davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to XXXX XXXX about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to XXXX on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.
Consumer complaint received 2023-12-22
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: First Technology Federal Credit Union (OR)

There is a late payment showing on my account which was a result of issues with my personal checking account and the online payment portal for first tech not working. I have never had a late payment and this should be reversed and not on my credit
Consumer complaint received 2023-12-22
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: OneMain Finance Corporation (GA)

{$7800.00} One Main Financial - Disputed Information and they did not remove from my credit report XXXX # XXXX - Account Number XXXX - Disputed information and it was not removed from my Credit Report
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (GA)

My credit card -First Progress, which was advertised as a credit repair and rebuild type credit card closed my account XX/XX/XXXX, took my security deposit and applied it to the balance XX/XX/XXXX. At the time I was XXXX payments behind, but I informed them that I had moved, had to find a place to stay and this was the reason I was behind. I had this account for almost XXXX years this was the only time I experienced this Challenge. I found out my account was closed after seeing my credit report, which they reported all this information to the credit bureaus but never called, sent a letter, nothing. When I called to get an understanding of this decision. NONE WAS GIVEN, they were quite rude and unprofessional, they advised me they didnt have to provide a reason. I came to know first progress thru XXXX XXXX and they were billed as a credit repair and rebuilder. Which I quickly found out it was more about the fees and interest. They were not as advertised, they made it difficult and costly to make payments to them, pay by phone {$27.00} you can mail which sometimes made things worse, by not getting their on time. They really hurt my credit and didnt really communicate very well me. They didnt have any empathy for my situation and are quite rude and unprofessional over the phone. My last payment of XXXX cents which was supposed to be zeroed out because they waved their membership fee {$49.00}. After I called in they advised me my balance was XXXX and sent another bill with XXXX cents and required me to send a payment of XXXXXXXX XXXX and they havent updated my credit report advising my balance is paid in full.
Consumer complaint received 2023-05-01
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. (NC)

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MO)

My loans transferred from Great Lakes to Nelnet. I have tried multiple times to set up auto debit ( recurring payments ) with nelnet. My nelnet online account shows I have these auto debits set up to pull on the XXXX of each month, but they never pull the funds. 

By the XXXX I get a letter from nelnet stating my financial institution couldnt process the transaction. Thats a lie. Ive called XXXX XXXX  and verified. I have sufficient funds in the chase account. I have verified with chase that nelnet never even attempted to pull my XX/XX/2023 or XX/XX/2023 payments. My 1 time payments using the EXACT SAME account information go through just fine. 

Using auto debit payment is supposed to give me a small interest deduction. Nelnet is not even attempting to pull the auto debits and they are screwing me out of my interest deduction. XXXX has verified there are not holds on my account of anything else awry on their end. I have submitted complaints to the US dept of education and Nelnet. I have not received a response as of yet. I have tried to call nelnet on multiple occasions. I can not ever get anyone on the phone. Their chat bot is not equipped to handle my complaint. 

All my loans are from XXXX XXXX. I am a XXXX  with a XXXX. Their website is intentionally difficult to use, and there is no doubt in my mind they are doing this on purpose. This is predatory. I WANT to pay my loans on time. It shouldnt be this difficult to give them my money. If I have difficulty navigating this system, I cant imagine who would find it easy.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AutoNation Enterprises Incorporated (CA)

A vehicle was leased through CIG Financial through XXXX XXXX with my identity. 
The vehicle was an XXXX XXXX XXXX Leased in XXXX XXXX The car was repossessed in XXXX Other names on the account were XXXX XXXX, and XXXX XXXX XXXX as my father ) I have no knowledge of any of these individuals. I was told by a representative at CIG financial to fill out this form. This information was provided through CIG Financial
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (MO)

Credit Karma assured me that I would get a credit card when what really happened was I was denied because of my my credit score and it went as a bad mark on my credit report because this company pulled up my credit history without my approval. I have been getting spam from credit karma and a bunch of other loan and credit card places through my my mail and email.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

The companies primarily of concern are 1. Equifax, XXXX. XXXX, and 3. XXXX. 
Theyve reported several egregious inaccuracies, so egregious that Ive hired several credit repair agencies to help. However, my concern is these agencies, in order to remain profitable, they require clients over a certain term. I recently paid off a two collections ( XXXX and XXXX XXXX XXXX via XXXX XXXX ( one of which is not labeled a collection in XXXX ) ) ; and a major charge-off ( XXXX XXXX via XXXX XXXX XXXX ) that was close to 8 years old ( 7 years and 10 months ). 
Equifax has especially been problematic because they, for some insidious reason, display a duplicate of the same XXXX account I just settled and closed. Ive submitted the settlement letter indicating the status of this account via several disputes, spoke on the phone for 20+ minutes with various Equifax representatives, and offered to provide and/or establish a telephonic meeting between XXXX and Equifax XXXX which was expectedly declined. 
Ive done the work and made some difficult choices to correct my financial health. My job has limited me from certain aspects and tasks. I need these credit bureaus to do their due diligence in reporting, just as I have and still do on XXXX XXXX in serving and protecting this country.
Consumer complaint received 2023-12-12
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: Continental Finance Company, LLC (TX)

This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have inaccurate account 's on my XXXX, Equifax, XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Consumer complaint received 2022-12-20
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. (MO)

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 Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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 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 2023-12-12
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)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Delete late payments from XXXX XXXX XXXX XXXX FROM XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under XXXX XXXX XXXX - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. XXXX ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section XXXX of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of identity fraud XXXX. Fair debt collection practices act XXXX XXXX violations XXXX. Fair reporting act XXXX XXXX violations for willful noncompliance XXXX Civil liability for willful noncompliance XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX 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 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MS)

THE BANK OF NEW YORK MELLON has failed to perform their duties as indenture trustee for XXXX XXXX XXXX. By doing so all of my accounts have been unlawfully closed. I have sent registered securities along with letter of instruction to the trustee which have not been processed and correspondence has not been given to inform me as the rightful bearer of the status. All 8 of my lines were closed unlawfully due to none of my book entries on the accounting side not being properly credited to any of my accounts. This is unlawful pursuant to UCC 3-303. VALUE AND CONSIDERATION was never received on my end. I gave XXXX XXXX XXXX securities that were turned into receivables for their financial gain, so what benefit did I receive? XXXX XXXX continues to profit from those securities but have closed my lines which hinder my ability as a consumer to maintain all of my household purposes. If they claim that I never paid my account, in an attempt to operate in good faith I sent instruments for full satisfaction of every account via registered mail which was received by their Trustee BANK OF NEW YORK MELLON on XX/XX/2024. The registered securities along with a notice for securities fraud was made to the attention of XXXX XXXX XXXX, Vice President of BANK OF NEW YORK MELLON. The registered securities were to be accepted as payment and pursuant to UCC 3-603 and 3-604 refusal or destruction of these instruments will result in the automatic discharge of all debts due to noncompliance. USPS tracking number for the registered securities recieved on XX/XX/2024 is XXXX. I have also emailed the legal department for BANK OF NEW YORK MELLON per the instructions given by their representative after she read a false and misleading disclaimer that states that they are not responsible for my securities as a private investor. This disclaimer which is false and misleading was given on XX/XX/2024. The email correspondence was sent at XXXX XXXX XXXX XXXX XXXXXXXX. No response was ever given. I also sent the same email prior to this date on XX/XX/2024 to XXXX XXXX at her email address listed on the SEC filing at XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of XXXX to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-04-15
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (CA)

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The credit reporting agency Equifax is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of 15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.
Consumer complaint received 2020-12-30
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. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.