davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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: PENTAGON FEDERAL CREDIT UNION (NV)

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MI)

NATIONAL CREDIT SYSTEM HAS ATTEMPTED TO COLLECT ON A DEBT THAT I DO NOT OWE. THERES AN APARTMENT IN ALABAMA THAT SOMEONE OBTAINED FRAUDULENTLY IN MY NAME, NOW A COLLECTION AGENCY IS TRYING TO GET ME TO PAY A BALANCE I DO NOT OWE. I HAVE NEVER LIVED IN ALABAMA. BALANCE IS {$360.00} ACCOUNT WENT INTO COLLECTIONS XX/XX/2022
Consumer complaint received 2023-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i purchased a service ( computer repair ) and was charged thru credit merchant ( XXXX XXXX  XXXX   { XXXX ( XXXX ) XXXX } ) said that wasnt ok so then i payed in debit after he showed me a refund verification ( i believe the payment/refund was processed by shopify ) ; i told this to my bank ( bank of america ) as i was charged XXXX $ twice and they rejected my claim ; they are rude and refuse to help me and they keep passing on the blame ; with my interest rate i owe more than XXXX ( 28 % irp for 3+ years ) just because of that single credit charge of XXXX ; bank of america gave me a case # ( XXXX ) as a working student i cant pay this off nor do i want too ; also the repair service did not work as the item repaired failed after a month ; i am also suspicious that non oem parts were used even-though i payed for oem parts ; i still have the computer if more information on that is needed. 
i am scared that this will continue to impact my financial life and nobody will help ; hopefully yall can ; thank you.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2024-04-05
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. (GA)

When looking over my recent credit reports I came across an account XXXX XXXX XXXX XXXX XXXX that I didn't recognize. I've disputed this account because i'm currently trying to purchase a vehicle and nothing has been sent back to me as far as debt validation or updated credit report. 
This agency is in violation of 15 USC 1692g section 3. 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.
Consumer complaint received 2023-08-11
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-11
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. (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-08-11
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. (PA)

This inquiry is not authorized and was done by the creditore without my knowledge or permission!! you must remove these inquiries as soon as possible!
Consumer complaint received 2024-04-05
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. (GA)

I recently reviewed my credit report and I noticed some inaccurate accounts on my credit profile. I was unaware of these accounts so I disputed the accounts in question and requested an validation of the accounts and haven't received anything yet. These accounts are causing me harm due to trying purchase a vehicle and cant because of the negative items. Attached will be my letter and FTC report.
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I mailed our first payment for our new home on XX/XX/23 for a due date of XX/XX/23. As of XX/XX/23 the payment has not been deposited by then yet and they now state I need to mail to a different address then the one I was provided at closing but I do not have any confirmation that this new address is correct. I tried to call and they hung up on me 8 times and they when I got to somebody they transferred me almost instantly. They then said they could not locate my loan, then transferred me 5 more times and still had zero information. I sent a second payment via certified oak on XX/XX/23 and that was delivered XX/XX/23 but also has not been cashed as of yet. They have also not paid my insurance company out of escrow as of yet even though I paid {$440.00} at closing into that account. They refuse to help me and refuse to take my payments.
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am having a problem with experience credit bureau. Several things have been deleted as inaccurate but are now on there as collection accounts. I recently applied for credit and they told the company Im deceased. My mother and my reports are somehow combined shes deceased.
Consumer complaint received 2022-10-23
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)

Hello I contacted transunion everyday this week regarding two fraudulent accounts on my transunion credit report. This was the week of XXXX XXXX. 2022. I filed a FTC report and I would like this matter handled please! Everyone was very rude and not helpful at all!
Consumer complaint received 2023-08-11
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)

I am a victim of Identity Theft. These items I found on my credit report were opened without my knowledge, consent, or authority. These items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge and reporting DELETED accounts/information from other bureausXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-10-24
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. (NJ)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-04-10
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date Opened : XX/XX/2015 Balance : {$3800.00}
Consumer complaint received 2022-10-24
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. (NC)

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 2023-07-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (MO)

XXXX XXXX XXXX XXXX This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}. 
This has been resolved with both companies yet XXXX refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there. 
Leave my credit alone!
Consumer complaint received 2022-11-16
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. (TX)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NY)

I am enrolled in the standard repayment and Nelnet has not given me my real monthly payment amount. Currently, it says I owe {$180.00} a month. I have 90 payments left and if I were to take this payment amount and assume 0 % interest over the 90 months it would not even cover the principal amount. They also do not seem to have enough customer service representatives I've been on hold for over 2 hours and them my call was dropped.
Consumer complaint received 2023-09-25
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reel Time Capital LLC (NV)

I received a voicemail from someone named XXXX XXXX calling from a spoofed phone number ( XXXX ) who left a voicemail stating that they were calling regarding claim XXXX and that they would attempt to reach me at my place of business because they could not contact me by phone. They stated once my claim ( claim number XXXX ) was released from their office ( no name of office provided ) there was nothing they could do and they wished me the best of luck. They called 2 family members they could find and left them the same information and also stated I would be subject to the local courts going forward. They also stated if my location was not provided, they would be attempting to contact me at THEIR residences. They provided phone number XXXX which I called and spoke with someone who refused to give me their name or the name of the company they represented. They referenced an old debt with XXXX for amount {$310.00} originally taken out but stated now the amount was {$660.00}. They stated I needed to speak with a compliance officer because they had location services looking for me in an attempt to file papers with the courts. I attempted to get the name of the company, the rep refused to provide it. I asked for the name of the lawyers and she stated it was a network of attorneys called XXXX but wouldnt provide any other information. I said they did not have permission to call my family and they stated that I needed to speak with location services in order for them to stop calling my family. They repeatedly refused to provide information regarding the debt as to their names of the company ( other than the name of the original lender, which they provided ) or how I could see proof. She refused to email anything and said that they were going to contact my place of business. I called XXXX and was advised there was a debt for {$310.00} they sold to Reel Time Capital. I attempted to contact Reel Time Capital and was provided with phone number XXXX by XXXX, and the number goes straight to voicemail after ringing numerous times. The voicemail message does not explain who they are or what the company is. I emailed them at the provided email on their website and was not contacted back. Ive called numerous times and emailed numerous times and received no communication in response.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute and address concerns regarding the way the XXXX XXXX XXXX XXXX ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared XXXX XXXX with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the XXXX XXXX- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the XXXX XXXX. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the XXXX XXXX.