you!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MD)

Thi credit card was opened on my account on XX/XX/2023, which Im not aware of, on the report it said current owner LVNV Funding LLC with a balance of {$1100.00}. I contacted the credit bureau to let them know about the issue, theyre still investigating on it. Also the credit card company contacted me asking about copy of police report and court documents proving it doesnt belong to me, which I dont have or know whatsoever.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

My name XXXX XXXX I need card number XXXX XXXX XXXX XXXX expire date and year XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX and online bank username is XXXX and I can't close my bank card out and account out and online bank access out when I call to ask them they say both of my numbers can't get a verify code and I told them I don't know my account number and they won't close my account out and my login out for my online banking and debit out they won't close that out too please close all them out for me and send me proof when y'all do etc. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX and Citi Reference Number : XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX XXXX my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX Hello my name is XXXX XXXX what is the updated on my complaint and please also close my account. 
Sent from my XXXX Please call me at XXXX I still need help closing my account out I never received the code in the mail. 

Please close my account and send me proof when it is closed and my contact email is XXXX please email me back.