davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (NC)

I am a living human being writing a complaint against the company of XXXX, Equifax and XXXX. My information has been compromised through their inadequate process causing violations on their behalf of the 15 USC 168. This company is furnishing fraudulent inquiries on my credit profile that were not authorized by me the consumer XXXX XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (FL)

When I applied for a Parent Plus loan for our son ( XXXX XXXX  ), my husband and I both had great jobs. 
Our son suffered XXXX while in school and transferred twice, thereby attending XXXX different colleges. 
He had enough XXXX credits to be a professor ( i.e., college B doesnt accept credits from college A, etc. ), The costs to retake college courses when transferring seems criminal. 
Down the road at payback time, I had XXXX XXXX XXXX  and finally a XXXX which landed me in the hospital for XXXX days. The high paying, high demand corporate job I held was causing extreme stress that was determined to be the cause of my XXXX. I left that job and was XXXX XXXX XXXX. 
I put my loans in deferment while I was not working. This racked up phenomenal debt in the form of interest. At one point the bill was XXXX ( for a XXXX XXXX in XXXX XXXX ). 
Great Lakes, the servicer for my loans is now Nelnet. According to the new Nelnet website, my current balance is {$200000.00} I can tell you that in XXXX after we sold our home, we paid XXXX toward our balance. Also, in accrued interest we paid {$12000.00} in XXXX. A total of XXXX, XXXX thus far has been paid by us toward this debt. 
My husband retired in XXXX he has had several health issues over the last 3 years and has not been able to contribute to any household earnings other than his SS which isnt quite enough to cover the mortgage. 
One of the colleges my son attended closed ( XXXXXXXX XXXX XXXX ). During the summer of XXXX, the college was placed on probation by its accreditor, the XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX and Colleges, over concerns about its finances. 
My current balance is {$200000.00}, knowing we paid nearly {$60000.00} to date is troubling. While I do work, I am self employed, therefore, paychecks are not regular. 
I am a parent of a child who neither parent ever attended college. We wanted this for our son and at the time we both had good permanent jobs which we expected to allow us pay the high cost. 
Thank you for any help, I do not see me getting out from under this alone.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 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 2022-11-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX open account {$5000.00} ), XXXX - XXXX service ( closed account {$2500.00} ), XXXX XXXX XXXX  ( closed account {$4500.00} ) and XXXX XXXX ( closed account {$43000.00} ), have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-11-21
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NC)

I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted
Consumer complaint received 2023-08-07
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. (HI)

XXXX Account No. : XXXX : XXXX XXXX  IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. XXXX XXXX  IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT. 
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM. 
XXXX XXXX  NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS. 
XXXX XXXX  NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS? 
XXXX BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE! 
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES. 
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM XXXX XXXX, EVERYTHING ELSE IS ONLY HEARSAY
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (AR)

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$330.00}
Consumer complaint received 2024-03-25
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. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report is still showing incorrect information : - XXXX XXXX  XXXX, ( Account ending in XXXX ). This account has been paid-in-full. Please see the attached confirmation letter from XXXX, dated XX/XX/2022. 
- XXXX XXXX, is still incorrectly showing a {$900.00} balance due. ( Account XXXX ) incorrectly filed on my credit report. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to the IRS, which means it is now income earned for the company. I can not owe on income. This is inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. 

Please remove these items from my account, immediately.
Consumer complaint received 2024-03-25
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. (GA)

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 3rd party. They in fact did not come from a 3rd 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 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith 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 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 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (WA)

Today  XX/XX/XXXX  I will be sending in documents.     Sale date issued - violation of RESPA - I never ot notice of the sale from OCWEN or   XXXX   XXXX   the bank being investigated fro   XXXX    money laundering.     I was force to file chapter  XXXX  to stop the sale date. I had to go through this last years and filed chapter  XXXX  last years as well due to the same actions. I have tried to modify since  XXXX  when  Litton sold to OCWEN and used forced placed insurance when I had insurance.     I am part of the  Litton/OCWEN Settlement for  the " Constant Judgment '' against OCWEN. I seek the written requirement that give those harmed the ability to modify under consumer relief for those that want and can save their homes. I want and can pay for this home.     Now more fraud while under Settlement of RESPA violation of no notice for a sale date. Only by Realtor 's did I learn of the sale. Please help, sending in documents today   XXXX  .
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (FL)

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 2023-06-03
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. (NC)

On two accounts on my credit report, I have late payments due to having XXXX and I was unable to work. Therefore I was late making payments on time. I explained this to all 3 credit agencies but they denied my request to have them removed. The account are XXXX and XXXX XXXX. On XXXX I was late XX/XX/2022 and XXXX XX/XX/2022. I asks that these late payment be updated as pay as agreed and never late. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account ur open end consumer credit plan as I purpose.
Consumer complaint received 2023-03-01
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

My name 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 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NC)

It started on XXXX XXXX when a scammer which I dont at that time invited me to an XXXX investment and I send money by buying coins from XXXX using my checking account at TD bank and Bank XXXX XXXX and later I found out that the said investment was a scam and I complained to TD bank and XXXX XXXX  XXXX but they say the transaction was legitimate and I was claiming that the scammer took my money in the amount of XXXX which some from XXXX XXXX XXXX and mostly was from TD bank and when I wired transfer big amounts in TD bank they never warn or ask me if why I send that big amounts of money which is around XXXX but sent in 3 transactions and I was trying to claim another XXXX that I sent to the scammer thru XXXX  from my credit card and checking accountXXXX XXXX XXXX was able to prevent me from sending that big amounts to the scammer unlike TD bank.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX years old and a co-signor on a student loan administered by XXXX. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from Experian that a negative credit report had been made against me by XXXX because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, XXXX did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, XXXX completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of XXXX  report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked XXXX to retract its report and it has refused.