davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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: VW Credit, Inc (FL)

As you are aware, a charge off is a debt that has been discharged and taken as a tax write-off by your company. However, I have noticed that despite this, the charge off is inaccurately reported as owed on my consumer reports. This reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), which mandates that all information reported must be 100 % accurate. 

I have been informed by the IRS that it is unlawful to report this information to my consumer report, either for collection purposes or to indicate a charged-off status. As such, your company 's reporting has caused me significant concern and distress.
Consumer complaint received 2022-10-26
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-26
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. (CA)

This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (GA)

In XXXX and XXXX of XXXX, I mailed, submitted letters/documents via my Nelnet account web portal, and filed two XXXX disputes XXXX 

On XX/XX/XXXX and XXXX of XXXX, my Nelnet accounts was subjected to fall off with all 3 credit reporting agencies. However, the accounts remained on my XXXX report. The accounts were paid in full and closed on XX/XX/XXXX for {$4.00} and XX/XX/XXXX for {$16000.00}. 

I submitted two disputes with XXXX requesting the removal of both accounts and for the creditor to correctly report the accurate account number. On both occasions, the final investigation report stated the creditor Nelnet claimed to be reporting correctly, but modified the " date of last reported update '' that reflects the dates I filed my dispute. 
In XXXX and XXXX of XXXX, I mailed Nelnet several letters which they failed to respond to. 
I submitted letters and documents to Nelnet via my accounts web portal requesting the deletion of my credit accounts with the credit agency. They responding by stating no action will be taken and no changes will be made. 
After numerous attempts, Nelnet fails to resolve the matter by removing the aged accounts from the credit agency XXXX. While Nelnet continues to update the XXXX " date of last reported update '' for both closed paid in full accounts with XXXX reporting agency after ever dispute. Preventing the accounts from ever falling out my credit report. XXXX currently reports my new fall out date to be XXXX of XXXX for loans that was paid in full and closed in XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-10-25
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-12
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. (AZ)

THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON ONE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN XXXX. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX AUTO RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING 3 CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE 2 CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. 
ACCOUNT NAME : NAVY FEDERAL CREDIT UNION ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBER:XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NUMBER: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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-09
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. (PA)

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 


Please immediately delete the following accounts immediately from my credit report! 

XXXX XXXX  CHARGE OFF {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX  CHARGE OFF {$1100.00}, XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF {$620.00}, XXXX XXXX XXXX XXXX  CHARGE OFF {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX CHARGE OFF {$29000.00} XX/XX/XXXX When a Creditors writes off a debts after a set amount of timefor example, one, two, or three years after you default. The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden. The same is true when you negotiate a debt reduction. The creditor will report the amount you didn't pay to the IRS. 
Of course, the IRS still wants to collect tax on this money, and it will turn to you for payment. Because you no longer have to pay the full amount of the debt, the IRS treats the forgiven amount as gained income, for which you should pay income taxes. ( That additional income might also affect your state taxes. )
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I just hung up with a representative at Citibank as I was trying to find out if my social security check was pending. I specifically called before transferring my direct deposit from my credit union to Citibank for the earlier pay option which I was told that if the deposit is pending, the funds were released. I asked who was the governing regulator for Citibank during the call and was told " The Federal '' and nothing else. I then said the The Federal Reserve?, to the rep and she responded yes. This has been nothing but XXXX abrasive communication whenever speaking with Citibank and the calls are never polite and helpful. I am filing a complaint against Citibank as my equal credit opportunity rights have been repeatedly violated. This bank appears to be doing any and everything to cause XXXX customers choosing to close their account without verbally out right saying it. I noticed the sudden concern when I mentioned the CFPB. I was hoping for fair treatment but never happened. Another race who is XXXX that's my neighbor close by said they honor the deposit if the payout has presented the funds from a reliable resource such as government funds. I was told under no circumstance I have to wait until the day of check instead.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 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 update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (VA)

LVNV Funding has not notified me of any debt whatsoever. They never contacted me before furnishing my personal information to XXXX, XXXX, and XXXX XXXX. I have never done business with LVNV Funding. Why are they housing my personal credit information? I have sent a Notice of CEASE AND DESIST to the company yet they are still reporting to the 3 bureaus. This complaint at receipt of delivery will also constitute a cease and desist of all collection activity, and all communications attempts to collect a debt including furnishing my information to XXXX, XXXX, and XXXX XXXX. 

Also according to XXXX LVNV Funding is not licensed to collect debt in the state of Virginia. Which is my place of residence since birth. I have included a screenshot of the government website and the notice I sent LVNV Funding.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account XXXX in the amount {$1200.00} is being falsely reported. The creditor has called numerous times trying to collect the debt and has failed to provide me with validation of the debt. TransUnion, XXXX, and XXXX are also contradicting what is being reported which has concluded that they have also failed to validate the debt. This is being reported as a " revolving '', " closed '', and a " charge-off '' account.
Consumer complaint received 2022-12-12
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. (CA)

This is my 2nd 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 items 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 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
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

TO WHOM IT MAY CONCERN, I took out a student loan for my son to continue his education after high school. After the first semester, my son returned home for good, and I notified the school of such. The loan has been paid off and is only being reported on Experian. I am experiencing financial hardship where I am struggling to pay my bills, am about to be homeless, and am unable to attain any student loans to continue my education in order to get a better-paying job. 

In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( # XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-09
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. (MS)

On XX/XX/2023, XXXX XXXX filed an Identity Theft report along Ftc report for True Identity Fraud to the credit bureaus about fraudulent accounts on my credit report. I am a victim of identity theft. The credit reports XXXX, Experian and XXXX refused to correct the fraudulent accounts.
Consumer complaint received 2023-09-04
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. (MI)

Ive contacted All 3 credit bureau XXXX Experian and XXXX on various occasions since XX/XX/2023 and asked them to provide me proper documentation, holding me liable for these debts thats reporting on my credit reports they have failed to do so on multiple occasions, and are claiming that they are verifying the information, but not sending me any documentation, I would like these accounts delete it from my credit report immediately as it is stopping me from obtaining future credit. I have no knowledge of the accounts thats currently reporting on my credit reports. They are also falsely verifying thats on my credit report with no actual proof.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

Hi, Chase Sapphire preferred send me pre-approved promotional offer of XXXX points after I make purchase of $ XXXX in XXXX. I applied and was approved for credit card on XX/XX/year>, however I haven't received card till XX/XX/year>. They promise card should be reached in XXXXbusiness days, however wait time has exceeded same During this time I can add/use card to digital payments like apply pay, which still limits my spending universe Given promotion time frame is XXXX as I need to spend $ XXXX by XX/XX/year> but I don't have actual card to use. 
With delay, my offer spend time in already XXXX % less than advertised. I am actually told to spend in XXXX to get this offer which is misleading to the advertisement. 

I have contacted customer service but they can not increase time period to actual XXXX from the day I receive card. They are relying on digital payments during this period which is limited to my access