davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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: Kikoff Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I was overcharged for fees and interest. It will take me 6 or 7 years to repay this loan. Didnt know that until after I had signed the agreement. Cancel my loan
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-02-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MS)

Mercantile adjustment bureau account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and XXXX XXXX XXXX  .Mercantile adjustment retail is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Mercantile adjustment bureau or ever had one with XXXX XXXX XXXXXXXX XXXXBut if I did have a account with XXXX XXXX XXXX not saying I do I never gave them permission to sale the debt to Mercantile adjustment bureau . Mercantile adjustment bureau have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.
Consumer complaint received 2024-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

I hope this letter finds you well. I am writing to you regarding a matter that has been weighing on my mind since I discovered it on XX/XX/2023. It pertains to a collection entry on my credit report, which has left me feeling quite perplexed. 

Upon coming across this collection item during my routine review of my credit report, I was taken aback. As I delved deeper into the details, it became evident that this entry does not align with my financial records. After careful examination, I can confidently assert that I do not owe any outstanding balance to the reported creditor. 

With a sense of responsibility and in accordance with the Fair Credit Reporting Act ( FCRA ), I am reaching out to you to request a thorough investigation into this matter. I kindly ask for validation of the debt, including pertinent details such as the original creditor 's information and any documentation supporting the alleged debt. 

I understand that errors can occur, and I trust that your team will handle this matter with the utmost diligence and professionalism. My goal is to ensure that my credit report accurately reflects my financial standing. If it turns out that there has been a misunderstanding or an error in reporting, I respectfully request the removal of this inaccurate collection entry from my credit report. 

Enclosed with this letter are copies of relevant documents that support my claim. I hope they will assist you in your investigation. 

I sincerely appreciate your attention to this matter and your prompt response. Please keep me informed of the progress and the results of your investigation. Should you require any further information from my end, please do not hesitate to reach out to me. 

Thank you for your understanding and cooperation. 

Section 611 : Procedure in case of disputed accuracy : This section outlines the procedures that consumer reporting agencies ( CRAs ) must follow when a consumer disputes the accuracy of information on their credit report, including collections.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

My student loan servicer was Nelnet. All of my loans were transferred to XXXX. Nelnet is still reporting open loans with balances to the credit bureaus which is incorrect. XXXX is also reporting the loans so it looks like I have double the amount of Student loans that I actually have. I have contacted Nelnet and disputed the accounts with the credit bureaus but Nelnet continues to say their information is accurate but does not provide any updated information since XXXX. This is affecting my debt to income ration and greatly impacting my credit. Any assistance would be greatly appreciated. Thank you!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

This is my notice of liability and intent to sue. 
Since XXXX and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXXXXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on XXXXXXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.
Consumer complaint received 2024-02-03
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. (WI)

This is my notice of liability and intent to sue. 
Since slavery and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is human trafficking by way of debt slavery! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on human trafficking crimes in which the traffickers primary means of coercion is debt manipulation.
Consumer complaint received 2024-04-09
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)

Subject : Request for Deletion of XXXX Accounts - Urgent Action Required from XXXX and Equifax Dear Credit Bureau Representatives, I am writing to bring to your attention a critical matter regarding my credit report. Recently, I discovered that XXXX has deleted XXXX accounts from my credit report due to inaccuracies. The accounts in question were erroneously reported and have since been deemed invalid by XXXX. 

As XXXX has taken the appropriate action to rectify this error by removing the accounts from my credit report, I am requesting that XXXX and Equifax also follow suit and delete these same accounts from my credit reports with your respective bureaus. 

The inaccurate reporting of these accounts has had a detrimental impact on my credit score and financial standing. It is imperative that all three major credit bureaus accurately reflect my credit history to ensure fair and accurate assessment by creditors and lenders. 

I have attached documentation from XXXX confirming the deletion of these accounts for your reference. I kindly request that XXXX and Equifax investigate this matter promptly and take the necessary steps to remove the disputed accounts from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-05-02
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. (TN)

This is my second request that I have been a victim of identity theft and that 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX
Consumer complaint received 2023-10-04
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)

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over five years. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX.
Consumer complaint received 2023-09-15
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, purchased a used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ohio XXXX XXXX. I had the vehicle for a total of four ( 4 ) days until it broke down, at which point i had to return the vehicle to the dealership for maintenance. Initially, XXXX XXXXXXXX would not provide a rental car, even though i used my used vehicle as a trade-in and down payment to purchase to XXXX XXXX XXXX XXXX and was car-less. After filing a XXXX XXXX XXXX complaint on XX/XX/XXXX, i was finally provided with a rental car. XXXX XXXX claims they fixed my car which had a piston issue and i proceeded to pick up the vehicle. Upon picking up the vehicle on XX/XX/XXXX and leaving the dealership with the XXXX XXXX XXXX, the vehicle check-engine light was on, the car would not come up to speed, and the vehicle became shakey while driving. I was able to bring the vehicle back to the dealership the following day, XX/XX/XXXX, and while i was provide with a rental again, i still do not have the vehicle that i originally purchased. Unfortunately, i am not protected under any lemon law that i am aware of as this is a used vehicle. But the dealership has been dishonest about this vehicle from the beginning, would not communicate with me regarding what was wrong, and what is currently wrong, and i feel like i've been scammed with a non-working vehicle unfairly. Huntington National Bank holds the lien of this loan and i am requesting Huntington National Bank work with their dealer buyback representative and have the Bank work in conjunction with XXXX XXXX to remove this loan from my credit report as this situation is completely unfair to me as a consumer to give my used car, for the purchase of another used car, and have no car since the origination of this loan. The first payment has already come due on this vehicle on XX/XX/XXXX and i have not made a payment as i do not have a vehicle at this point in time, nor have i had one since the beginning of this loan. Please help me in having XXXX  XXXX take this vehicle back permanently and remove this loan completely from my credit report. Additionally, given i also down {$3000.00} on top of providing a used car, ideally, i'd like to be reimbursed the {$3000.00} and the used car. I recognize the dealership likely no loner has my used car i brought in, and if this is the case, i would like them to reimburse me for the cash value of that vehicle instead.
Consumer complaint received 2018-05-21
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: EQUIFAX, INC. (DC)

I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
Consumer complaint received 2017-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On Friday, XX/XX/XXXX, I made a purchase at XXXX XXXX in XXXX XXXX, Pennsylvania. The cashier asked if I wanted to open a credit card. I told her that I did not, but that my husband had one. She informed me that she could look up his card using my information. She requested personal information, which I gave her under the assumption that she was looking up my husband 's card, NOT submitting an application for me. 
She did, in fact, submit an application for me, which I was informed of as soon as I left the store ( credit monitoring service email notifications ). I immediately called the store, and the manager told me that because I had willing given my personal information, there was nothing he could do.

I then contacted the corporate office, as I felt this was improperly handled. I was transferred to the fraud department, where I was told they would contact the credit reporting agency and have the inquiry removed from my report within 10 business days. It has been 15 business days, and the inquiry is still on my report.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX a company charged {$44.00} on a Barclays credit card I had not used for a few months. XXXX must have changed me to paperless because I never received a statement. In XX/XX/XXXX, I saw a drop on my credit report because of late fee and interest charges. I talked to Barclays and they did waive all the late fees and payment charge fees. However, they said it was too late for them to tell the credit agencies and I would have to dispute the charges myself. This policy is crazy, because I have to dispute the charges myself and then it takes 30 days to investigate the charges. During this time my credit score has dropped over 100 points because Barclays wouldn't contact the credit agencies directly.
Consumer complaint received 2017-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

This company 1st let somebody use my card for more than {$700.00} worth of transactions, knowing that I 'm in traveling to the other side of the country for work. My Bank did not credit me any of my money for approximately 10 days. Within the 10 days I was only left with {$20.00} to my name while waiting for my account to get credited back. I was charged {$80.00} for transaction fees that I was not aware of as a result for the bank taking my money. When I called to have the transaction fee waived, I was met with hostility and accusations. I was told that certain fees were not going to be waived because I committed the transactions. I explained to them I did not, and they said there was nothing that they can do about it. Person hung on me i called back and then they funed me back the fee they charge. this bank super unprofentional and i will be banking with someone else for now on Santanders bank worst bank ever
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (FL)

Un-Authorized 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 XXXX XXXX XXXX