davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

Nelnet Thank you for taking the time to read this letter. I recently pulled my credit report and found that Nelnet Student Loan Servicing reported a late payment regarding my account.

I am requesting that this late payment be assessed for accuracy. 

I believe this reporting is incorrect because I was attending XXXX College XXXX XXXX XXXX XXXX from XX/XX/XXXX -XX/XX/XXXX .I have included the documentation to prove that I was enrolled Full Time during this time that my loans were reported as delinquent and should have been applied as In-School Deferment. 

My credit report stated a delinquency in XX/XX/XXXX from Nelnet. I am currently with XXXX XXXX due to a recent loan consolidation, and deeply ap [ appreciate the time and service you previously provided. 

Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank you.
Consumer complaint received 2018-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have been with Bank of America over 15 years. 
XX/XX/XXXX I trusted doing a secure XXXX transfer through the Bank Of America App. This transfer was to a company accepting transfers and charging clients through their Bank of America account. 
My services were to be rendered XX/XX/XXXX-XX/XX/XXXX and totaled XXXX which came out of my Checking Account. 
XX/XX/2018 an announcement was made by XXXX XXXX XXXX XXXX owner XXXX XXXX that she was closing business and that all were refunded. ( I have proof that this is untrue ). 
She claimed to be a nurse also which we believe she is not active. Mrs.XXXX also claimed that the recovery home was her property and that she was legal in running this business. I did research and found the actual owner, XXXX XXXX, who nearly had a XXXX XXXX when she found out what XXXX was using the home for. Mrs.XXXX  said that XXXX signed a primary lease agreement only. I will attach proof of this also ( see documents with texts to a number with a XXXX area code. 
I am among the many who have been scammed via XXXX XXXX, XXXX XXXX   and Bank of America. ( See attached proof ) I spoke to Bank of America representatives and was advised that all the bank can do is reach out to the owner and ask if it is okay if the funds can be debited and placed back in to my account. In addition, I was advised that because I willingly transferred the money, then it is not much they can do as far as refunding. I have offered proof of contract, dates, and services that were not rendered but they are firm in my transferring the funds being my fault. As a consistent customer I am disappointed. Proof should be accepted and this is not how a customer with morale and integrity should be treated. Bank of America is protecting the fraudulent members and neglecting the good ones. I am entitled to a full refund from this company at least 30 days away from date of services which is XX/XX/18. I am well within my rights. It is unethical to allow me to suffer as I am having XXXX which is why I booked this stay in order to recover out of state.
Consumer complaint received 2024-04-11
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. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2019-06-03
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. (NV)

XXXX XXXX XXXX pulled my credit twice with in a 60 day period with out my authorization. I have not had business with XXXX for a while. 
They pulled credit on XX/XX/XXXX and XX/XX/XXXX. 

Its reporting to Equifax. I called to dispute on XX/XX/XXXX and they said it stays on for 2 years and they cant do nothing about it. I advised that this is inaccurate to my report and should of never been there in the first place. Since I no longer deal with them since XXXX on XXXX.
Consumer complaint received 2018-09-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I applied for Mortage loan my credit score was more then enough but he trying to make me pay off older debt from XXXX stuff like for XXXX bucks when no other places require me to do that and i feel like he did it because iam XXXX XXXX
Consumer complaint received 2023-04-29
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. (TX)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX : {$180.00}, XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-03
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. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
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 — Was not notified of investigation status or results
Company: Self Financial Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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}
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2023-04-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (GA)

Lenmark Financial was paid off on XX/XX/2023. It's showing that I owe XXXX .Also the relatives on my report does not involve being related to me and I'm concerned about having the removed off my report. Thank You.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

The last week of XXXX I called Chase Bank to advise them that I would be using my charge card on a trip to XXXX and that I would specifically be using it for a car rental. I asked if I could do that and asked if the card provided me with collision protection insurance for the car rental. I was told yes, I could use my card in XXXX and that one of its benefits was that it provided collision insurance on car rentals. I arrived in XXXX about a week later on XX/XX/2023 and when I went to pick up my car rental and tried to pay for it with my Chase charge card, the charge was declined. I thought surely that was a mistake because I had already cleared with Chase and very specifically told them I would be using it for this exact purpose but when the care rental agent tried the card again, it was again declined. I think he tried it 3 separate times and each time is was declined. I tried to call Chase on the spot to get it resolved but was not able to get through to the XXXX phone number on the back of the card. I was traveling with 4 other people and we needed to rent the vehicle and be on our way so one of my travel companions offered to put the charge on her credit card but, unfortunately, her card did not offer the collision protection insurance so we were forced to buy the insurance from the car rental company for the amount of XXXX XXXX which is approx {$580.00}. It wasn't until XX/XX/XXXX that I was able to get through to somebody at Chase to get resolution on the security block on my card. However, it was too late at that time to do anything about the insurance that we purchased in order to dive away with the car on XX/XX/XXXX. When we returned the car on XX/XX/XXXX, I was able to transfer the car rental charges from my travel companions card on to my card but again, was still on the hook for the {$580.00} that I would not have had to spend had Chase not made the mistake in the first place. I've contacted Chase several times ; have spoken to several representatives ( one of them even hung up on me ) and the conclusion for each is that there is nothing they can do for me. If they had honored the charge, which I had previously and very specifically told them I would be making, I would have not been in the position of having to pay this expense so I feel that because I did everything right, especially in notifying them of my intentions, and it was their mistake that caused me to incur this expense, that they should reimburse me for the amount of this expense which is approx {$580.00} based on current euro to dollar exchange rates. Can you please help me to get Chase to do the right thing? Thank you! XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

on XX/XX/XXXX a fraudulent hard inquiry was made online to XXXX XXXX XXXX XXXX thru Synchrony Financials XXXX Upon disputing synchrony on XX/XX/XXXX i told me they will send the paperwork to XXXX to remove the inquiry and it will take 90 days. I called them on XX/XX/XXXX to follow up why is it still not removed, they said it is being done and be patient with them. Its XX/XX/XXXX i called them again, was on hold for an hour but they kept transferring me. XXXX Bank and very unprofessional. just a waste of time.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The amount of Debt listed on all three ( XXXX, Experian and XXXX ) Credit Bureaus are inaccurate. They are all report XXXX different amounts of debt. And I don't owe any debt. I've filed a dispute with all three of the credit units and nothing is ever resolved.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Has all violated my rights. 

15 US C 1681 section 602 A states I have the right to privacy 15 US C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C. (CA)

On XX/XX/2018 I was contacted by someone at the company Wilber & Associates saying that unless I paid on a claim totaling {$2000.00} from XXXX XXXX XXXX, my license would be suspended by midnight that night. I almost gave them money but fortunately, I did not have my debit card with me. I later found out that they can not do that and this claim was from XX/XX/2018 where I was hit while riding my skateboard and XXXX XXXX has failed to provide the appropriate information or properly investigate their client 's claim. I am a college student and was seriously injured as a result of this accident. I am willing to work with everyone but not under these extreme threatening tactics.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

The company Lexis Nexis Risk Solutions is contracted with the state of Florida to maintain to maintain Florida Drivers MVR. This company is reporting false and misleading information about me and will not remove it. It is reporting that I was in at fault and a not at fault accident on the same day XX/XX/2021. This is false because I was actually involved in a hit and run in which someone hit my vehicle and left the area. Consumer reporting agencies can not report false and misleading information about anyone. They also have an address in CA listed on my report in which I never lived at. They know everything about you even my race they only report information on me like this so black or brown people can pay more for insurance.
Consumer complaint received 2023-05-10
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. (CA)

I am writing this complaint to TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.