davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OR)

Belief has twice refused my payment for students loans. Takes over 12 days after confirming my payment for them to send me a past due notice. Than threatening to take my account to collections if not paid within 30 days. 

I am unable to pay my loan, because Nelnet keeps approving, then revoking my payments saying it is my financial institutions issue. XXXX XXXX  has not received any contact in my account from nelnet, I can not see a transaction come up in my chase account while nelnet says is approved. 

Please help, this is creating an unreasonable burden for me and many borrowers. The stress of being threatened to be taken to collections after getting confirmation of payments twice is unjust, and threatens all students with nelnet servicing
Consumer complaint received 2023-11-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX I sent the debt collector ( LVNV Funding LLC ) a debt validation request letter. They received it on XX/XX/XXXX and signed when the letter was in their possession. On XX/XX/XXXX they sent me a failed debt validation and instead sent me a debt collection notice. The debt collection was written in XXXX which I do not speak or read as a delay tactic. I have sent all letters and communication in XXXX so there is no reason why they should have responded in XXXX.
Consumer complaint received 2023-12-20
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-03-28
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)

I contact the credit bureau and the credit card companies to dispute the fraudulent accounts that are on my credit file. I made the bureaus aware that I did not authorize any of those accounts nor did I give them permission to furnish those fraudulent accounts on my credit file while is a violation of the law and my rights as a consumer and I wish that all accounts in question be removed from my credit profile. As per the FCRA, is a violation of the law to report false and inaccurate information on a consumer report. I'm requesting that these accounts be removed.
Consumer complaint received 2023-12-04
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. (GA)

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. XXXX TransUnion and XXXX all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/XXXX XXXX The XXXX case number is XXXX for XXXX. TransUnion Case number is XXXX on XX/XX/XXXXXXXX XXXX XXXX.The XXXX Case number is XXXX also on XX/XX/ XXXX XXXX All case number are the XXXX case number.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I withdrew XXXX from bank of america atm in XXXX ma. the atm only provided me with XXXX and ran out of my money. I called right away and was told it would be credited in two business days we are now on day ( 5 ) and still has not been credited to my account. each time i call always getting different answers with nothing being resolved and my money returned to account! 


please help me resolve this issue! 

sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-14
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: American Credit Acceptance, LLC (TN)

I notice an credit inquiry on my credit file that I did not apply for nor did I give authorization to any other party to use my information. Please remove this erroneous inquiry off my credit report. I have no knowledge of this.
Consumer complaint received 2016-09-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage in XXXX, Texas extended an offer to give me a Loan Modification. I accepted this offer. I was current on my mortgage when the process began. The letter they sent said the trial period was 4 months long. The letter said if I sent more money than the trial amount it COULD ( NOT WOULD ) affect the trial. I was never told it would cancel the trial. They extended the trial by a month, did n't tell me. Cancelled the trial, without a letter. Sent me a letter telling me I 'm late on my mortgage now by {$2600.00}. ( I was current before the trial began ). Now I 'm in danger of losing my house. They are blaming the government for this. Saying it 's all because I sent {$25.00}. extra instead of the exact amount.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-12-04
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: MoneyLion Inc. (NJ)

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.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 year.

15 U.S.C. 1682 s-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. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 


I told XXXX, XXXX, and XXXX to reinvestigate these total of 3 accounts : Account name : MONEYLION INC XXXX, Account name : MONEYLION INC XXXX, Account name : MONEYLION INC 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 2023-12-20
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. (MI)

Hi my identity was stolen i still live with my mom in my hometown and multiple apartments out of state and credit cards were opened in my name that I had no knowledge of. Recently, I mailed multiple letters requesting verification of inaccurate accounts reporting on my credit report. All the bureaus including Transunion, XXXX and XXXX ensured that all accounts on my credit report was verified. When in all actuality i never consented anything to be reported on my credit report given im just starting to build credit for future reference.
Consumer complaint received 2024-03-28
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)

THE CONSUMER XXXX XXXX STATES THAT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TELXXXX AND EXPERIAN CREDIT BUREAU XXXX XXXX XXXX XXXX  CREDIT REPORTING NUMBER XXXX HAS VIOLATED THE CONSUMER XXXX XXXX RIGHTS UNDER 15 USC 1681 SECTION 602 STATES, THE CONSUMER HAS A RIGHT TO PRIVACY (15 USC 1681) (SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAQT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN FOR ANY PURPOSE!
Consumer complaint received 2023-04-25
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: AMERICAN HONDA FINANCE CORP (TX)

Honda financial service removed a vehicle I was purchasing from my credit with all credit bureaus. I have completely paid the vehicle off and the line of credit has not been reinstated. I call every week for updates to no avail. It's like I have given Honda financial service XXXX of my money over a 4 year period with no record showing of it. This has cause extreme hardship in my life. I noticed the issue last year XX/XX/XXXX and reported this to Honda they did not do anything to reinstate they advise they removed the vehicle from my credit due to COVID relief I did not ask for this it was done without my knowledge. I paid the vehicle off early XXXX. I have been calling weekly since XXXX of XXXX. Still waiting for a manager to call me still waiting for my reinstatement now they're saying they cant help me because the account is closed its closed because I paid my debt that's not being reported this is a nightmare my credit and financial history has taken a turn for the worst due to Honda 's negligence.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-08
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. (CA)

The debt company, LVNV FUNDING LLC ( owned by Resurgent Capital Services ), has purchased debt that they are claiming to be mine. 

This company must be under the impression that they are reporting accurate information under my name to the credit reporting bureaus. None of ther accounts that they are reporting to the bureaus are verified or true. 

The debt they claim is mine has not been fully verified or validated. I have requested proof of verification and validation of this debt and never received proof of a WET SIGNATURE of mine on a contract between the origin creditor and I to prove that I am liable for this debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

The accounts that are being reported under my name are inaccurate, unverifiable, unvalidated, and it is unlawful for LVNV Funding LLC to report them. 

These accounts listed below must be DELETED from my credit reports as LVNV Funding LLC is in violation of the FDCPA and the FCRA : LVNV FUNDING LLC XXXX {$700.00} XXXX XXXX XXXX  Unverified Account LVNV FUNDING LLC XXXX {$33000.00} XX/XX/ Unverified Account LVNV FUNDING LLC XXXX {$14000.00} XXXX XXXX XXXX  Unverified Account
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the following companies numerous times XXXX, TransUnion, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OK)

On XX/XX/ I received an email from chime at XXXXXXXX XXXX stating that I had created a new account, which I had never done. I called the company to see what was going on and they confirmed that I had a new account with them ( Which I never created ). They took my information and closed the account.
Consumer complaint received 2023-09-21
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-20
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)

There is an account on my credit report from " XXXX XXXX XXXX XXXX  XXXX '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

XXXXwo fraudulent purchases were made on my Regions Bank checking account on the same day. Those charges were for {$97.00} and {$96.00}. I received a text message asking to approve one of the charges, I text no, and got a response back saying that your car will be canceled and reported as fraud. I then immediately called the bank to dispute the charges and they inform me that I had to wait for the charges to post. About Three days later both charges posted and I proceeded with submitting a claim. I recently received a letter saying that they are closing it and not reimbursing money due to, " our review found that the transaction appears to have been authorized ''. I called the bank back and they said that it is now responsible for me to do the rest of the research and then send them the information so that they can reopen the case. This is pretty much saying that they no longer will do a review unless i give them more information. I have no more information other than what I gave them. They said due to it being a contactless pay that it had to be approved and I somehow approved it through some type of phishing. I also want to note that these charges happened out of my home state. I live in XXXX  and they say the charges were made in South Carolina. I asked them to reconfirm the location and they say that it's offline so they can't tell now.